Cheap New York Car Insurance

Compare the best rates from 3 car insurance companies in New York.

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Here's what you need to know when driving in New York

Across the Empire State, there are 242,769 miles of road just waiting to be driven. We’ll get you prepped with the best and cheapest insurance, then you take the wheel.


 

Cheap Car Insurance

What's the cheapest car insurance in New York?
RankCompany NameAvg. Annual Premium
1USAA$1,175
2Erie$1,230
3Utica National$1,519
4Progressive$1,527
5Travelers$1,544
6Allstate$1,572
7MetLife$1,604
8Amica$1,612
9Preferred Mutual$1,720
10New York Central Mutual$1,855
11GEICO$1,888
12Safeco$1,927
13State Farm$1,943
14Central Mutual$1,988
15Liberty Mutual$2,046
16Hanover$2,346
17Encompass$2,636
18Nationwide$3,116
19Mercury$3,887
2021st Century$4,368

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Cheap Insurance for Good Drivers in New York

Good drivers can save money on car insurance if you have no at-fault accidents, speeding tickets, or DUIs. Insurance companies use your driving record as a way to predict what kind of risk you will pose to them. So, by not having any of these violations you are less risky and therefore cheaper customer for them. In addition to having a cheaper premium, some companies offer a Good Driver discount. While the amount varies based on your company, it can range between 5-10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.

Rating Factor$ Savings% Savings
No Traffic Tickets$21212.79%
No Accidents$49725.59%
Good Credit$1,43149.78%

Cheap Insurance for Young Drivers in New York

Young drivers, those between the ages of 16-25, pay the most for car insurance across the US. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that Geico, Progressive, and Liberty Mutual are the cheapest companies.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$6,915$5,370
17$6,415$5,543
18$6,581$4,509
19$5,601$3,368

Cheap Car Insurance for Bad Drivers in New York

Having a bad driving record can be a huge burden for getting cheap car insurance - no matter your location. In New York in 2017, a DUI raised rates an average of $1,208 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,94025.59%
DUI$2,22835.20%
Speeding Violation$1,65612.79%
Bad Credit$2,87549.78%

What are the Best Car Insurance Companies in New York?

Every car insurance company brags about its low rates. But as with any service, the most affordable option is not always the best choice. Considering the stakes, it's worthwhile to do your due diligence to obtain an insurance policy that protects your vehicle adequately after a collision. Work to find the best value, instead of settling for the cheapest auto insurance you can find.

Compare top insurance companies' financial strength and claims satisfaction levels to better understand the quality of service you will receive. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and varying from "Poor" to "Superior" — assesses an insurer's financial strength and ability to fulfill its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
21st Century3Excellent
Allstate3Superior
Amica4Superior
Central MutualNot RatedExcellent
Erie5Superior
GEICO3Superior
Liberty Mutual3Excellent
Mercury2Superior
MetLife3Superior
Nationwide4Superior
New York Central MutualNot RatedSuperior
Progressive3Superior
Safeco3Excellent
State Farm3Superior
USAA5Superior

 

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What is the Best Auto Insurance Coverage in New York?

The minimum required insurance level in the state of New York is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

If you carry the legal minimum coverage level in New York, prepare to pay an average of $860 each year. This outlay is more than the nationwide average by 31%. If you opt for better coverage, you can select a policy with comprehensive and collision coverage, protecting against damages caused by car-vs.-car collisions, theft, or weather incidents. However, better auto insurance coverage comes with a cost: in New York, a comprehensive insurance policy with a $1,000 deductible runs $1,428, 66% more than liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 85% more than you might for liability-only coverage.

Contrast average expenditures for basic, good, and great insurance levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
New York$859.55$1,427.54$1,587.29
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in New York

In New York, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $10,000 per accident
Uninsured/Underinsured Motorist
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
Personal Injury Protection (PIP)
  • $50,000 per person
Optional coverage in New York (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Supplemental Uninsured/Underinsured Motorist Bodily Injury (SUM)
  • Additional Personal Injury Protection (APIP)
  • Optional Basic Economic Loss (OBEL)

Liability coverage is legally required in New York and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In New York, the cheapest insurance minimum is listed as 25/50/10 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured Motorist coverage is legally required in New York and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In New York, the minimum is listed as 30/60 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In New York, minimum PIP coverage of $50,000 per person is required on your policy.

These numbers reflect the minimum limits required in New York but higher coverage amounts are available with most companies. These minimums will provide you with the cheapest insurance rate.

New York is a no-fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

New York does not allow insurers to use education or occupation as rating factors.

