Car Insurance in New York
Premiums in New York State exceed the national average by 11%, which is why the state is recognized for its costly rates. Premiums run even higher in the city, so if you are insuring a vehicle in New York, cutting costs is important. Let’s go over some tips on how to save on car insurance in New York.
- City Average: $2,613
- State Average: $1,582
- National Average: $1,427
New York Car Insurance by Age
Teenage drivers have the most expensive rates of any age group, with average car insurance payments of $8,494. The most significant decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in New York start paying $5,070 less in premiums. In New York, turning 60 means an increase in premiums. Up until then, moving between age groups means decreasing prices. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest car insurance payments among any age group, with rates of $2,462/year. People in their 40s ($2,519) and 60s ($2,545) also have relatively low premiums.
- Teenagers: $8,494
- 20s: $3,425
- 30s: $2,601
- 40s: $2,519
- 50s: $2,462
- 60s: $2,545
- 70s: $2,824
New York Car Insurance by Accident or Violation History
Knowing which driving mishaps can balloon your premiums will help you make better decisions and save money. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you an extra 29% per year in premiums. Many people think lightly of speeding, but getting pulled over for driving 16-20mph over the limit costs you extra 15% per year on car insurance.
- DUI: $4,123
- Reckless Driving: $4,767
- At-fault Accident (damages less than $1000): $2,721
- At-fault Accident (damages greater than $2000): $3,506
- Speeding Ticket (16-20 mph over speed limit): $3,013
New York Car Insurance by Credit Rating
For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums are 135% more per year. Drivers will see the biggest reduction in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,220 per year.
- Very Poor: $5,492
- Fair: $4,272
- Good: $3,389
- Very Good: $2,749
- Exceptional: $2,338
New York Car Insurance by Gender and Marital Status
There are a variety of factors, including marital status and gender, that come into play when determining car insurance premiums in New York. Premiums are more expensive for women than for men. Women normally pay 3% more than men each year for insurance. Being single can cost you roughly $50 more per year compared to being married. Rates between those who are divorced and those who are widowed do not deviate. Both groups of drivers pay marginally less than singles.
- Female: $2,702
- Male: $2,613
- Single: $2,613
- Married: $2,565
- Divorced: $2,582
- Widowed: $2,582
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
The Magrino Agency
9729 4th Ave Ste A Brooklyn, NY 11209
Kenneth Bieber Inc
370 Lexington Ave New York, NY 10017
Marchetti & Sabatelli Associates, Inc.
9201 4th Ave, 2nd Floor Brooklyn, NY 11209
Argyle Insurance Agency, LLC
71 West 47th Street, Suite#1002 New York, NY 10036
Campbell Solberg Associates, Inc.
110 William St New York, NY 10038
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New York Car Insurance
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