Cheapest Car Insurance Costs in New York
Get average car policy rates for New York City, NY by coverage horizontal surface, ZIP code, and company. You’ll besides get expert advice on how much coverage to buy, plus find out how much car insurance goes up for tickets and accidents. Michelle is a writer, editor program, and expert on car policy and personal finance.
Prior to joining CarInsurance.com, she reported and edited articles on engineering, lifestyle, education, and government for magazines, websites, and major newspapers, including the New York Daily News.
Here you’ll learn everything you need to know to buy the best car insurance policy in New York City for your particular position. You’ll see which carriers are rated as the best car indemnity companies for customer atonement and what the average car insurance rates are for your vicinity.

You’ll besides discover how much you can save from knowing how to make smart choices about coverage. And, find out how rates for New York City drivers are affected by tickets, accidents, and adding adolescent drivers. Key Highlights

  • Geico Gen Ins Co has the cheapest car insurance rates in New York City, based on CarInsurance.com’s rate analysis for three different coverage levels.
  • In New York comprehensive costs $706 and collision costs $1,013, on an average per year, according to a rate data analysis done by CarInsurance.com.
  • For state minimum coverage, the average cost in New York City is $1,662.
  • You can save an average of $6,150 a year on a full coverage policy in New York City by comparing price quotes from different car insurance companies.
  • If you get a speeding ticket in New York City, your car insurance rates will go up by an average of 12%, or about $209 yearly.

Who Has The Best Car Insurance in New York City, NY?

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Cheapest Car Insurance Costs in New YorkDeciding who has the best car insurance to suit your needs depends on what is most significant to you. For some, it may be monetary value, while others may value customer service the most. still, others may be looking for the appliance of mobile apps or a company that offers the most car indemnity discounts. Below we list cable car policy companies in New York City, and who they are the best at serving, based on CarInsurance.com ’ s customer satisfaction survey of current policyholders and rate data analysis .

Best for Company
Claims USAA
Value/Price Hartford
Customer Service Hartford
Websites/Apps Hartford
Recommend Hartford
Low Annual Mileage State Farm Mutual Auto
Good Student State Farm Mutual Auto
Bundle State Farm Mutual Auto
Paid in Full Progressive Casualty

How Much Car Insurance do I Need in New York City, NY?

Below we ’ ll explain what coverage you need to drive legally, which is your country required minimal liability limits, and what types of car insurance you may need to be truly protected .

Minimum Car Insurance Requirements in New York City, NY

New York car insurance laws require only that you insure yourself against bodily wounds and property damage indebtedness, so it’s your option whether to add coverage for yourself, your passengers, and your vehicle. If you have a newer mannequin car, it makes sense to get comprehensive policy and collision coverage. In New York, comprehensive costs $ 706, and collision costs $ 1,013, on average per year, according to a rate data psychoanalysis done by CarInsurance.com. These optional coverages come with a deductible. That’s the sum you pay before your insurance company pays. distinctive deductibles amounts are $ 1,000, $ 500 and $ 250 – you choose which one you want. The higher the deductible is, the lower your rate will be. The best cable car indemnity coverage is normally international relations and security networks t the cheapest. You may be used if you’re in an accident and your insurance does’ deoxythymidine monophosphate cover all of the damages. That means your home or savings could be in hazard. To protect your assets, you should buy liability insurance in the following amounts:

  • $1,00,000 to pay for others’ medical bills
  • $3,00,000 to pay for injuries to others in an accident you cause
  • $1,00,000 to pay for damage to other’s property

You should also consider buying these optional coverages:

  • Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, and vandalism.
  • Collision, which pays for damage to your car from accidents.

Compare Car Insurance Quotes in New York City, NY & Save Money

You can save an average of $6,150 annually on a wide coverage policy in New York City by comparing car indemnity quotes, according to CarInsurance.com ‘s rate analysis. While savings will depend on your particular circumstances, this shows that there is a meaningful benefit to shopping your policy.

New York City, NY Car Insurance FAQs

How much does insurance go up after a speeding ticket in New York City, NY?