Car insurance companies aren't allowed to judge potential clients by their occupation or education levels. This state law is intended to ensure fair access to affordable auto insurance, with rates based on driving performance, rather than non-driving-specific details. 

New York State Car Insurance FAQs

Do you need car insurance in New York?

Yes. As in most states, car insurance is a legal requirement in New York state.

Why is car insurance so expensive in New York?

New York is a no-fault state, which can make car insurance more expensive because drivers are required to carry PIP coverage. Moreover, uninsured motorist coverage is also required by law in New York state. In order to see a complete picture of why your rate is so expensive, consider your driving profile. Do you live in a dense area such as Manhattan, Brooklyn, Queens, or the Bronx? Do you have accidents on your record? Are you with the right company? These questions can help you determine why you might be paying too much for car insurance.

What happens when your car insurance lapses in New York?

This depends on the length for which your insurance coverage lapsed. New York state assigns daily fees depending on the length of the lapse. The longer you allow coverage to lapse, the greater your fine will be.

How much does car insurance cost in New York cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in West Seneca, New York, and the most expensive in Hempstead, New York.

RankCityAvg. Annual Premium
1Hempstead$3,028
2Freeport$2,838
3New York$2,814
4Mount Vernon$2,522
5Brentwood$2,480
6Yonkers$2,379
7West Babylon$2,360
8Levittown$2,332
9Hicksville$2,244
10Coram$2,146
11New Rochelle$1,931
12White Plains$1,898
13Buffalo$1,794
14Niagara Falls$1,487
15Utica$1,424
16Syracuse$1,394
17Cheektowaga$1,392
18Tonawanda$1,357
19Schenectady$1,318
20Rochester$1,313
21Albany$1,304
22Troy$1,269
23Irondequoit$1,221
24Binghamton$1,217
25West Seneca$1,213

Recent New York Car Insurance Questions and Answers

How do I get insurance if I'm a Canadian student moving to NY?

You can still find car insurance without a social security number, but it may be more difficult without a US driver's license. Many insurers will not offer policies for non-licensed drivers.

How can I get short term rental insurance?

In recent years, short-term rentals have grown tremendously. The rise of sites like Airbnb have made it easier for travelers to find lodging and for hosts to make a nice little side income.

Will carriers see other car insurance policies in my name?

It's likely that your car insurance company will see if you have car insurance with another company. Most carriers run reports for discount purposes to see if you are already insured.

Will we have trouble registering a car that was declared a total loss?

Unfortunately, I won't be able to tell you about the registration. You will need to contact the DMV for that information.


Driving Laws

New York Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on text messaging for all drivers

New York DUI Laws

The lookback period for most DWI offenses in New York is 10 years. However, multiple offenses within a 25-year period may also lead to enhanced penalties.

All penalties include an annual assessment fine of $250 for three years and a possible requirement to attend the New York Drinking Driver Program at the offender’s expense.

First-time DWI or DWAI-Drug offenses in New York lead to:

  • Up to one year in jail
  • $500 to $1,000 in fines
  • License revoked for at least six months for DWI
  • License suspended for at least six months for DWAI-Drugs

How Do Citations Impact Car Insurance Rates in New York?

When you receive a ticket your auto insurance premiums will probably rise. How much your rates rise depends on the violation's severity, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a snapshot of typical auto insurance rates in New York after a few common citations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$3,07382%$1,385
Refused Breathalyzer/Chemical Test$3,01479%$1,326
DUI$3,01479%$1,326
Racing$2,38341%$695
Reckless Driving$2,64957%$961
Driving with a Suspended License$2,32638%$638
At-Fault Accident$1,93915%$251
Driving with an Open Container$1,8117%$123
Operating a Vehicle Without Permission$1,7815%$93
Passing a School Bus$1,7785%$90
Improper Passing$1,7785%$90
Following Too Closely$1,7815%$93
Speeding$1,87411%$186
Failure to Stop at a Red Light$1,7815%$93
Illegal Turn$1,7815%$93
Driving Wrong Way/Wrong Lane$1,7815%$93
Failure to Yield$1,7815%$93
Speeding in a School Zone$1,7946%$106
Driving Too Slowly$1,7946%$106
Distracted Driving$1,7815%$93
Driving with Expired Registration$1,7172%$29
Failure to Show Documents$1,7172%$29
Not-at-Fault Accident$1,6880%$0
Failure to Use Child Safety Restraint$1,6880%$0
Failure to Wear a Seat Belt$1,6880%$0
Driving Without Lights$1,6880%$0

New York Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the New York area, while also getting an insider view of the Empire State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.