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Cheap Auto Insurance Quotes in New York City, NY (July 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in New York City, NY
Driving in New York City can be both fun and hectic, which is why proper car insurance coverage is essential to staying safe behind the wheel on the city’s bustling streets. While New York can be an expensive city, New York auto insurance doesn’t have to be! Use Insurify to find cheap car insurance in NYC in under five minutes and save $996 on your auto insurance policy!
Quotes by Top Companies
TSC Direct$102
Kemper Preferred$191
Travelers$219
Midvale Home & Auto$326
Plymouth Rock$327
Cheapest Car Insurance in New York City, NY
Auto insurance rates in New York vary from provider to provider and can go as low as $191 and as high as $474 per month. This is why the key to finding the cheapest auto insurance is to shop around and compare at least four car insurance quotes from different providers. You can find some of the cheapest car insurance companies in NYC below.
| Insurance Provider in New York City | Quotes |
|---|---|
| TSC Direct | $102 /mo |
| Kemper Preferred | $191 /mo |
| Travelers | $219 /mo |
| Midvale Home & Auto | $326 /mo |
| Plymouth Rock | $327 /mo |
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Best Car Insurance in New York City, NY
Shopping for affordable car insurance does not mean you have to sacrifice the quality of your coverage. Insurify uses the latest technology to calculate insurance providers’ Insurify Composite Score (ICS) to reflect their reliability and quality of service. According to Insurify’s research, Nationwide is the best car insurance company in New York City with an ICS of 89.
| Best Companies | Score | Quotes |
|---|---|---|
| American Family | 89 | $303 /mo |
| Liberty Mutual | 82 | $401 /mo |
| Travelers | 80 | $214 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| New York Cities | |
|---|---|
| Brooklyn | $417/mo |
| Staten Island | $186/mo |
| Buffalo | $151/mo |
| Rochester | $112/mo |
| New York City | $321/mo |
| New York City | $237/mo |
Rochester$112
Buffalo$151
Staten Island$186
Average for NY$237
Average for NY$321
Brooklyn$417
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in New York
All motor vehicles operated or parked on New York roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in New York[1] are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New York is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
- $10,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
- $50,000 per accident for PIP
Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.
- $25,000 per person for uninsured/underinsured motorist bodily injury
- $50,000 per accident for uninsured/underinsured motorist bodily injury
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In New York, this coverage is for bodily injury resulting from accidents with either type of driver.
New York City Car Insurance Rates by Driver Age
You can expect your car insurance rates to become cheaper as you age and gain more driving experience. Young drivers under 25 in New York state can expect the highest average rates—$857 and $433 per month, respectively—while New York state drivers in their 60s and 70s can have average premiums that go as low as $220 and $216 per month, respectively.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| Teens | $857 |
| 20s | $433 |
| 30s | $295 |
| 40s | $283 |
| 50s | $250 |
| 60s | $220 |
| 70s | $216 |
| 80+ | $239 |
New York City Car Insurance Rates by Driving and Accident History
Car insurance companies look at your driving history to determine your car insurance premiums. Drivers with a clean record can expect some of the cheapest rates, $434 per month on average. New York drivers with at-fault car accidents, DUIs, and failures to stop on their driving record will see higher average costs, but you can still find the best rates if you shop with Insurify.
| Driving History | Avg. Monthly Cost |
|---|---|
| Clean Record | $434 |
| Speeding Ticket | $373 |
| At-Fault Accident | $459 |
| Failure to Stop | $440 |
| DUI | $480 |
New York City Car Insurance Rates by Credit Tier
Your credit score can increase the cost of car insurance—or keep your auto insurance premiums low. New York drivers with excellent credit scores can expect the cheapest rates, while those with poor credit will likely end up paying more. According to Insurify data, drivers with a poor credit score pay $243 more per month on average than those with excellent credit.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $190 |
| Good | $390 |
| Average | $465 |
| Poor | $533 |
See More: Bad Credit Car Insurance New York
Find local New York City agents
Bond Insurance Brokerage Inc
1270 Avenue of The Americas Fl 8,
New York, NY 10020Schmutter, Strull, Fleisch Inc.
80 Maiden Ln Rm 505,
New York, NY 10038Benefit Quest, Inc.
420 Lexington Ave Suite 2400,
New York, NY 10170Diversified Risk Solutions
154 Grand St,
New York, NY 10013Kenneth Bieber Inc
370 Lexington Ave,
New York, NY 10017Campbell Solberg Associates, Inc.
