How to Find the Best Car Insurance
for High Risk Drivers in New York
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- Car Insurance in New York
- High-Risk Car Insurance in New York
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.
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.
What’s in the New York High-Risk Car Insurance Guide?
- What Are the Best Car Insurance Companies for High-Risk Drivers in New York?
- How Much Does High-Risk Driving Affect Car Insurance Rates in New York?
- How Much Does a Speeding Ticket Impact Car Insurance Rates in New York?
- How Does an at-Fault Accident Impact Insurance Rates in New York?
- How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in New York?
- Does Driving With a Suspended License Impact Car Insurance Rates in New York?
What Are the Best Car Insurance Companies for High-Risk Drivers in New York?
If you're a high-risk driver in New York, you have plenty of car insurance options, with some companies even specializing in providing policies friendly to high-risk drivers. Though these policies are typically more expensive, you can still find a good deal if you do your research. Below are some of the cheapest car insurance companies and rates 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 |
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 for Red Light / Stop Sign | $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:
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:
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:
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.
