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Temporary Car Insurance in New York (With Quotes)
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| Reviewed by licensed insurance agent, Amber Benka
Last Updated March 9, 2022
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Cheapest Companies for Temporary Car Insurance New York (2022)
For drivers looking for temporary insurance 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 looking for a 6-month policy.
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 temporary car insurance for drivers in New York.
| Carrier | Avg. Monthly Cost |
|---|---|
| TSC | $147 |
| Travelers | $205 |
| Plymouth Rock | $221 |
| Midvale | $305 |
What Is Temporary Car Insurance and How to Get It in New York?
For New York drivers who want flexibility in their auto insurance, choosing a temporary plan may be the best option. Often, policies that are six months in length tend to provide a better value, with lower rates and the ability to take advantage of re-rating. They also provide more opportunities to shop around with multiple carriers.
Temporary car insurance is typically a good option for several different types of drivers. Students who only use their car a few months out of the year can benefit from short-term coverage. Drivers who are looking to build up their driving record after a violation would also do well with a short-term auto insurance policy.
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What Are the Average Short-Term Car Insurance Rates in New York?
New York has one of the higher monthly averages for short-term policies in the United States. On average, drivers pay a monthly rate around $295 for a short-term auto insurance policy. In total, it can cost motorists $1,769 to keep their coverage over a six-month period.
| Length of Short-Term Insurance Policy | Avg. Monthly Rate, Short-Term Policy | Total Cost of 6 Month, Short-Term Policy |
|---|---|---|
| 6 months | $295 | $1,769 |
What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in New York?
The major benefit for choosing a six-month auto insurance policy in New York revolves around pricing. With a short-term plan, you are only locked into your rate for six months compared to a full year. This allows you to shop for quotes and find affordable rates more frequently, helping cut the cost of your insurance payments.
The six-month temporary auto insurance policy can also be used for drivers with a poor driving record who are looking to build up trust with an insurance provider. Typically, most carriers will re-rate drivers after their policy has expired. To find out if you qualify for a better rate, use the Insurify platform to quickly review multiple quotes all in one place.
Find Cheap Short-Term Car Insurance in Minutes
You could find cheap short term car insurance options in New York within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.
Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.
Best Short-Term Car Insurance Plans in New York
Insurance prices and policies can vary significantly between companies, and a state like New York draws a wide variety of choices when drivers are evaluating temporary car insurance plans.
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
Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.