New York Car Insurance [Rates + Cheap Coverage Guide]
The average New York Car insurance rates for liability coverage are $67.04/mo. New York car insurance minimum coverage requirements are 25/50/10 for bodily injury and property damages.
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UPDATED: Oct 5, 2020
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|New York Statistics Summary||Details|
|Road Miles in New York||Vehicle Miles: 127.2 billion
Miles of Roadway: 114,365
|Vehicles||Registered Vehicles: 10.3 million
Motor Vehicle Thefts: 15,313
|Most Popular Vehicle in New York||Nissan Rogue|
|Percent of Motorists Uninsured||6.10%
State Rank: 50
|Total Driving Related Deaths||2008-2017
Speeding Fatalities: 308
Drunk Driving Fatalities: 295
|Average Annual Premiums||Liability: $804.51
Living in New York is nothing less than a dream with the best of everything right out of your doorstep, from the glamour of Broadway shows to the serenity of Central Park to the natural beauty of the Finger Lakes and the Catskills. Naturally, the state is flocked by people from all over the world making it a little daunting to drive on those famous avenues.
If you own a car in the Empire State, you would definitely need to know about the high cost of car insurance.
And, you really can’t blame the car insurance companies for charging exorbitant premiums – they need to make the ends meet and cover losses from frequent accidents and fraudulent claims.
But, if you’re careful on the road and research the car insurance market well, you can get some great quotes for car insurance as well as discounts.
Keeping the best of your interest in our mind, we are writing this in-depth guide so that you are aware of everything related to car insurance in New York.
Before diving into the guide, you can compare rates from different providers by entering your ZIP code in our FREE online tool above.
New York Car Insurance Coverage and Rates
If you have an idea about the minimum coverage requirements, available coverage options, and rates in your ZIP code, chances are you would be able to get a quote that’s suitable for your needs.
As we can see above, location, location, location is everything when it comes to determining your rates. Also, if you’re new to New York, you can choose a ZIP code to live in that would help you minimize the cost of premiums – we understand that’s not the sole criterion for choosing an apartment anywhere. However, in a city like Manhattan, it can save you thousands of dollars.
Now, let’s get into the details that matter the most.
What is the minimum car insurance in NY?
New York is a no-fault state which means that your insurance carrier would pay for the damages in an accident irrespective of who was at fault.
The financial outlay required after an accident to cover damages is paid from the Personal Injury Protection (PIP) coverage that motorists in New York have to carry with their car insurance policy.
But how do the minimum car insurance costs in New York compare with its continental neighbors? See our chart below!
We would cover the different types of auto insurance coverage that you must know about but before that let’s look at the state-mandated coverage that you are required to buy.
- Personal injury Liability Coverage: $25,000 per person with a maximum of $50,000 per accident
- Liability Coverage for Death: $50,000 per person with a maximum of $100,000 per accident
- Property Damage Liability Coverage: $10,000 per accident
- Personal Injury Protection: $50,000 per person
- Uninsured Motorists Coverage: $25,000 per person with a maximum of $50,000 per accident
What do these coverage options mean?
- Liability Coverage: Liability covers the harm you cause in an accident that might lead to expenses on account of personal injury and property damage. In New York, there’s a higher liability limit if the accident leads to death/deaths of passengers.
- No Fault or Personal Injury Protection Coverage: PIP pays for the medical expenses, lost earnings, and other reasonable expenses due to an injury to you or other passengers in the car or pedestrians irrespective of your fault.
- Uninsured Motorists Coverage: If you’re hit by a motorist who isn’t covered by insurance then your uninsured coverage would pay for the damages in that accident.
In most of the states – that follow the at-fault system – motorists aren’t required to buy PIP coverage. This might save you some money on a monthly basis, however, in the event of an accident PIP really saves your day.
As New York follows the no-fault system, motorists aren’t allowed to bring a lawsuit against the at-fault party in an accident, unless they sustain a serious injury as defined in the New York Insurance Law §5102(d).
What is considered a serious injury that would allow someone to sue the at-fault party?
- Broken Bone
- Fetus Loss
- Major Disfigurement
- Losing the ability to use a body organ permanently
If your injury falls in one of the above categories, only then you can file a suit to claim damages for your pain and suffering. Lawsuits can also be brought if the expenses of damages are more than the coverage limit.
Important Note: Since auto insurance is mandatory in New York, make sure that you continuously maintain car insurance coverage as the New York Department of Motor Vehicles uses a system, known as Insurance Information and Enforcement System (IIES), to monitor the coverage status of registered vehicles.
Forms of Financial Responsibility in New York
In case you cause an accident, you’re legally responsible to pay the damages that may arise from the aftermath. Buying insurance coverage would absolve you from any financial responsibility, as your car insurance carrier would be liable to settle the damages.
But, what if you don’t want to buy insurance coverage? You have a few alternates to car insurance coverage.
- You can keep a security deposit of $150,000 with the New York DMV
- You can also keep a surety bond that covers the minimum state coverage requirement
- Those who own 25 or more vehicles can insure themselves through a self-insurance policy along with a proof of their financial ability to pay-off damages in an accident
Although these options are available to motorists, it’s usually much easier and less expensive to buy car insurance coverage instead.
Premiums as a Percentage of Income in New York
In 2014, the full coverage annual premium was $1,327.82 while the personal disposable income was $47,446. If you do the math, New Yorkers had to spend around 2.8 percent of their income on auto insurance premiums.
You can also use our calculator to know how much you’re spending on premiums.
From 2012, the ratio of premiums to income has increased from 2.77 percent to 2.80 percent in New York. In it’s adjacent state of New Jersey, motorists had to spend around 2.76 percent of their income on premiums in 2014.
Knowing about the percentage that you would spend on premiums helps you to budget for auto insurance costs in advance.
Average Monthly Car Insurance Rates in NY (Liability, Collision, Comprehensive)
What is the average cost of car insurance in New York?
The chart above illustrates the average annual premiums that New Yorkers paid for auto insurance in 2015. For liability coverage, the average premium was $804 which is much higher than the collision and comprehensive coverage of $385 and $171, respectively.