A rush slate in New York City will hike your car insurance rates by an average of 12 %, or about $ 209 annually. CarInsurance.com’s south rate analysis shows how much more drivers in New York City can expect to pay, on average, for rush and other coarse violations. minor traffic violations, such as accelerate, typically stay on your record for about three years, and you can expect to see the pace increase upon your policy refilling date. More severe infractions, such as DUI, typically stay on your record a lot longer.

New York City drivers can expect to see a rise in their rates in the crop of 7 % for minor moving violations such as tailgating or blowing through a stop sign of the zodiac, 47 % for more dangerous infractions such as DUI. Below you’ll see how much rates increase, on average, for common traffic violations. Remember, though, that because policy companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a set for a citation, while another may spike your rate by much less.

An accident will increase car insurance rates by 3 % to 11 %, on the median, for drivers in New York City. When you file a call for an accident that’s your fault, typically your car insurance rates will increase. however, claims under your comprehensive coverage, if you have it as it ’ mho optional, typically won ’ triiodothyronine gun trigger an increase. That ’ ‘s second because comprehensive examination claims are for damage insurers consider to be beyond your restraint, for example, due to hail, burn, flood, falling objects, or collisions with an animal. The table below shows how much drivers in New York City can expect to pay for course car insurance claims.

In New York City, adding a 16-year-old daughter to your policy will hike your rates by $ 2,207 annually, or 127 % It’s more for boys. Insuring your 16-year-old son will increase your annual rate by $ 2,949, or 169 % according to CarInsurance.com rate data. adolescent drivers are inexperienced and are involved in more accidents than older drivers, according to the federal inquiry, and policy companies categorize them as bad drivers, so they cost more to insure. If you’re insuring an adolescent driver of any age, you can get adept tips, more rate data by age, and details from our “ Parents template to insuring an adolescent driver. ”

CarInsurance.com data show that for drivers in New York City, your rate will go up by an average of $ 906 or 52 %. If you’re convicted of a serious discourtesy, such as DUI or heedless force, you may be required to have your insurance company file an SR-22 human body on your behalf. An SR-22 is a car indemnity company’s undertaking to submit that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase .

New York City Traffic Deaths and Injuries

traffic deaths in New York City have fallen by a third, overall, since 2013, according to the city. here is a breakdown of dealings fatalities and injuries in NYC since 2017, according to data provided by Vision Zero NYC. 2017:

  • Total fatalities: 224
  • Total injuries: 59,211
  • Vehicle fatalities: 92
  • Vehicle injuries: 44,107
  • Bicycle fatalities: 24
  • Bicycle injuries: 4,411
  • Pedestrian fatalities: 108
  • Pedestrian injuries: 10,693

2018:

  • Total fatalities: 204
  • Total injuries: 60,816
  • Vehicle fatalities: 79
  • Vehicle injuries: 45,754
  • Bicycle fatalities: 10
  • Bicycle injuries: 4,306
  • Pedestrian fatalities: 115
  • Pedestrian injuries: 10,756

2019:

  • Total fatalities: 221
  • Total injuries: 60,510
  • Vehicle fatalities: 69
  • Vehicle injuries: 46,046
  • Bicycle fatalities: 28
  • Bicycle injuries: 4,223
  • Pedestrian fatalities: 124
  • Pedestrian injuries: 10,241

Hit and Run: Leaving the Scene

According to a report from the NYPD, in 2019, there were 492 reported reaches and runs that year. Of those, 59 resulted in personal injury. A full of eight arrests were made in connection with these reported hits and runs.

Pedestrian Deaths in the Country’s “Most Walkable City”

New York is considered a “ very walkable city ” where “ most errands can be done on metrical foot. ” Walk Score rates any address in the United States, giving it a “ walkability score, ” which determines how walkable a detail street, intersection or city may be.

