How Much Does Car Insurance Cost in New York City?
New York City premiums, which exceed the state average by 65%, are recognized for being pricey. Therefore being knowledgeable about premiums while insuring a vehicle in New York is crucial. We've analyzed how auto insurance rates in New York compare to costs nationwide.
CAR INSURANCE RATES: NEW YORK VS. NATIONAL/STATE MEAN
|City Average||State Average||National Average|
NYC Auto Insurance by Marital Status and Gender
In New York, both marital status and gender play a role in your car insurance premiums. On average, females have premiums that are 3% more expensive than those for males. You spend 2% more per year if you're single as opposed to married. Rates between those who are widowed and those who are divorced do not vary. Both groups of drivers pay slightly less than singles.
NEW YORK CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
New York City Car Insurance for Drivers With At-Fault Accidents or Violations
Do you know by how much an at-fault accident or violation can raise your car insurance rates? Reckless driving will increase your car insurance premiums more than other driving violations. In New York, drivers with a DUI need to spend 58% more than the city average to insure their vehicle. Reckless driving will also bump your rates up, with average rates of $4,767, which are 82% higher than the city average! The amount of damage that results from an at-fault accident influences insurance rates. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another 29% per year in premiums.
AVERAGE NEW YORK INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,721|
|At-fault Accident (damages greater than $2,000)||$3,506|
|Speeding Ticket (16-20 mph over speed limit)||$3,013|
New York Auto Insurance by Credit Score
People with Very Poor credit (300-579) normally pay 2.3x more each year for car insurance than those with Exceptional credit (800-850). Drivers can save nearly $1,220 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).
NEW YORK AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Car Insurance Rate|
New York Auto Insurance Costs by Age
In New York, drivers see the biggest decrease in premiums when they reach their 20s, as they save an average of $5,070 from moving out of the teenage age range. The first time drivers can anticipate their age to trigger a rise in rates is when they turn 60. At $2,462, drivers in their 50s have the lowest payments among any age group. People in their 40s ($2,519) and 60s ($2,545) also have relatively low premiums. With car insurance payments of $8,494 on average, teenage drivers have the most expensive rates of any age group.
NEW YORK AUTO INSURANCE RATES BY AGE
What drives up car insurance rates in New York?
Where you live in New York affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately New York is no exception to the rule. From zip code 10004 to 11212, premiums rise by 94 percent—that’s $2041.
Expensive New York Zip Codes: 11208, 11203, 11236, 11233, 11212
Cheap New York Zip Codes: 10004, 10280, 10001, 10003, 10007
New York Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In New York, you can expect 122 rainy days with an annual rainfall of 49.9 inches. New York is also known to experience severe winter storms. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in NYC
Major HighwaysI-87 I-78 I-95
Toll RoadsRobert F. Kennedy Bridge Gov. Thomas E. Dewey Thruway Marine Parkway - Gill Hodges Memorial Bridge
Find Local New York Agents
Argyle Insurance Agency, LLC
71 West 47th Street, Suite#1002 New York, NY 10036
The Magrino Agency
9729 4th Ave Ste A Brooklyn, NY 11209
Marchetti & Sabatelli Associates, Inc.
9201 4th Ave, 2nd Floor Brooklyn, NY 11209
Campbell Solberg Associates, Inc.
110 William St New York, NY 10038
Kenneth Bieber Inc
370 Lexington Ave New York, NY 10017
Not sure about New York
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