Car Insurance for Good Drivers in New York

The Zebra
July 15, 2019

Auto insurance for low-risk drivers in New York

Many of the factors contributing to car insurance rates are out of your control: your age, the city or state in which you reside, and your gender are common rating factors over which you don’t have much of a say. But there are a few factors you can control if you're looking for lower rates.

If you’re seeking more affordable insurance, try to keep your driving record cleaen, your credit score solid, and your monthly mileage low. Car insurance companies are willing to provide price breaks to drivers who present little risk, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in New York.

Car insurance for citation-free drivers in New York

One of the easiest ways to pay less for auto insurance is to maintain a good driving record. Insurers view good drivers as less risky customers and in turn, charge them lower premiums. Staying on the right side of the law is a great way to cut your insurance costs.

If you're citation-free, start your search for insurance with USAA, with average annual premiums totaling $1,669. That comes out to $-317less than the average car insurance rate for citation-free drivers in New York.

CHEAP AUTO INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN NEW YORK
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,669
Hanover$1,714
New York Central Mutual Fire$1,899
Preferred Mutual$1,953
Allstate$2,024
Progressive$2,180
Metropolitan$2,205
GEICO$2,366

Auto insurance rates for drivers with high credit scores in New York

Auto insurance companies reward clients who maintain a solid credit profile. Auto insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is between 670 and 739, your top option for car insurance in New York could be USAA, offering average rates of $1,669. If your credit score is in the “excellent” range, Hanover might be a smart place to start your search. Hanover's premiums for clients with credit scores of 800 or better are $200 per year cheaper than average rates for drivers with excellent credit in New York.

Find below a breakdown of auto insurance rates in New York for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN NEW YORK
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,669
Hanover$1,714
New York Central Mutual Fire$1,899
Preferred Mutual$1,953
Allstate$2,024
Progressive$2,180
Metropolitan$2,205
GEICO$2,366

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN NEW YORK
Insurance CompanyAvg. Annual Auto Insurance Rate
Hanover$1,450
USAA$1,594
New York Central Mutual Fire$1,685
Progressive$1,859
Metropolitan$1,892
Allstate$1,948
Preferred Mutual$1,953
State Farm$2,183

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN NEW YORK
Insurance CompanyAvg. Annual Auto Insurance Rate
Hanover$1,272
USAA$1,469
New York Central Mutual Fire$1,492
Progressive$1,598
Metropolitan$1,647
Preferred Mutual$1,710
Allstate$1,737
Mercury$1,938

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Car insurance for low-mileage drivers in New York

The more infrequently you drive, the less likely you are to be involved in a collision or file a claim. At least that’s the logic car insurance companies use when rewarding drivers who use their cars only infrequently. If you drive less than 7,500 miles per year, you could receive a car insurance price cut. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're a New York resident who drives less than 7,500 miles per year, consider USAA, which offers average annual savings of $139 for low-mileage clients.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN NEW YORK
Insurance CompanyAvg. Annual Auto Insurance Rate
USAA$1,491
Hanover$1,714
New York Central Mutual Fire$1,715
Preferred Mutual$1,953
Allstate$1,973
State Farm$2,103
Progressive$2,180
Liberty Mutual$2,193

Start your search today — compare rates now!

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Good driver insurance rates in New York — by city

Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Insurance companies rate policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.

Find below a breakdown of auto insurance rates for drivers with positive rating factors in the five most populous cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Rochester$2,467$2,467$2,368$2,231$1,993
Syracuse$2,691$2,691$2,588$2,444$2,203
Buffalo$3,627$3,627$3,487$3,296$2,907
Yonkers$4,740$4,740$4,544$4,264$3,957
New York$5,442$5,442$5,204$4,853$4,387

Find an affordable policy today!

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