Liability coverage pays for personal injury and property damages to the third-party when you cause an accident, while collision and comprehensive cover damages only in specific circumstances that may not lead to significant expenses.
What are Collision and Comprehensive coverage and how are those useful?
If you hit an object or another car, collision coverage kicks-in, provided you have opted for it, and your insurance carrier would pay the damages. Comprehensive coverage, on the other hand, covers damages that were caused by circumstances out of your control, such as fire, vandalism, storms, floods or any other acts of nature.
While liability coverage is a must-have legal requirement to drive in New York, collision and comprehensive coverage can also save you a lot of money if your car gets damaged while driving.
Additional Liability Coverage in New York
|Personal Injury Protection||72.66%||70.58%||72.29%|
The above table illustrates the loss ratio of insurance companies for a period of three years. The percentage shows the ratio of premiums that the insurers have settled as claims.
Let’s try to understand loss ratio with an example – If an insurer has earned $100 in premiums and the loss ratio is 76 percent, then the insurance company has paid $76 in claims settlement.
Medical payments cover medical and funeral expenses for the passengers and pedestrians from an auto accident irrespective of fault. It tends to augment the amount required for medical expenses if the accident was severe.
Though many consider medical payments as an unnecessary expense, the benefits can outweigh the expenditure if you are involved in a major crash. Nonetheless, it’s advisable to assess your personal situation before adding medical payments to your coverage.
The state law of New York requires everyone to carry uninsured motorist coverage which helps to pay damages if you’re hit by a motorist who’s uninsured or underinsured.
In New York, around 6.10 percent motorists were uninsured in 2015 as per the Insurance Information Institute. Thankfully, the percentage of uninsured motorists in New York is the second-lowest amongst all the states in America.
Still, if you’re hit by an uninsured motorist, chances of which are low in New York, your coverage would pay damages over and above what the at-fault motorist can pay, if he has any insurance at all.
Add-ons, Endorsements, and Riders in New York
What else can you buy to protect yourself from unforeseen circumstances?
Insurance companies offer many add-ons and riders which you should take a look at before buying coverage.
- Guaranteed Auto Protection (GAP)
- Personal Umbrella Policy (PUP)
- Rental Reimbursement
- Emergency Roadside Assistance
- Mechanical Breakdown Insurance
- Non-Owner Car Insurance
- Modified Car Insurance Coverage
- Classic Car Insurance
Pay-As-You-Drive or Usage-Based Insurance
Are you tired of paying a high auto premium in New York?
And, do you think that insurance companies should reward good driving behavior by way of lower premiums?
Well, if the answer to those questions is a yes, then you should look at usage-based insurance.
In usage-based insurance, also known as “pay-how-you-drive,” “pay-as-you-drive,” or “pay-as-you-go car insurance”, insurers record your driving behavior and offer discounts on premiums if you drive within the speed limit, rarely slam breaks, or have low daily mileage.
With the advent of the Internet of Things, insurance companies have started installing telematics devices in motor vehicles that keep a track of your driving pattern and relays the data to your insurer.
Interestingly, the state of New York encourages insurance carriers to explore the benefits of telematics devices for consumers and actively seeks applications from insurers to implement this new-age technology across the state.
If you want to understand usage-based insurance in detail, you can watch this quick video.
Since pay-as-you-go has gained traction in the last couple of years only, your insurance agent may not remember to mention this to you. While taking a quote, don’t forget to ask if your insurance company offers usage-based discounts.
Average Monthly Car Insurance Rates by Age & Gender in NY
|Insurance Company||Married 35-year old female Annual Rate||Married 35-year old male Annual Rate||Married 60-year old female Annual Rate||Married 60-year old male Annual Rate||Single 17-year old female Annual Rate||Single 17-year old male Annual Rate||Single 25-year old female Annual Rate||Single 25-year old male Annual Rate|
When you look at the premium rates for different age groups and gender, you would notice that for single 17-year-old males the rates are much higher than their female counterparts.
In other age groups, the rates are more or less the same for males and females. This just bolsters the fact that as you grow older, insurance companies tend to incorporate other personal factors into rate calculation and a person’s gender takes a backseat.
You can also take a look at the ranks of different insurance carriers by the premium rates.
|Company||Demographic||Average Annual Rate||Rank|
|Liberty Mutual||Single 17-year old male||$14,468.63||1|
|State Farm||Single 17-year old male||$10,504.50||2|
|Allstate||Single 17-year old male||$10,059.13||3|
|USAA||Single 17-year old male||$9,428.85||4|
|Allstate||Single 17-year old female||$9,411.78||5|
|Liberty Mutual||Single 17-year old female||$9,371.20||6|
|Travelers||Single 17-year old male||$9,050.23||7|
|Progressive||Single 17-year old male||$8,515.77||8|
|State Farm||Single 17-year old female||$8,316.70||9|
|Nationwide||Single 17-year old male||$8,143.12||10|
|USAA||Single 17-year old female||$7,919.49||11|
|Progressive||Single 17-year old female||$7,736.99||12|
|Travelers||Single 17-year old female||$7,651.80||13|
|Geico||Single 17-year old male||$5,542.24||14|
|Nationwide||Single 17-year old female||$5,431.46||15|
|Liberty Mutual||Single 25-year old male||$5,108.28||16|