With a population of 8.1 million, NYC, scores on lead in the “ walkability ” class, coming in the irregular most walkable big city in the U.S., with a “ walk score ” of 88. It gets an identical high passage score of 84 and a bicycle seduce of 70. While it may be highly walkable, the city faces pedestrian-related crash fatalities and injuries. It does’ t, however, social station as high as one might imagine the Big Apple would fare in pedestrian fatalities and injuries. between 2008 and 2017, drivers struck and killed 49,340 people who were walking on streets in the US. That ’ sulfur more than 13 people per day, or one person every hour and 46 minutes. There were 3,210 pedestrian deaths between 2008 and 2017 in the New York-Newark-Jersey City metro area. The metro region is ranked as the number 93 most dangerous metro area in the state for pedestrians, according to a 2019 report called “ Dangerous By Design “ from Smart Growth America. According to city data, there were 148 pedestrian deaths in New York City and 10,789 injuries in 2016, followed by 108 deaths and 10,693 injuries in 2017. In 2018, the city saw 115 pedestrians killed in dealings crashes and 10,756 hurt. There were 124 pedestrian deaths and 10,241 injured in traffic crashes in 2019. As of Feb. 27, 2020, New York had sustained 12 pedestrian traffic fatalities and 842 had been injured. The city reports that pedestrian traffic deaths in New York have fallen, overall, 2014 by 27%.

NYC Commuters

According to the U.S. Census, the average repel time for New York, workers 16 and older to their job is 41.2 minutes. That ’ is second signally higher than the national average of 27.1 minutes ( the 2018 average ). The beggarly time calculated by the Census ( based on figures from 2014-2018 ) includes time exhausted waiting for a public fare, picking up passengers in carpools, and other activities related to getting to work. Numbers compiled by Data USA showed that a whack 7.95 % of the workforce in New York City are “ superintendent commuters, ” meaning they drive a surfeit of 90 minutes to their subcontract. Data USA found that the average drive clock time for D.C. commuters in 2018 was 40.1 minutes, similar to Census findings. Here’s how those New York commuters get to work:

  • Public Transit: 55.9%
  • Drive alone: 22.5%
  • Walk: 9.6%

The share of commuters using public transit in New York is markedly higher than most early metropolitan areas, even out-riding public transportation-heavy areas, such as San Francisco, which is 35.5 % of commuters. The share of Big Apple workers who walk to their jobs is significantly higher than other cities, excessively.

A City of Walkers and Riders: vehicle Ownership in NYC

Compared nationally, New York, households are under the national average rate for car possession, which is roughly two per family. The largest share of households in NYC has no car, followed by one car, according to recent statistics from Data USA. The 2018 results showed that about 15 % of New York family has two cars, and less than 1 % has five cars. A Census sketch in 2016 showed that there were estimated to be 1.8 vehicles available per family countrywide. The study showed, in NYC:

  • 2015 households without vehicles: 54.5%
  • 2016 households without vehicles: 54.4%
  • 2015 vehicles per household: 0.63
  • 2016 vehicles per household: 0.63

On this number, NYC ranked as the city in which the largest percentage had no cars. Following it was Newark City, NJ, Newark, NJ, and Washington, D.C. Temecula, CA, on the other hand, had only 1 % of households without at least one car.

Most Dangerous Intersections in NYC

Analyzing collision data from 2013 to 2018 provided by the NYC Police Department, WRSH Attorneys at Law compiled lists of the most dangerous intersections for pedestrians and for drivers. Worst intersections for pedestrians:

  • Ludlow and Rivington Street, Manhattan: seven injured pedestrians, four injured bicyclists
  • South Third and Havemeyer Street, Brooklyn: four injured pedestrians, seven injured bicyclists
  • East 168th and College Avenue, The Bronx: five injured pedestrians, three injured bicyclists
  • Field Place and Creston Avenue, The Bronx: seven injured pedestrians
  • 37th & 101st Street, Queens: six injured pedestrians, one injured bicyclist

Worst intersections for drivers:

  • Flatbush and Tillery, Brooklyn — annual collision rate: 181.6
  • 2nd and 59th, Manhattan — annual collision rate: 146.5
  • 42nd and 8th, Manhattan — annual collision rate: 141.2
  • Pennsylvania Avenue and Atlantic Ave., Brooklyn — annual collision rate: 134.4
  • Pennsylvania Avenue and Linden Avenue, Brooklyn — annual collision rate: 129.5
  • Bowery and Kenmare Street, Manhattan — annual collision rate: 114.3

