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 AverageState AverageNational Average
$2,613$1,582$1,427


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/GenderAverage Rate
Female$2,702
Male$2,613
Single$2,613
Married$2,565
Divorced$2,582
Widowed$2,582


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
CreditAverage Car Insurance Rate
Very Poor$5,492
Fair$4,272
Good$3,389
Very Good$2,749
Exceptional$2,338


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
AgeAverage Rate
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 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 ViolationMean Rate
DUI/DWI$4,123
Reckless Driving$4,767
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


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 Zip Codes

11208   11203   11236   11233   11212  

Cheap Zip Codes

10004   10280   10001   10003   10007  

Be Prepared For

Driving in NYC

Major Highways
I-87 I-78 I-95
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

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

Find Local New York Agents

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

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

See How Much You Can Save in New York

Click below to get free quotes in seconds!

Start Saving Now!