|Liberty Mutual||Married 35-year old female||$4,808.02||17|
|Liberty Mutual||Married 35-year old male||$4,808.02||17|
|Liberty Mutual||Single 25-year old female||$4,808.02||17|
|Liberty Mutual||Married 60-year old female||$4,476.84||20|
|Liberty Mutual||Married 60-year old male||$4,476.84||20|
|Nationwide||Single 25-year old male||$3,859.22||22|
|Geico||Single 17-year old female||$3,737.26||23|
|Travelers||Single 25-year old male||$3,593.56||24|
|Travelers||Single 25-year old female||$3,491.99||25|
|Travelers||Married 35-year old female||$3,320.74||26|
|Travelers||Married 35-year old male||$3,298.93||27|
|State Farm||Single 25-year old male||$3,289.54||28|
|Travelers||Married 60-year old male||$3,202.94||29|
|Allstate||Married 35-year old female||$3,193.78||30|
|State Farm||Single 25-year old female||$3,126.63||31|
|Allstate||Single 25-year old male||$3,110.26||32|
|Allstate||Single 25-year old female||$3,106.83||33|
|Allstate||Married 60-year old male||$3,052.97||34|
|Travelers||Married 60-year old female||$3,020.14||35|
|Allstate||Married 60-year old female||$3,012.93||36|
|Nationwide||Married 35-year old female||$3,003.69||37|
|Nationwide||Married 35-year old male||$3,003.69||37|
|Nationwide||Single 25-year old female||$3,003.69||37|
|Allstate||Married 35-year old male||$2,980.04||40|
|Progressive||Single 25-year old female||$2,948.94||41|
|State Farm||Married 35-year old female||$2,838.51||42|
|State Farm||Married 35-year old male||$2,838.51||42|
|Nationwide||Married 60-year old female||$2,829.30||44|
|Nationwide||Married 60-year old male||$2,829.30||44|
|Progressive||Single 25-year old male||$2,816.17||46|
|USAA||Single 25-year old male||$2,782.87||47|
|USAA||Single 25-year old female||$2,515.85||48|
|State Farm||Married 60-year old female||$2,481.13||49|
|State Farm||Married 60-year old male||$2,481.13||49|
|Progressive||Married 35-year old female||$2,317.74||51|
|Progressive||Married 35-year old male||$2,134.30||52|
|USAA||Married 35-year old female||$1,961.37||53|
|USAA||Married 35-year old male||$1,928.07||54|
|Progressive||Married 60-year old male||$1,867.64||55|
|Progressive||Married 60-year old female||$1,831.64||56|
|USAA||Married 60-year old male||$1,780.28||57|
|USAA||Married 60-year old female||$1,776.70||58|
|Geico||Married 35-year old female||$1,775.96||59|
Rates by ZIP Codes in New York
This is what we were talking about at the beginning of the guide – you can check the premium rates by ZIP code and city name.
|25 Most Expensive Zip Codes in New York||City||Average Annual Rate by Zip Code||Most Expensive Company||Most Expensive Annual Rate||2nd Most Expensive Company||2nd Most Expensive Annual Rate||Cheapest Company||Cheapest Annual Rate||2nd Cheapest Company||2nd Cheapest Annual Rate|
|11225||BROOKLYN||$10,427.03||Liberty Mutual||$17,558.88||State Farm||$11,586.05||GEICO||$5,780.57||USAA||$7,853.79|
|11216||BROOKLYN||$10,399.95||Liberty Mutual||$17,558.88||State Farm||$11,586.05||GEICO||$5,780.57||Progressive||$7,438.55|
|11221||BROOKLYN||$10,399.36||Liberty Mutual||$17,558.88||State Farm||$11,617.80||GEICO||$5,780.57||Progressive||$7,402.08|
|11208||BROOKLYN||$10,105.99||Liberty Mutual||$17,558.88||State Farm||$11,613.31||GEICO||$5,780.57||Progressive||$7,844.91|
|11206||BROOKLYN||$9,964.09||Liberty Mutual||$17,558.88||State Farm||$11,642.66||GEICO||$5,780.57||Progressive||$6,585.30|
|11226||BROOKLYN||$9,920.06||Liberty Mutual||$17,558.88||State Farm||$11,144.66||GEICO||$5,300.14||Progressive||$8,159.70|
|11237||BROOKLYN||$9,602.92||Liberty Mutual||$17,558.88||State Farm||$11,621.22||GEICO||$4,510.55||Progressive||$7,437.15|
|11238||BROOKLYN||$9,569.83||Liberty Mutual||$17,558.88||State Farm||$11,586.05||GEICO||$4,187.43||Progressive||$7,438.55|
|11241||BROOKLYN||$9,410.20||Liberty Mutual||$17,558.88||State Farm||$10,797.26||GEICO||$3,457.75||Progressive||$7,489.08|
|11243||BROOKLYN||$9,410.20||Liberty Mutual||$17,558.88||State Farm||$10,797.26||GEICO||$3,457.75||Progressive||$7,489.08|
|11205||BROOKLYN||$9,370.09||Liberty Mutual||$17,558.88||State Farm||$11,180.76||GEICO||$4,510.55||Progressive||$6,126.60|
|11242||BROOKLYN||$9,364.53||Liberty Mutual||$17,558.88||State Farm||$10,797.26||GEICO||$3,457.75||Progressive||$7,489.08|
If you live in Brooklyn, your premium rates are going to be steep.
|25 Least Expensive Zip Codes in New York||City||Average Annual Rate by Zip Codes||Most Expensive Company||Most Expensive Annual Rate||2nd Most Expensive Company||2nd Most Expensive Annual Rate||Cheapest Company||Cheapest Annual Rate||2nd Cheapest Company||2nd Cheapest Annual Rate|
|14814||BIG FLATS||$2,757.47||Liberty Mutual||$3,932.34||Allstate||$3,194.85||GEICO||$1,756.70||Progressive||$2,084.94|
|14870||PAINTED POST||$2,761.36||Liberty Mutual||$3,958.87||Allstate||$3,194.85||GEICO||$1,814.79||Progressive||$2,367.49|
|14871||PINE CITY||$2,789.24||Liberty Mutual||$3,958.87||Allstate||$3,194.85||GEICO||$1,756.70||Progressive||$2,297.44|
|14816||BREESPORT||$2,873.78||Liberty Mutual||$3,932.34||State Farm||$3,505.38||GEICO||$1,756.70||Nationwide||$2,385.41|
|13612||BLACK RIVER||$2,881.46||Liberty Mutual||$4,420.81||Allstate||$3,496.52||GEICO||$1,921.00||USAA||$2,165.68|
|13606||ADAMS CENTER||$2,884.39||Liberty Mutual||$4,420.81||Allstate||$3,496.52||GEICO||$1,921.00||USAA||$2,165.68|
|13685||SACKETS HARBOR||$2,886.18||Liberty Mutual||$4,420.81||Allstate||$3,496.52||GEICO||$1,921.00||USAA||$2,165.68|
|13656||LA FARGEVILLE||$2,887.98||Liberty Mutual||$4,420.81||Allstate||$3,496.52||GEICO||$1,921.00||USAA||$2,165.68|
|13640||WELLESLEY ISLAND||$2,888.38||Liberty Mutual||$4,420.81||Allstate||$3,496.52||GEICO||$1,921.00||USAA||$2,165.68|
|13607||ALEXANDRIA BAY||$2,888.77||Liberty Mutual||$4,420.81||Allstate||$3,496.52||GEICO||$1,921.00||USAA||$2,165.68|
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Rates by Cities in New York
Surprisingly, New York, New York is not one of the most expensive cities in the state for car insurance.
