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New York Car Insurance for High Risk Drivers (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Insurance Companies for High Risk Drivers in New York (2022)
For drivers that are high-risk 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 after this incident will allow you to get the best possible insurance rate for drivers that are high-risk.
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 high-risk drivers in New York.
| Carrier | Avg. Monthly Cost |
|---|---|
| Plymouth Rock | $162 |
| TSC Direct | $177 |
| Travelers | $225 |
| American Family Insurance | $379 |
| Liberty Mutual | $395 |
| Midvale Home & Auto | $413 |
What Makes a Driver High-Risk in New York?
When a car insurance company starts doing business with a new customer, they'll first assess the customer's driving history. Certain events on the road, such as a speeding ticket or at-fault accident, can mean you're a high-risk driver. Car insurance companies see high-risk drivers as more likely to file a claim, which means such drivers might face higher insurance rates.
In the Empire State, you have to make some pretty big mistakes on the road to get classified as a "high-risk driver." Getting in at-fault accidents, driving while under the influence of drugs or alcohol, and speeding are just a few of the mistakes that make you riskier to insure. While being a high-risk driver may lead to higher insurance premiums, New York drivers with a less-than-perfect driving record still have many options.
New York Car Insurance Rates for High-Risk Drivers
No Violation$276
Failure to Stop$291
At-Fault Accident$306
Speeding Ticket$307
Reckless Driving$359
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in New York?
High-risk driving charges can happen to anyone, even the best of drivers. And in New York, anything that "unreasonably endangers" other drivers can earn you a reckless driving charge, which means it's wise to stay cautious on the road.
Unfortunately, car insurance companies aren't always forgiving after you receive a high-risk driving charge. New York drivers with a reckless driving charge could see their rates go up a whopping 30 percent. Here is how some high-risk driving charges can affect your car insurance rates:
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $276 |
| Speeding Ticket | $307 |
| At-Fault Accident | $306 |
| Reckless Driving | $359 |
| Failure to Stop | $291 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in New York?
In New York, a speeding ticket adds points to your driving record and can result in a hefty fine—not to mention the fact that it raises your average car insurance rate by over $30. Here are some typical rates you can expect to see if you have a speeding ticket on your record in this state:
No Violation - Avg. Monthly Rate$276
Speeding ticket - Avg. Monthly Rate$307
$31 ▴
Avg. Monthly Rate Increase
How Does an at-Fault Accident Impact Insurance Rates in New York?
It's just a reality of the roads: accidents happen. And when you find yourself at fault in an accident in New York, you could see your car insurance rates increase by $30 a month. Here are the rates you can expect in New York after an at-fault accident:
No Violation - Avg. Monthly Rate$276
Speeding ticket - Avg. Monthly Rate$306
$30 ▴
Avg. Monthly Rate Increase
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in New York?
When you fail to stop at a red light or stop sign in New York, you'll probably see your car insurance rates creep up by an average of $15 per month. While you might not be able to find the cheapest rates after such a mistake, you can still find competitive rates if you shop around. Here are typical rates for New York drivers with this kind of offense on their record:
No Violation - Avg. Monthly Rate$276
Speeding ticket - Avg. Monthly Rate$291
$15 ▴
Avg. Monthly Rate Increase
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Does Driving With a Suspended License Impact Car Insurance Rates in New York?
When a car insurance company starts doing business with a new customer, they'll first assess the customer's driving history. Certain events on the road, such as a speeding ticket or at-fault accident, can mean you're a high-risk driver. Car insurance companies see high-risk drivers as more likely to file a claim, which means such drivers might face higher insurance rates.
In the Empire State, you have to make some pretty big mistakes on the road to get classified as a "high-risk driver." Getting in at-fault accidents, driving while under the influence of drugs or alcohol, and speeding are just a few of the mistakes that make you riskier to insure. While being a high-risk driver may lead to higher insurance premiums, New York drivers with a less-than-perfect driving record still have many options.
Tips for Researching High-Risk New York Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like New York draws a wide variety of choices when factoring high-risk driving insurance rates.
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.
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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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Content Writer at Insurify
Mark Steinbach is a writer based in Brooklyn, NY. In addition to his years of work as a copywriter, he is also a TV writer with a degree in English from Harvard University. When he isn't writing, he can be found playing tennis or doing crossword puzzles.