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Car Insurance

New York: Cheapest Car Insurance

Whether you’re moving to New York or looking for a new carrier, you’ll want to compare quotes and read our list of cheapest cities to drive in order to save the most money on auto insurance.

If you’ve been stuck in an empire state of mind, then maybe it’s time to make the move to the Empire State. But, what about your car? You want to keep it, but aren’t sure where to go for the best insurance. New York can be quite expensive, especially in places like Manhattan, but it’s possible to find great rates for car insurance. You just have to shop around!

The state average for car insurance in New York is $1,516/year.

Even with this average you can end up spending more or less depending on where you live. Prices for car insurance premiums in New York ran up as high as $4,000/year, approximately $2,500 more than the state average and almost $3,000 more than those listed below. So, if you need a deciding factor in terms of where to make your next move, whether it be to a new state or a new provider, the below list outlines the 10 cheapest cities in New York for auto insurance.

The top 10 cheapest cities in New York to insure your vehicle:

  1. Corning - $1,053

  2. Elmira - $1,056

  3. Farmington - $1,078

  4. Fairport - $1,078

  5. Geneva - $1,079

  6. Binghamton - $1,082

  7. Canandaigua - $1,083

  8. Webster - $1,083

  9. Palmyra - $1,083

  10. Newark - $1,086

Based on the above listing, you’ll be able to estimate how much your insurance will be in these cities. While these are the cheapest cities to purchase car insurance you’ll be able to find reasonable rates anywhere you live if you do enough shopping around. Even in New York City you can find premiums as low as $1,397/ year despite the city-wide average of $1,942.

While shopping around, remember that you must carry the state minimum coverage set by New York. The state minimum has been set at 25/50/10 which includes: $25,000 coverage for bodily injury per person, $50,000 total coverage for bodily injury per accident, and $10,000 coverage for property damage. While liability is usually set to pay medical coverage for other drivers, New York is a no-fault state, meaning that your own personal insurance protection (PIP) will cover your own medical expenses and guarantee you medical treatment immediately after an accident. In this case, you might want to consider buying more than the state minimum if you’re worried your health insurance alone won’t be able to cover your bills after an accident.

Start shopping with a comparison site that makes it easy to customize your coverage and earn discounts. Insurify’s intelligent, virtual agent can help assess what liability exactly fits your needs and give you the power to compare all carriers within your region to get you the best rate possible.