|10 Most Expensive Cities in New York||Average Annual Rate by City||Most Expensive Company||Most Expensive Annual Rate||2nd Most Expensive Company||2nd Most Expensive Annual Rate||Cheapest Company||Cheapest Annual Rate||2nd Cheapest Company||2nd Cheapest Annual Rate|
|Brooklyn||$9,347.06||Liberty Mutual||$17,558.88||State Farm||$10,797.26||GEICO||$3,940.28||Progressive||$6,859.27|
|Saint Albans||$9,000.94||Liberty Mutual||$12,883.56||Travelers||$10,495.31||GEICO||$5,686.55||USAA||$7,089.23|
|Rosedale||$8,885.68||Liberty Mutual||$12,883.56||State Farm||$9,995.10||GEICO||$5,287.14||USAA||$7,089.23|
|South Ozone Park||$8,881.66||Liberty Mutual||$12,883.56||Travelers||$10,607.53||GEICO||$5,686.55||USAA||$7,089.23|
|Springfield Gardens||$8,874.63||Liberty Mutual||$12,883.56||State Farm||$9,906.69||GEICO||$5,287.14||USAA||$7,089.23|
|South Richmond Hill||$8,831.46||Liberty Mutual||$12,883.56||Travelers||$10,607.53||GEICO||$5,287.14||USAA||$7,089.23|
|Arverne||$8,802.18||Liberty Mutual||$12,883.56||State Farm||$9,799.24||GEICO||$5,287.14||USAA||$7,089.23|
|Howard Beach||$8,739.15||Liberty Mutual||$12,883.56||Travelers||$9,817.66||GEICO||$5,287.14||USAA||$7,089.23|
Brooklyn is the most expensive city. Let’s now see which cities are the cheapest.
|10 Least Expensive Cities in New York||Average Annual Rate by City||Most Expensive Company||Most Expensive Annual Rate||2nd Most Expensive Company||2nd Most Expensive Annual Rate||Cheapest Company||Cheapest Annual Rate||2nd Cheapest Company||2nd Cheapest Annual Rate|
|Big Flats||$2,757.50||Liberty Mutual||$3,932.34||Allstate||$3,194.85||GEICO||$1,756.70||Progressive||$2,070.62|
|Coopers Plains||$2,761.36||Liberty Mutual||$3,958.87||Allstate||$3,194.85||GEICO||$1,814.79||Progressive||$2,367.49|
|Pine City||$2,789.24||Liberty Mutual||$3,958.87||Allstate||$3,194.85||GEICO||$1,756.70||Progressive||$2,297.44|
|Breesport||$2,873.77||Liberty Mutual||$3,932.34||State Farm||$3,505.38||GEICO||$1,756.70||Nationwide||$2,385.41|
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Car Insurance Companies in New York
When you buy car insurance, what exactly do you expect from your insurance carrier?
Some people might say that they want their insurer to settle claims as soon as possible in the event of an accident and others would want an insurer who offers the convenience of digital interactions.
Everyone has different needs, so why buy coverage by just looking at the premium rates?
The decision to buy car insurance coverage must be a well-thought out process and involve thorough investigation of an insurer’s financial ratings, customer reviews, complaints data, market standing, etc.
For the state of New York, we have done the research for best car insurance companies that would help in making the purchase decision easy for you.
Financial Ratings of Leading Insurance Companies in New York
Financial ratings were devised to help consumers understand the long-term financial viability of companies because everyone can’t understand balance sheets like a financial analyst.
To give you an idea about the financial standing of leading insurers in New York, we would assess their A.M.Best Ratings, the leading name in financial ratings.
How to understand A.M.Best Ratings?
A.M.Best evaluates insurance companies on their financial strength and the ability to meet their insurance obligations in the future. For this purpose, the credit rating agency assigns alphabetical ratings starting from A+ to S. Any rating of A+, A, and A- falls under the category of excellent.
For your convenience, we are sharing the A.M.Best Ratings of the leading insurance companies in New York.
|Leading Insurance Companies||A.M.Best Rating|
|Allstate Insurance Group||A+|
|State Farm Group||A++|
|Liberty Mutual Group||A|
|NYCM Insurance Group||A|
|Nationwide Corp Group||A+|
|Amtrust NGH Group||A-|
Car Insurance Companies with Best Customer Reviews in New York
As consumers, you always check reviews online before buying anything, from PlayStation to mobile phones. Then, why do you rely on merely quotes to buy a car insurance policy?
Checking customer satisfaction surveys and online reviews should be a part of your car insurance buying process as it’s important to choose a reliable insurer who would respond to you instantly if you get involved in an accident.
As per a recent customer satisfaction survey by a trusted source in auto insurance ratings, J.D.Power, consumers these days are more satisfied with their car insurers despite the continuously rising premiums.
The survey found that frequent interactions with consumers through digital channels has contributed to the high satisfaction level among consumers. Cost might be the determining factor in choosing an insurer, but the continuity of impeccable service wins in the end.
Now, let’s look at which insurance carrier has bagged the most popular award from consumers in New York.
The power ratings suggest that New York Central Mutual is the most favored car insurance carrier in New York. These ratings assessed insurers on five factors; interaction, policy offerings, price, billing process & policy information, and claims.
Complaint Data of Leading Car Insurers in New York
|Leading Insurance Companies||Number of Complaints (2017)|
|Allstate Insurance Group||163|
|State Farm Group||1482|
|Liberty Mutual Group||222|
|NYCM Insurance Group||3|
|Nationwide Corp Group||25|
|Amtrust NGH Group||2|
Another data that would really help you in making a decision faster is the number of complaints against the insurance carriers. Since customer ratings are based on a sample group of customers, the complaint data offers a more realistic measure of customer satisfaction.
