What's the Average Cost of Car Insurance in New York?

The Zebra
Oct. 11, 2018

Car insurance policies are expensive in New York. The average auto insurance rate in New York is $1,582 per year — more than the nationwide average by 10.9%.

Your auto insurance prices are impacted by factors other than your location. Auto insurance rates consider myriad details, including a motorist's credit score, driving record, age, gender, and marital status.

We reviewed average New York car insurance rates by each of the major pricing factors. Continue reading to learn how much car insurance costs in your state — or enter your zip code to receive tailored prices from top auto insurance companies.


Average Car Insurance Costs in New York by Age

It's unavoidable: as you age, your auto insurance prices change. Typically, auto insurance is more expensive for young drivers and teens, as insurers view inexperienced motorists as more risky.

In New York, car insurance costs $5,370 annually for a 16-year-old driver, but just $1,347 yearly for a driver between 50 and 59 years of age.


NEW YORK CAR INSURANCE COSTS BY AGE BRACKET
Age Average Yearly Rate
16 $5,369.60
17 $5,542.77
18 $4,509.16
19 $3,368.45
20s $1,898.06
30s $1,436.29
40s $1,391.62
50s $1,347.40
60s $1,389.33
70s $1,541.22



Average Auto Insurance Expenditures in New York by Gender

While gender does not carry as large an impact on car insurance rates as state or age, it is used as a rating factor. Men pay less than do women for auto insurance in New York, but the difference is just $23.46 annually.

NEW YORK CAR INSURANCE PREMIUMS FOR MEN AND WOMEN
Gender Average Annual Premium
Male $1,443.92
Female $1,467.38



Average Auto Insurance Premiums in New York by Marital Status

One benefit of nuptials — in addition to the wedding gifts — is the lower prices you often get on insurance. In New York, married motorists save $45 per year on auto insurance policies. This is a smaller discount than the national average of $76.


NEW YORK AUTO INSURANCE PRICES BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,443.92
Married $1,399.06
Divorced $1,424.47
Widowed $1,424.47



Average Auto Insurance Rates in New York by Credit History

Car insurance companies use credit history to get an idea of the reliability of a prospective client. Historical data demonstrate motorists who carry good credit scores are more dependable auto insurance clients: they're less likely to file claims insurance companies are compelled to cover.

In the state of New York, a motorist who carries exceptional credit saves $1,571.86 each year in car insurance premiums, compared with a driver who has a poor credit history. Learn more about how credit history can affect auto insurance expenditures:


NEW YORK AUTO INSURANCE PRICES BY CREDIT TIER
Credit Quality Average Annual Rate
Very Poor (300-579) $2,875.31
Fair (580-669) $2,278.99
Good (670-739) $1,832.53
Very Good (740-799) $1,511.33
Exceptional (800-850) $1,303.45



Average Auto Insurance Premiums for Bad Motorists in New York

If you are found to be at fault after a car accident or convicted of a driving violation, your insurance costs are bound to climb. The more violations you accumulate, the pricier your auto insurance becomes.

In New York, your first minor at-fault crash results in a penalty of -$70.41 annually in car insurance premiums. A DUI — thought of as one of the most grave driving violations — may grow your insurance rates in New York by an average of $645.79.


NEW YORK AUTO INSURANCE COSTS AFTER OFFENSES
Age Average Yearly Rate
DWI/DUI $2,228.20
Reckless Driving $2,524.08
At-Fault Accident (<$1,000) $1,512.00
At-Fault Accident ($1,000-$2,000) $1,993.83
At-Fault Accident (>$2,000) $1,940.49
Open Container $1,553.91
Speeding (21-25 MPH > limit) $1,581.02
Speeding (16-20 MPH > limit) $1,581.02

If you are looking for a better deal on auto insurance, think about weighing rates to discover cheap coverage that works for you.


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