How Much Does Auto Insurance Cost in New York?
New York City premiums, which exceed the state average by $1,031, are recognized for being expensive. Therefore in New York, it is important to cut costs while insuring a vehicle. We've analyzed how auto insurance rates in New York compare to premiums nationwide.
CAR INSURANCE PRICES: NEW YORK VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
New York Auto Insurance by Marital Status and Gender
There are many factors, including gender and marital status, that come into play when determining car insurance premiums in New York. Males have premiums that are nearly 3% cheaper than those for females. Being married, as opposed to single, can save you approximately $50 per year on car insurance. For those who are widowed or divorced, rates are marginally cheaper than rates for those who are single.
NEW YORK AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
New York Auto Insurance by Credit Level
Individuals with Very Poor credit (300-579) pay an average of 135% more each year for car insurance than those with Exceptional credit (800-850). In terms of percent change, the biggest benefit of better credit occurs when boosting from Very Poor (300-579) to Fair (580-669), by which drivers can save an average of 22% per year.
NEW YORK CAR INSURANCE COSTS BY CREDIT TIER
|Credit||Average Car Insurance Rate|
New York Auto Insurance Rates by Age
Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest premiums among any age group, with rates of $2,462/year. However, people in their 40s ($2,519) and 60s ($2,545) aren’t paying much more. The most significant decrease in premiums for New York drivers happens when they reach their 20s. Once out of the teenage age range, people save, on average, $5,070 annually. When drivers turn 60, they will experience an insurance rate increase related to their age for the first time. Car insurance premiums are highest for teenage drivers, with average payments of $8,494 per year.
NEW YORK CAR INSURANCE PRICES BY AGE
New York Car Insurance After an Accident or Moving Violation
Does your driving record show a history of accidents or violations? That can cost you in terms of premiums. Drivers with a DUI in New York need to spend $1,510 more than the city average to insure their vehicle. Reckless driving will also bump your rates up, with average rates of $4,767! Speeding 16-20mph above the speed limit can drive up your car insurance rates. People with a speeding ticket on their driving record spend, on average, $400 more per year.
AVERAGE NEW YORK INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Mean Rate|
|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|
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
Marchetti & Sabatelli Associates, Inc.
9201 4th Ave, 2nd Floor Brooklyn, NY 11209
The Magrino Agency
9729 4th Ave Ste A Brooklyn, NY 11209
Argyle Insurance Agency, LLC
71 West 47th Street, Suite#1002 New York, NY 10036
Kenneth Bieber Inc
370 Lexington Ave New York, NY 10017
Campbell Solberg Associates, Inc.
110 William St New York, NY 10038
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New York Car Insurance
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