Rates by Insurance Carriers in New York
|Insurance Company||Average Annual Rate||Compared to State Average (+/-)||Percentage Change (+/-)|
Rates by Annual Commute in New York
|Insurance Company||Commute and Annual Mileage||Average Annual Rate|
|Liberty Mutual||25 miles commute. 12000 annual mileage.||$6,726.83|
|Liberty Mutual||10 miles commute. 6000 annual mileage.||$6,354.63|
|Allstate||25 miles commute. 12000 annual mileage.||$4,806.77|
|Allstate||10 miles commute. 6000 annual mileage.||$4,675.15|
|Travelers||25 miles commute. 12000 annual mileage.||$4,578.79|
|Travelers||10 miles commute. 6000 annual mileage.||$4,578.79|
|State Farm||25 miles commute. 12000 annual mileage.||$4,646.86|
|State Farm||10 miles commute. 6000 annual mileage.||$4,322.30|
|Nationwide||25 miles commute. 12000 annual mileage.||$4,012.93|
|Nationwide||10 miles commute. 6000 annual mileage.||$4,012.93|
|Progressive||25 miles commute. 12000 annual mileage.||$3,771.15|
|Progressive||10 miles commute. 6000 annual mileage.||$3,771.15|
|USAA||25 miles commute. 12000 annual mileage.||$3,799.64|
|USAA||10 miles commute. 6000 annual mileage.||$3,723.73|
|Geico||25 miles commute. 12000 annual mileage.||$2,498.03|
|Geico||10 miles commute. 6000 annual mileage.||$2,358.45|
If your daily commute is around 10 miles, then you might get discounts on your premium rates. As you can see in the table, there are a few insurance carriers who offer a lower rate for low mileage.
Annual mileage is among the more minor factors that affect your rates.
Rates by Coverage Levels in New York
|Insurance Company||Coverage Type||Average Annual Rate|
Rates by Credit History in New York
|Insurance Company||Credit History||Average Annual Rate|
Credit history has a major impact on your premium rates. A poor credit rating means an inability to meet your premium payment obligations, hence, insurers penalize you with higher premiums to cover any future losses.
Rates by Driving History in New York
|Insurance Company||Driving Record||Average Annual Rate|
|Liberty Mutual||With 1 DUI||$10,569.55|
|Liberty Mutual||With 1 speeding violation||$5,197.79|
|Liberty Mutual||With 1 accident||$5,197.79|
|Liberty Mutual||Clean record||$5,197.79|
|Nationwide||With 1 DUI||$6,853.01|
|Nationwide||With 1 speeding violation||$3,113.84|
|Nationwide||With 1 accident||$3,042.44|
|Allstate||With 1 DUI||$5,884.41|
|Allstate||With 1 speeding violation||$5,070.67|
|Allstate||With 1 accident||$4,004.39|
|Travelers||With 1 DUI||$4,964.33|
|Travelers||With 1 speeding violation||$4,552.21|
|Travelers||With 1 accident||$4,896.91|
|State Farm||With 1 DUI||$4,701.32|
|State Farm||With 1 speeding violation||$4,701.32|
|State Farm||With 1 accident||$4,267.85|
|State Farm||Clean record||$4,267.85|
|Progressive||With 1 DUI||$4,066.27|
|Progressive||With 1 speeding violation||$3,688.99|
|Progressive||With 1 accident||$3,664.67|
|USAA||With 1 DUI||$4,893.09|
|USAA||With 1 speeding violation||$3,402.69|
|USAA||With 1 accident||$3,402.69|
|Geico||With 1 DUI||$3,860.07|
|Geico||With 1 speeding violation||$1,894.00|
|Geico||With 1 accident||$2,064.88|
If you have a driving under the influence (of alcohol) record on your license, insurance companies would charge a comparatively higher premium from you.
Any record of DUI is taken more seriously than speeding violations and accidents due to the reckless nature of drunk driving. Most of the insurance carriers levy a much higher rate for such carelessness.
Leading Insurance Carriers in New York
Now that you have a fair idea about insurance carriers and their rates in different categories, let’s see which companies have the largest market share in New York.
|Insurance Company||Direct Written Premiums||Market Share|
|Allstate Insurance Group||$1,843,730||13.90%|
|State Farm Group||$1,758,370||13.26%|
|Liberty Mutual Group||$731,396||5.52%|
|NYCM Insurance Group||$327,366||2.47%|
|Nationwide Corp Group||$302,854||2.28%|
|Amtrust NGH Group||$291,750||2.20%|
Number of Insurance Carriers in New York
|Type of Insurer||Number|
State Laws in New York
Without laws in place, it would be difficult for law enforcement officers to manage traffic on roads or for the Department of Motor Vehicles to issue driving licenses.
Knowing about coverage and the best insurance carriers would help you in making the right buying decision, but it’s really important to be safe on the road. Also, if you follow the law, you would rarely get involved in accidents or speeding violations, which in turn would keep your premium rates low.
Let’s look at the laws that govern driving on the roads.
Car Insurance Laws in New York
Without car insurance laws, the oversight of insurance carriers wouldn’t be possible which would lead to unfair practices in the market.
Car insurance laws not only help consumers by reducing the overall cost they might have to bear if involved in an accident but also provide a framework to operate in for insurance carriers.
Windshield Coverage Laws in New York
Cracked or chipped windshields can be hazardous to driving as it blocks visibility and may shatter if gets hit by loose gravel or other objects. The state law of New York strictly prohibits driving with a cracked windshield that distorts visibility.
To replace a windshield, automobile owners can get an aftermarket part that is similar in quality and finish.
High-Risk Drivers in New York
If you have multiple records of speeding violations and accidents to your credit, there’s a high probability that your coverage application would be rejected by most of the insurers in New York.
Why high-risk drivers can’t get coverage in the voluntary insurance market?
Insurance carriers collect premiums from all motorists to make a pool from which they settle claims whenever there’s an accident. Through this process, insurers aim to gain from the remaining premiums after paying-off claims.
If a driver tends to get involved in accidents time and again, insurers might have to bear losses on account of frequent claims settlements. As a result, they refuse coverage to those who are high-risk drivers.
