New York Car Insurance

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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

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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.

122

Rainy Days a Year

50"

Avg. Annual Rainfall

25"

Avg. Annual Snowfall

Be Prepared For

Driving in NYC

Major Highways
I-87 I-78 I-95
Public Transit
MTA Subway MTA Bus MTA Rail
Toll Roads
Robert F. Kennedy Bridge Gov. Thomas E. Dewey Thruway Marine Parkway - Gill Hodges Memorial Bridge
Popular Day Trips
Montauk Fire Island Cold Spring

Find Local New York Agents

Kenneth Bieber Inc

370 Lexington Ave New York, NY 10017

Argyle Insurance Agency, LLC

71 West 47th Street, Suite#1002 New York, NY 10036

Marchetti & Sabatelli Associates, Inc.

9201 4th Ave, 2nd Floor Brooklyn, NY 11209

The Magrino Agency

9729 4th Ave Ste A Brooklyn, NY 11209

Campbell Solberg Associates, Inc.

110 William St New York, NY 10038

See All

Not sure about New York

Check out these other New York cities...

Buffalo

$2,761

The average New Yorker's annual cost of coverage

40%

Our customer's average savings after comparing insurance

442

That's equal to 442 pieces of thin crust or $1,104 in savings

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New York Car Insurance

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