129 W 27th St,
New York, NY 10001JMP Insurance Brokers
116 West 23rd Street,
New York, NY 10011DurAmerica Brokerage Inc
214 West 39th Street,
New York, NY 10018Jetty Insurance Agency LLC
37 W 20th St Ste 301,
New York, NY 10011-3720Spectrum Ins. Brokerage Services Inc
511 Canal St Rm 201,
New York, NY 10013
New York DMV Information
“DMV” stands for “department of motor vehicles,” and it is a government agency that is responsible for various services that involve vehicle and driving regulations. Your local DMV is where you go to renew your driver’s license, register your vehicle, modify your vehicle registration, and more.
The New York DMV offers many of its services online. Here are some of the things you can do from your computer without having to visit your local DMV office:
- Change your address
- Renew your registration
- Replace your lost license, permit, or ID
- Replace your registration
- Renew your license or non-driver ID
- Restore your license after revocation
- Pay suspension termination fee
- Get new registration and plates
- Check vehicle registration status
- Get an accident report
Public Transportation in New York
New York City has an extensive public transportation system, and the subway is the most popular method of getting around. The New York City rail and bus system is called the MTA (Metropolitan Transportation Authority), and it operates 24 hours a day, seven days a week. Another popular way to explore the city is simply by walking.
Even though New York City has many public transportation options, they are often crowded, and you can expect frequent delays. Getting around in your own vehicle gives you a higher level of comfort and control over your transportation. Plus, shopping for cheap auto insurance with Insurify can help you save $996 in annual car insurance premiums on average!
How to Get the Cheapest Car Insurance in New York
Whether you’re looking for minimum coverage or full-coverage car insurance, getting at least four quotes from different car insurance providers helps you find the cheapest car insurance in New York City. Different insurance providers measure factors such as your age and credit score differently to calculate your rate, and your premiums will vary from insurer to insurer as a result.
Insurify makes comparing car insurance quotes fast and easy. Instead of spending hours manually requesting and comparing quotes, answer a few questions on Insurify’s trusted site and get instant access to 10+ cheap car insurance quotes from the best auto insurance providers in New York City. New Yorkers have no time to waste, so get your free quote today!
FAQs - New York City, NY Car Insurance
Getting at least four quotes from different insurance providers is key to finding cheap car insurance in New York. You can also bundle your car insurance policy with other policies—such as renters or homeowners insurance—to get a discount from your provider. Insurify gives you personalized suggestions on how to find the cheapest auto insurance possible in minutes.
Your car insurance costs depend on a variety of factors, such as your age and driving history, and on whether you’re looking for the state minimum coverage or full coverage (which includes comprehensive coverage and collision coverage). Car insurance rates can go as low as $102 or as high as $857 per month, so use Insurify to get your personalized quote today and save.
Being a teen driver or a young driver under 25 can drive your car insurance rates to be as high as $857 per month on average. New York drivers with poor credit scores can also expect higher average rates than those with excellent and good credit. To find cheap car insurance in New York City, even when you have negative factors driving your insurance costs up, use Insurify.
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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.
Insurify Insights
How New York City Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in New York City, New York below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how New York City drivers measure up to their fellow motorists across New York in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Civic
Most Popular Car in New York City
#28
City with the Most Speeding Tickets Rank in New York
#2
City with the Most Moving Violations Rank in New York
#3
City with the Most DUIs Rank in New York
#6
City with the Most Suspended Licenses in New York
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. New York City drivers rank 34 in the number of car accidents per driver across all cities in New York.
- Rank within state: #34
- Percent of drivers in New York City with an accident: 5.55%
- Drivers in New York City, NY with an accident in their driving history pay on average 16.71% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New York, New York City drivers rank 28 in the number of speeding infractions per driver.
- Rank within state: #28
- Percent of drivers in New York City with a speeding ticket: 4.73%
- Drivers in New York City, NY with a speeding ticket in their driving history pay on average -97.04% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New York City drivers rank 3 in the number of DUI’s per driver across all cities in New York.
- Rank within state: #3
- Percent of drivers in New York City with a DUI: 2.39%
- Drivers in New York City, NY with a DUI in their driving history pay on average 15.09% more than drivers with a clean record
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New York, New York City drivers rank 10 in rude driving infractions.
- Rank within state: #10
- Percent of drivers in New York City with a reckless driving violation: 1.64%
- Drivers in New York City, NY with a reckless driving violation in their driving history pay on average -87.06% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; New York City drivers rank 3 in clean driving records across all cities in New York.
- Rank within state: #3
- Percent of drivers in New York City with clean record: 89.11%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New York City drivers rank 10 in failure to yield violations per driver across all cities in New York.
- Rank within state: #10
- Percent of drivers in New York City with a failure to yield violation: 0.27%
- Drivers in New York City, NY with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New York, New York City drivers rank 9 in the number of reckless driving offenses per driver.
- Rank within state: #9
- Percent of drivers in New York City with a reckless driving offense: 0%
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in New York City is the Honda Civic.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Sources
- New York Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed May 28, 2022