How can high-risk drivers obtain coverage?
Driving without auto insurance is illegal in New York, hence every motorist must obtain coverage. The state of New York offers an auto plan, known as the New York Automobile Insurance Plan (NYAIP), to offer coverage to high-risk drivers.
Who offers coverage to the high-risk drivers?
You must be wondering who exactly offers coverage to these high-risk drivers who accumulate losses for insurers? Every insurer who is licensed to operate in New York has to offer coverage to a certain percentage of high-risk drivers directly proportionate to its market share.
Motorsists enrolled in the NYAIP are randomly distributed among different insurers based on a pre-decided quota. Needless to say, these motorists are required to pay a significantly high premium.
Automobile Insurance Fraud in New York
Auto insurance frauds increase the premiums of New Yorkers by millions of dollars every year as it’s an enormous problem in the state.
There are two sides to auto insurance fraud – one where the motorists furnish incorrect information knowingly to gain from the claim settlement amount and the other wherein medical providers pad costs to earn from procedures that were not performed.
A 2011 study by the Insurance Research Council found that fraud is extremely prevalent in the New York city area. From 2007 to 2010, there was a significant rise in cases where medical providers inflated the expenses on procedures performed in auto accident cases.
The auto insurance system of New York is massive with 300 auto insurers vying for their share in the state’s $10 billion in premiums. Touted as the fourth largest system in America, the state has around nine million insured motor vehicles.
With such a large system in place, the state has witnessed many fraudulent medical practitioners and attorneys who work together to defraud the auto insurance companies.
On the other side of the spectrum, motorists also participate in raising premiums for everyone by making fraudulent claims. Misrepresentation of facts on insurance applications, staging an accident, and inflating insurance claims are some of the unfair practices prevalent in the state.
Penalties: Motorists who are caught by the state committing insurance fraud are penalized through fines and prison time varying in degree depending on the severity of the crime committed.
Statute of Limitations for Car Accidents in New York
The statute of limitations restricts the time period until which you can bring a lawsuit against the at-fault party after an accident.
In New York, if you are unable to bring a lawsuit within a period of three years from the crash, most probably your case would be rejected by the court system, unless some rare circumstance allows the extension of your deadline.
Vehicle Licensing Laws in New York
Is your driver’s license Real ID compliant? Do you know what’s the minimum age to get a learner’s permit in New York? Does the state of New York allow license renewals online?
Every state has different laws for licensing, so whether you’re new to New York or a long-time resident – you must know about the licensing laws in your state.
Real ID Compliance in New York
The Real ID Act was established as a security measure and governs the issuance of driver’s licenses and other identification cards in compliance with the law’s minimum standards.
If your license is Real ID compliant, you would be allowed entry into Federal facilities, nuclear power plants, and commercial aircraft by showing your driver’s license. New York is a Real ID compliant state.
Motorists in New York can get three types of driver’s license – Standard, Enhanced, and Real ID.
Important Note: Your standard license wouldn’t be accepted as proof of identification for travel by air or entry into federal buildings after October 1, 2020. If you wish to use your driver’s license for those purposes after the above-mentioned date, you would have to apply for a Real ID compliant license.
In case you want to know more about Real ID, you can watch this short video on the matter.
Penalties for Driving without Insurance in New York
In New York, owning a motor vehicle without insurance is undoubtedly unsafe, and it can lead to hefty fines along with license revocation.
The fines for driving without insurance could be up to $1,500 along with the possibility of jail time for 15 days. Also, your license would be immediately revoked for a year.
That’s not it though. At the end of your license suspension period, you would be required to pay $750 to the DMV for the restoration of your license.
What if there’s a lapse in insurance?
If you don’t plan to buy insurance because you wouldn’t drive in the near future, you should cancel your vehicle registration and surrender your number plates. At no point in time, you are allowed to keep a registered vehicle without insurance coverage.
If you’re caught driving without insurance – your vehicle could be impounded, you could be arrested, and your license & registration would be revoked by the DMV.
Proof of Auto Insurance: Insurance ID cards are accepted in both paper and electronic forms as proof of insurance in New York and can be presented when asked my DMV during vehicle registration, by police at a traffic stop, or by a judge during summons.
Teen Driver Laws in New York
We know how restless you get when your teenaged children start driving – their inexperience makes you fidgety.
Inculcating good driving habits from the beginning is vital for everyone’s safety on the roads and that’s why you should lead by example.
Don’t be that parent who looks at their mobile phone while driving!
Most of the crashes where a teenager is involved, the chief reasons for accident are speeding, distracted driving, failure to yield, inexperience, and not maintaing enough distance from vehicles.
As parents, you should ensure that your children understand the importance of safe driving. Please refer to the Parent’s Guide to Teen Driving by the NY DMV to prepare better.
Monitor your Teen Driver (TEENS): The DMV offers The Teen Electronic Event Notification Service (TEENS) in which parents receive electronic notifications when a specific event – tickets, traffic violations, license suspensions – is added to the driving record of their children.
If you feel that your kid’s driving behavior is unsafe, you can withdraw their driving privileges by submitting a withdrawal of consent form to the DMV.
Now, we would look at the licensing restrictions for teenagers.
Learner’s Permit: At age 16, teens can apply for a learner’s permit and start driving by passing a vision and knowledge test. You can find the nearest DMV location to write the test and prepare by studying the DMV’ Driver Manual and taking practice tests.
Teens with a learner’s permit must abide by certain restrictions to ensure the safety of everyone.
- You’re allowed to drive a vehicle only with a supervising adult who’s 21 or older and has a valid license.
- You aren’t allowed to drive on the following roads in New York:
- Streets that are inside a park in New York City.
- Bridges or tunnels under the jurisdiction of Triborough Bridge and Tunnel Authority.
- Parkways in Westchester County – Hutchinson River Parkway, Cross County Parkway, Saw Mill River Parkway, and Taconic State Parkway.
- There are certain restrictions on nighttime driving as well that vary across the three different regions i.e. New York City, Long Island, and Upstate New York.
Junior License: If a teen driver has successfully completed six months, he/she is eligible to get a junior license by passing the road test. The teen must have completed supervised driving of 50 hours with nighttime driving of 15 hours under the learner’s permit.
