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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
Unless you absolutely have to, it’s a wise idea to avoid driving in New York City. This bustling metropolis never sleeps, meaning roads are always busy and traffic is the norm. Between clogged roads, jaywalking pedestrians, and tolls on major thoroughfares, it’s enough to make you want to stay home. Those who prefer to drive in New York City should ensure their car insurance policy is robust enough to protect them against anyone who might sue them after an accident.
The average cost of New York car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in New York, NY to find you the cheapest quotes in the area.
Here are the cheapest carriers in New York for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | Quotes |
|---|---|
 GEICO | $91/mo |
 State Farm | $111/mo |
 Progressive | $231/mo |
 Liberty Mutual | $290/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $303/mo | |
Liberty Mutual | $401/mo | |
 Travelers | $214/mo |
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The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:
Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.
The minimum property damage liablilty insurance requirements in New York are:
Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.
New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.
What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:
Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.
Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.
All but the most affluent teenagers will have a tough time even imagining paying for car insurance at $1,367 per month. It’s possible to rent an apartment for less in parts of the city. Experience pays big dividends in New York; that’s why twentysomethings see a dramatic $800 price cut over their younger counterparts. The rates continue to mostly go down, and those in their 60s get the best prices of all at $214 per month, an amount well below the state average of $349. As dexterity and general driving ability decrease for those in their 70s and 80s, the prices come back up to match the risk.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $0 |
| 20s | $480 |
| 30s | $294 |
| 40s | $313 |
| 50s | $282 |
| 60s | $214 |
| 70s | $258 |
| 80s | $395 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $298 |
| Speeding Ticket | $285 |
| At-Fault Accident | $399 |
| Failure to Stop for Red Light / Stop Sign | $263 |
How can people with a clean driving history pay more than those who have a speeding or a failure-to-stop ticket? People with violations on their record tend to shop for the most bare-bones policies they can afford. That may mean skipping comprehensive and collision coverage and settling on liability-only. New Yorkers should especially avoid at-fault accidents because they bump up the rates over $100 per month, a yearly cost of $1,200.
Drivers in the Empire State are still trying to figure out how credit influences their driving. But New York, like all but a handful of states, makes it perfectly legal for insurance companies to rate drivers based on their credit. Generally, people with better credit pay far less. The difference between having excellent credit and poor credit amounts to over $240 per month, or $2,880 per year. That’s enough money to motivate most drivers to pay off debt and improve their credit scores.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $243 |
| Good | $345 |
| Average | $356 |
| Poor | $487 |
Five DMV offices serve the city, offering a relatively convenient location no matter where you live. Most locations are open Monday through Friday and don’t close until 8 p.m., allowing those with busy work schedules to still access their services. Despite these multiple locations, over eight million people live in New York City, so it’s likely that the DMV is always busy.
Individuals who prefer not to drive in the city will find that they can get from A to B with ease. Both the bus and subway systems travel the length of the metropolitan area, and there’s no shortage of taxicabs on any given block. Uber and Lyft are also popular in New York City; however, many people love to travel the old-fashioned way—on foot.
Only those who are incredibly brave will venture onto New York City streets behind the wheel, as it’s one of the most dangerous places to drive in the nation. Alternative methods of transportation are so easily accessible that it’s not necessary to own a vehicle unless you take frequent trips outside of the city. In that case, it’s crucial that you have a solid auto insurance policy.
Whether you’re price shopping for a better rate or are new to New York, it’s never a bad idea to save time and money. Drivers who visit Insurify are able to compare quotes from multiple companies at once and often find a policy that’s far better than their current coverage.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how New York stacks up for the state of New York:
The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.
The state of New York offers many green driver incentives, including federal tax credits, vouchers, green pass discounts for E-ZPass hybrids, and discounts through some car insurance carriers.
