You know how the saying goes: if you can make it in New York, you can make it anywhere. Well, that saying even applies to drivers in New York, who have to deal with busy roads and some expensive car insurance rates. But just because you’re buying auto insurance in New York for the first time doesn’t mean you need to be intimidated.
Enter Insurify. When it comes to finding a car insurance policy that works for your budget, you can’t do much better than Insurify. Just answer a few questions about your driving history and your vehicle, and Insurify will give you access to 10+ free quotes from a wide variety of companies. With Insurify, you’re just a few clicks away from affordable auto insurance rates.
Car Insurance Quotes for New Drivers in New York
To register a vehicle in New York, you must have car insurance coverage. But as a new driver, buying car insurance is going to be a little different. You’re new to the roads of New York state and haven’t developed an extensive driving record. Naturally, insurers will look to other metrics like your credit score to determine your rates.
Age and the Cost of Car Insurance
In general, younger drivers pay more for car insurance coverage. Young drivers tend to be more likely to get into accidents, owing to their lack of experience on the road. They also likely haven’t had time to build up good credit, which is another part of your driver profile that can lead to lower rates.
Luckily, you aren’t completely out of luck as a young driver. You can take advantage of good student discounts to lower the price of your liability insurance. Other insurance discounts can come from taking a defensive driving course, which can also give you the safe driving habits you’ll need to keep your rates low going forward.
Driving Experience and the Cost of Car Insurance
If you just got your driver’s license, you’re considered somewhat high-risk in the eyes of a car insurance company. While you may not be as risky to insure as someone with a major violation like a DUI on their record, you’re still an unknown commodity in the world of car insurance. Before you can get the best rates, you’ll need to build up some trust on the road.
Does car insurance in New York cost more for new drivers?
So how much should new drivers expect to pay for car insurance? According to proprietary Insurify data from millions of unique driver quotes, the average new driver in New York pays $534 per month for car insurance coverage. Compared to the average rates for more experienced drivers in New York, this is a pretty large chunk of change. But luckily, you still have plenty of options.
>>> MORE: Car Insurance For 18-Year-Olds
Quite a few insurance carriers in New York offer reasonable rates for new drivers. In the table below, you’ll find the car insurance companies that offer the cheapest rates for new drivers in New York, based on Insurify data.
|Insurance Company||Average Rate|
|Midvale Home & Auto||$452|
As you can see, insurance companies, big and small, do business in New York. From State Farm to Nationwide to USAA, several major carriers serve New York drivers, many of which have offices in New York City. These power players stand alongside trusted regional carriers that have served the state of New York for years.
What are the best car insurance companies in New York for new drivers?
As we’ve seen, a handful of car insurance companies in New York readily offer affordable car insurance rates for new drivers. But when it comes to the best of the best, the three options below will keep you protected on the road without breaking the bank.
1. TSC Direct
If you’re looking to save big on car insurance as a new driver, look no further than TSC Direct. Serving drivers in New York City, Long Island, and parts of Westchester, TSC offers an average rate of $201 per month for new drivers. While TSC may not have the name recognition of a company like GEICO or Allstate, this is trusted insurance for New Yorkers by New Yorkers.
You can’t talk about car insurance without talking about Progressive. For new drivers in the Empire State, Progressive is the best auto insurance option if you’re looking to work with an industry heavyweight. Their average rate of $437 per month is already quite a bit lower than the state average for new drivers—and that’s just the beginning.
Progressive also offers a usage-based car insurance program known as Snapshot, which offers discounts based on how much you drive and how safely you drive. If you only got a car for the occasional weekend trip and aren’t planning on using your car to commute five days a week, utilizing a usage-based insurance plan like Progressive Snapshot could pay off big time.
At only $276 per month, Travelers offers one of the cheapest rates around for new drivers. Not only that, but Travelers has an A++ rating from A.M. Best, indicating excellent financial strength. Add in consistently high customer satisfaction ratings, and you have a brand that delivers on many fronts for new drivers in New York.
How New Drivers Can Lower Their Car Insurance Premiums
Finding the right car insurance company is only half the battle when it comes to unlocking better rates. These simple tips can help you lower those monthly premiums and find insurance that fits your budget.
- Make sure you’re buying the right policy. While it might be tempting to buy full coverage that includes collision coverage, comprehensive coverage, and uninsured motorist coverage, remember that kind of policy can get expensive. As a new driver, it may be wiser to start with bodily injury liability coverage and property damage liability.
- Practice safe driving. As a new driver, it’s important to start building a reputation as a safe driver. Using defensive driving techniques to avoid car accidents (particularly at-fault accidents) is a good start. Additionally, you’ll want to avoid getting traffic violations like speeding tickets. That will let carriers know you’re a responsible driver.
- Maintain good credit. One of the easiest ways to get higher car insurance rates is by paying bills late and developing a poor credit score. Auto insurance companies that see bad credit assume you’ll struggle to pay your premium on time and will hesitate to offer an affordable rate.
- Find useful discounts. Car insurance companies make it easy to save with plenty of useful discounts. For instance, teen drivers can lower their rates if they maintain good grades. Bundling car insurance with homeowners insurance or renters insurance is another easy way policyholders save on their monthly premiums.
- Raise your deductible. It’s important to craft an auto insurance policy that is personalized to your needs. You might find that setting a higher deductible works for you because it lowers your monthly premiums. Just remember you may have to pay more if you get in an accident.
Cut Car Insurance Costs with Insurify
Ultimately, the best way to reduce your car insurance costs is by comparing quotes from a wide range of insurance companies. Insurify can be your go-to site for all of your insurance quote comparison needs. Simply answer a few questions about your vehicle and driving history, and Insurify will give you access to accurate, free quotes to help you find the cheapest car insurance.
New Driver Car Insurance in New York: Quick Questions
Do new drivers in New York need to buy car insurance?
To register your vehicle in New York, you’ll need car insurance. So when you go to buy a car, you probably won’t be able to drive it off the lot until you’ve set up a car insurance policy. Luckily, there are many trusted New York car insurance companies eager to work with you. But how much insurance do you need? In New York, the minimum coverage car insurance requirements are $10,000 for property damage for a single accident, $25,000 for bodily injury per person ($50,000 for death for a person involved in an accident), and at least $50,000 for bodily injury protection. You may also want personal injury protection and other add-ons.
What’s the average cost of car insurance for new drivers in New York?
On average, new drivers in New York pay $534 per month on car insurance. New York is a state whose average rates tend to exceed the national average, so new drivers should be prepared to pay quite a bit for car insurance. But just because you’re buying New York auto insurance doesn’t mean you’re doomed to high rates. If you shop smart, you can save big.
How can new New York drivers find cheap car insurance?
Whether you’re driving far upstate or in the heart of Brooklyn, you don’t want to break the bank when it comes to car insurance. That’s why savvy drivers use Insurify to compare quotes and find the policy that meets their needs and budget. Gone are the days of jumping from site to site looking for a policy. With Insurify, all the information you need is in one place.