What's the average cost of car insurance in New York?
Auto insurance costs an average of $3,004 per year in New York. That's more than the average across New York ($1,704) and pricier than the national average of $1,548. Our guide to New York car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
AUTO INSURANCE COSTS: NEW YORK VS. STATE AND US AVERAGES
|New York Average (annual)||New York Average||United States Average|
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New York auto insurance rates by insurer
The difference in auto insurance rates from company to company can be substantial. In New York, GEICO offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in New York below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
NEW YORK CAR INSURANCE RATES BY COMPANY
|Insurer||Average Annual Rate|
New York auto insurance premiums by age
New York drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $2,831 per year, on average. Those in their 60s don't pay significantly more ($2,874).
Teenage drivers pay New York's most expensive auto insurance rates. When drivers hit their 20s in New York and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in New York is $5,020, the largest such difference between any two age groups.
NEW YORK AUTO INSURANCE COSTS BY AGE
|Age group||Average Annual Rate|
New York car insurance rates by marital status and gender
Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In New York, married motorists pay $53 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in New York, single drivers pay more than those who are widowed.
Gender is another factor that can affect auto insurance rates. In New York, female drivers pay $163 per year more than do male drivers for car insurance.
NEW YORK CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
New York auto insurance costs by driving history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. New York drivers found guilty of reckless driving face insurance rate increases of $1,409 per year, compared to the citywide average. A DUI violation may lead to a $1,651 increase, while a citation for speeding leads to a $624 rate hike.
NEW YORK CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$3,085|
|At-fault Accident (damages greater than $2,000)||$4,006|
|Speeding Ticket (16-20 mph over speed limit)||$3,628|
New York car insurance premiums by credit score
Credit score is often closely correlated with car insurance costs. In New York, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 68% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In New York, improving your credit to "Fair" could help you earn a $4,165 decrease in annual car insurance rates.
NEW YORK CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Rate (annual)|
What raises car insurance rates in New York City?
Where you live in New York City 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 City is no exception to the rule. From zip code 10004 to 11212, premiums rise by 94 percent—that’s $2041.
Expensive New York City Zip Codes: 11208, 11203, 11236, 11233, 11212
Cheap New York City Zip Codes: 10004, 10280, 10001, 10003, 10007
New York Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.
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 City Agents
Argyle Insurance Agency, LLC
71 West 47th Street, Suite#1002, New York, NY 10036
Kenneth Bieber Inc
370 Lexington Ave Suite 1405, New York, NY 10017
Marchetti & Sabatelli Associates, Inc.
9201 4th Ave, 2nd Floor, Brooklyn, NY 11209
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