Keeping in mind the safety of everyone, junior license holders have to abide by certain restrictions.
- New York City restrictions: Under any circumstance, if you hold a junior license, you aren’t allowed to drive in New York City.
- Upstate New York restrictions: Driving with a junior license is allowed in Upstate New York, but you may not drive with any passengers under 21 unless they are family members. Between 9 PM to 5 AM, you can only drive between your home to school and place of work.
- Long Island restrictions: To drive in the Suffolk and Nassau counties, you need to be under the supervision of either a parent or guardian or driving school instructor or someone authorized by your parents. Without a supervising adult, you’re allowed to drive between your home and a few places authorized by the state.
Unrestricted License: Those who complete a driver’s education without any record can apply for an unrestricted license at the age of 17.
License Renewal Procedure in New York
In New York, motorists are required to renew their license every eight years. Renewals by mail and online renewals are permitted for everyone irrespective of age.
Important Note: If you renew your New York standard license online, your new license will not be Real ID compliant and show “not for federal purposes”. After October 2020, this standard license wouldn’t be accepted in federal buildings or for domestic travel by commercial flights.
Rules of the Road in New York
If you don’t follow the rules while driving, you would get a ticket in New York instantly.
Especially in New York City, you must strictly follow the speed limits, car seat laws, move over laws, etc. to avoid getting stopped by the police.
Fault vs No-Fault
New York is amongst the twelve states in the US which follow the no-fault system allowing motorists to file claims with their own insurance company in the event of an accident irrespective of fault.
To overcome the inefficiencies and delay in claim settlement under the fault system, New York adopted the no fault system in the 1970s which aimed to expedite the process of claims settlement after a crash.
Seat Belt and Car Seat Laws in New York
In New York, front seat passengers are required to wear seat belts. Children under 16 must wear seat belts irrespective of their position in the car and those who are under four must be put inside a child restraint system.
The child safety seats and restraint system must comply with the Federal Motor Vehicles Safety Standard 213. If you aren’t sure about the fitting of child seat, you can visit one of the child safety seat inspection sites in New York.
How to choose the correct child safety seat?
The state of New York recommends motorists to carefully assess the dimensions and weight capacity for car seats available in the market and select one that’s suitable for their children.
There are certain basic rules to follow for child safety seats:
- All children below the age of eight must be put inside a child restraint system
- The restraint system should meet the weight and height requirements as per the Federal standards
- The car safety seat cannot be placed in the front seat
- The restraint system can mean a harness, booster seat, or child seat that is attached to the car seat
Keep Right and Move Over Laws in New York
If you’re going slower than the normal traffic speed, the law in New York states that you should move to the right lane unless you’re taking a left turn or passing traffic.
While driving if you notice an authorized emergency stationary vehicle with flashing lights, you should move further from the vehicle to the next lane if it’s safe to do so.
Speed Limits in New York
|Type of Road||Speed Limit|
|Freeways and Interstates||65 mph|
|Default Speed Limit||55 mph|
|Divided Roads||45 mph|
|Residential Areas||25-45 mph|
|Slow Zones in NYC||20 mph|
|School Zones||15-30 mph|
The table illustrates the speed limits across New York, but it’s recommended to be careful and look for posted limits while driving, especially in the NYC area.
Ridesharing Laws in New York
Ridesharing companies, technically known as Transportation Network Companies (TNC), work on a contractual basis with their drivers, wherein the drivers aren’t direct employees of these companies.
Since the TNC doesn’t own the vehicles being operated by the drivers which means they can’t be held responsible for accidents, the state government has mandated TNC’ to cover the drivers under a group policy.
The statutory limit which requires TNC’ to offer coverage includes:
- When the ridesharing driver is online or waiting for a pick-up request: Coverage limits for personal injury liability are $50,000 per person/$100,000 per accident, along with property damage liability of $25,000. The coverage also includes PIP of $50,000 and uninsured/underinsured (UM/UIM) coverage of $25,000/$50,000.
- When the driver is riding to pick a person/during the ride: Drivers are covered by liability and UM/UIM coverage of $1.25 million each and PIP coverage of $50,000.
Automation on the Road in New York
As per a Gallup poll, around 59 percent of Americans have shown their discomfort towards self-driving cars although people like autonomus features such as self-parking, emergency braking, and lane change assistance.
The state of New York allows testing of autonomous vehicles though there have been obstacles in the adoption of this emerging technology. The law requires a licensed driver to be behind the wheels when an autonomous vehicle is being tested which should have insurance coverage of $5 million.
Safety Laws in New York
The reason behind most of the accidents is distracted driving or driving under the influence of alcohol and other substances. Naturally, there are strict laws to curb such behavior.
DUI Laws in New York
If you’re caught drinking and driving in New York, you could lose your driving privileges and face substantial fines along with jail time.
Driving While Intoxicated (DWI): Motorists driving with a Blood Alcohol Content (BAC) of .08 or more can be booked for a DWI violation. Commercial drivers are in violation of the law if their BAC is .04 or more.
Zero Tolerance Law: If you’re under 21, a BAC level between .02 and .07 falls under the purview of DWI violation.
Let’s look at the consequences of a DWI violation.
|Offense||Mandatory Fine||Maximum Prison Term||Mandatory Driver's License Suspension|
|First DWI||$500 - $1,000||1 year||Revocation for a minimum of six months|
|Second DWI within 10 years||$1,000 - $5,000||4 years||Revocation for a minimum of one year|
|Third DWI within 10 years||$2,000 - $10,000||7 years||Revocation for a minimum of one year|
Distracted Driving Laws in New York
Under the state laws of New York, the use of hand-held mobile devices for texting and calling are banned for everyone.
The fines for violation can range from $50 to $450 depending on the number of offenses you commit. In addition, the violation would add five points to your record.
While driving, you should refrain from using cell phones as it can lead to disastrous accidents.
Road Dangers in New York
We are sure that you’re updated about all the state laws in New York with respect to driving and car insurance by now.
Let’s face some facts and figures that would tell you about the reasons behind accidents, fatality rates, vehicle theft data, and much more.
