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New York Car Insurance for Bad Credit Drivers

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Doug Shaffer

By: Doug Shaffer

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated March 9, 2022

Cheapest Companies for Drivers With Bad Credit in New York (2022)

For drivers with bad credit in New York, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in New York. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in New York.

CarrierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Plymouth Rock$170
TSC Direct$188
Travelers$212
Midvale Home & Auto$329
American Family Insurance$344
Liberty Mutual$454

Bad Credit Car Insurance in New York

New York City is known as "The City That Never Sleeps," but it is also known for its high cost of living. Some drivers in the state may have had to take out loans or use their credit card at some point. Depending on the situation, this could have resulted in a rocky credit history.

The good news is that while bad credit can impact your car insurance rate, there are several ways to find competitive pricing. The most effective way is to shop around at multiple insurance providers using a website like Insurify.

New York Car Insurance Rates for Bad Credit Drivers

Excellent
$222
Good
$248
Average
$250
Poor
$270

Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.

How Much Does Bad Credit Impact Car Insurance Rates in New York?

Having less-than-stellar credit can often result in an impact in the car insurance rates you see. Specially in New York, bad credit can result in a 10 percent increase in monthly premiums when compared to those with good credit. This translates to almost $336 more for coverage for the year.

The main reason for the difference in cost between the two tiers has to do with risk. If someone has a low credit score, then they are more likely to not make monthly payments on time or to file more insurance claims.

Avg. Monthly Cost - for Drivers with Good Credit
$282
Avg. Monthly Cost - for Drivers with Bad Credit
$310
$28 ▴
9.93% ▴
Monthly Impact of Bad Credit on Rates
Percent Bad Credit Impact Rates

Can I Get Car Insurance With No Credit Check in New York?

If your goal is to avoid having a credit check conducted when getting car insurance, you might have a hard time finding coverage. Nearly all insurance providers in New York require a credit check when obtaining auto insurance since it helps determine your risk.

Insurance carriers that offer no-credit-check car insurance do exist, but it often comes with a penalty. Most drivers will end up spending more per month than they would if they had applied for coverage with bad credit.

New York Car Insurance Rates by Credit Tier

The auto insurance rates that New York drivers are presented with can fluctuate depending on what credit tier they fall into. Those who are in the excellent tier typically see average pricing around $222 a month. This is $48 less than what drivers in the poor credit tier pay.

Credit TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$222
Good$248
Average$250
Poor$270

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Car Insurance Rates With Bad Credit in New York Cities

There is a drastic change in how much effect bad credit has on car insurance rates based on where you are located. Certain places in New York, like Brooklyn and the Bronx, have averages in the $500 range, while others, such as Buffalo and Rochester, are in the $200 range.

CityCredit TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
BrooklynPoor$589
BronxPoor$534
BuffaloPoor$268
RochesterPoor$246

Tips for Researching Bad Credit New York Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a state like New York draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - New York Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county New York. Insurify analyzed the latest data for the five most populous cities in New York to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in New York and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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  • Personalized quotes in 5 minutes or less
  • No signup required
  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Doug Shaffer
Doug Shaffer

Insurance Writer

Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.

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