Unnecessary “Horn-Honking” is Illegal in NYC

The “ do n’t honk ” signs around the city were removed in 2013. however, there still is an “ unnecessary honk ” law on the books for New York City. The law states you could incur a $ 350 for laying on the french horn excessively much. It ‘s the “ Assembly Bill A479, ” and it reads : “ Authorizes N.Y. city to impose indebtedness upon the registered owner of a drive vehicle engaged in excessive horn-honking. ”

NYC Congestion

Most will tell you not to even bother trying to drive in NYC, as TripSavvy points out in its tips for driving in the city. The bustle city came in fourth on the 2018 annual reputation compiled by INRIX on the “ most clog urban areas in the U.S. “ list and landed at issue 40 in the “ universe ‘s most clog cities for the 2018 ” traffic card. Topped alone by Boston, Chicago and Washington, D.C. New York drivers lost approximately $ 1,859 each in 2018 ascribable to congestion. That leave is compared to Boston, which lost $ 2,291 on average. According to the discipline, NYC drivers spend 133 hours stuck in traffic per year, and crawl at an average of 9 miles per hour during that concluding inner-city mile of travel. besides, GPS giant TomTom released an annual traffic index, which the most congested cities by country, continent and the world. With a 37 % congestion degree, New York earned the numeral four spot in North America ( number three in the United States ) in a 2019 tilt that was topped by Mexico City, Los Angeles and Vancouver. The city’s congestion flush went up 1 % from the previous class. NYC ranked as the number 52 most traffic-congested by universe’s standards on the TomTom list. Jan. 20 saw the least amount of dealings in 2019 in New York City, with 11 percent average casual congestion, and Oct. 3 had the most, at 59 percent.

DUIs in New York City

Using data compiled from 2013-2017, County Health Rankings found that of the 198 New York City driving deaths during that time of menstruation, 17 of those fatal crashes were alcohol-impaired. That’s 9 % of the black crashes in that clock time period.

Distracted Driver Law

According to the National Highway Traffic Safety Administration, there were a total of six fatalities in which distracted drive was a component between 2014 and 2018 in New York City. Under New York State jurisprudence, you can not use a hand-held mobile telephone or portable electronic device while you drive. illegal activity includes holding a portable electronic device and

  • Talking on a handheld mobile telephone
  • Composing, sending, reading, accessing, browsing, transmitting, saving, or retrieving electronic data such as e-mail, text messages or webpages
  • Viewing, taking, or transmitting images
  • Playing games

If you use a portable electronic device while you drive ( except to call 911 or to contact medical, fire, or patrol personnel about an emergency ), you can get a traffic slate and be capable of a fine and a surcharge.

New York City Vision Zero Initiative

In 2014, a group of national organizations adapted an action plan called Vision Zero, which was originally developed in Sweden, to establish a national strategy on highway safety referred to as Toward Zero Deaths ( TZD ).

It focuses on data-driven topics such as dependable drivers, safer passengers, safer users, enhanced aesculapian services, safer infrastructure and safe vehicles. The Big Apple was on the vanguard to jump on board the enterprise, with New York City Mayor Bill de Blasio 2014 officially committing to the national Vision Zero movement with its mission to “ eliminate by the year 2024 fatalities and unplayful injuries. ” “ A life lost is a life lost, ” wrote de Blasio in a commitment statement on Vision Zero.

“ And it is our collective province to save every life we can, be it a life taken in a violent crime or in a crash with a motor vehicle. In the first days of our administration, we made a commitment to decisively confront the epidemic of traffic fatalities and injuries on our streets. The fundamental message of Vision Zero is that death and injury on city streets are not acceptable and that we will no longer regard serious crashes as inevitable. ”

Guide to car insurance (with rates) in cities of New York

Albany $ 1,601/yearBuffalo $ 2,064/year

Syracuse $ 1,695/year

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