Vehicle Theft in New York
|Make and Model||Most Stolen Model Year||Number of Vehicles Stolen|
|Ford Econoline E350||2011||339|
|Jeep Cherokee/Grand Cherokee||2015||263|
Vehicle Theft by City in New York
|Addison Town and Village||1|
|Ballston Spa Village||0|
|Blooming Grove Town||7|
|Briarcliff Manor Village||0|
|Camillus Town and Village||5|
|Cape Vincent Village||0|
|Cayuga Heights Village||0|
|Central Square Village||2|
|Dobbs Ferry Village||2|
|East Aurora-Aurora Town||2|
|East Fishkill Town||6|
|East Greenbush Town||7|
|East Hampton Town||7|
|East Hampton Village||2|
|East Rochester Village||3|
|East Syracuse Village||7|
|Elmira Heights Village||2|
|Floral Park Village||12|
|Fort Plain Village||2|
|Garden City Village||10|
|Glen Park Village||0|
|Great Neck Estates Village||2|
|Green Island Village||4|
|Greenwood Lake Village||2|
|Highland Falls Village||0|
|Hoosick Falls Village||2|
|Hudson Falls Village||0|
|Huntington Bay Village||1|
|Hyde Park Town||5|
|Johnson City Village||10|
|Kings Point Village||1|
|Lake Placid Village||2|
|Lake Success Village||1|
|Le Roy Village||0|
|Lewiston Town and Village||8|
|Lloyd Harbor Village||0|
|Macedon Town and Village||2|
|Mount Hope Town||1|
|Mount Kisco Village||0|
|Mount Morris Village||1|
|Mount Pleasant Town||3|
|New Berlin Town||0|
|New Castle Town||2|
|New Hartford Town and Village||4|
|New Paltz Town and Village||4|
|New Windsor Town||12|
|New York Mills Village||1|
|North Castle Town||3|
|North Greenbush Town||2|
|North Syracuse Village||3|
|Old Brookville Village||10|
|Old Westbury Village||4|
|Orchard Park Town||12|
|Oyster Bay Cove Village||0|
|Painted Post Village||2|
|Pelham Manor Village||3|
|Penn Yan Village||1|
|Pine Plains Town||2|
|Port Byron Village||0|
|Port Chester Village||22|
|Port Dickinson Village||0|
|Pound Ridge Town||0|
|Red Hook Village||0|
|Rockville Centre Village||18|
|Rye Brook Village||2|
|Sag Harbor Village||1|
|Sands Point Village||1|
|Saranac Lake Village||5|
|Seneca Falls Town||5|
|Shelter Island Town||0|
|Sleepy Hollow Village||2|
|South Glens Falls Village||2|
|Spring Valley Village||16|
|St. Johnsville Village||0|
|Stony Point Town||6|
|Tupper Lake Village||2|
|Tuxedo Park Village||0|
|Waterford Town and Village||1|
|Watkins Glen Village||2|
|Webster Town and Village||7|
|Westhampton Beach Village||3|
|West Seneca Town||20|
Fatal Crashes by Weather Condition in New York
|Weather Condition||Daylight||Dark, but Lighted||Dark||Dawn or Dusk||Other / Unknown||Total|
Fatalities by County in New York
|New York County||45||39||28||48||38|
|St. Lawrence County||16||9||11||10||10|
Traffic Fatalities by Road Type in New York
|Type of Road||2008||2009||2010||2011||2012||2013||2014||2015||2016||2017|
Fatalities by Person Type in New York
|Light Truck - Pickup||59||49||49||70||47|
|Light Truck - Utility||93||90||113||91||119|
|Light Truck - Van||41||26||41||33||33|
|Light Truck - Other||0||0||1||0||1|
|Bicyclist and Other Cyclist||40||46||36||39||46|
Fatalities by Crash Type in New York
|Total Fatalities (All Crashes)||1,202||1,041||1,136||1,041||999|
|Involving a Large Truck||118||98||126||106||121|
|Involving a Rollover||160||144||160||144||127|
|Involving a Roadway Departure||580||509||513||471||450|
|Involving an Intersection (or Intersection Related)||467||377||419||385||373|
Fatalities Trend for the Top 10 Counties in New York
|Top Counties in New York (2017)||2013||2014||2015||2016||2017|
|New York County||45||39||28||48||38|
|Top Ten Counties||692||595||639||594||549|
|All Other Counties||510||446||497||447||450|
Fatalities Involving Speeding by County in New York
|New York County||6||6||6||1||6|
|St. Lawrence County||7||4||2||2||3|
Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County in New York
|New York County||9||8||5||8||10|
|St. Lawrence County||7||3||4||2||4|
Teen Drinking and Driving in New York
In New York, there were 113 arrests for underage drinking and driving during 2016.
The national average for alcohol-impaired driving fatalities is 1.2 deaths per 100,000 people whereas New York witnessed only 0.6 deaths per 100,000 people in 2016.
EMS Response Time in New York
|Road Type||Time of Crash to EMS|
|EMS Notification to|
|EMS Arrival at Scene|
to Hospital Arrival
|Time of Crash to Hospital
Transportation in New York
Traffic congestions on road bother everyone, especially the never-ending jams to commute to work in Manhattan.
The number of vehicles owned by each household and the commuting preferences of residents adds to the woes of everyday commuters. Let’s see what New Yorkers prefer for transportation.
Car Ownership in New York
The dark orange bars in the chart above illustrate the car ownership preferences of New Yorkers. Most of the residents have two cars echoing the sentiments across the country as shown by the grey bars.
Commute Time in New York
Officer goers in New York have a longer commute to work than the national average of 25.5 minutes. It takes New Yorkers 32.2 minutes to reach to work.
Commuter Transportation in New York
The most common mode of commuting is driving alone to work in New York, followed by a small percentage of people who carpool and walk to work.
Traffic Congestion in New York
As per data analysis by the reputed firm, Inrix, New York City is the 40th most congested city around the world and 4th most congested in the US. Motorists spent around 133 minutes in traffic jams during 2018 in the famous city.
In Upstate New York, the traffic in Buffalo makes it the 29th most congested city in the US where drivers spent around 72 minutes stuck in traffic.
We know that was a lot of information to download, but it would really help you in getting better quotes on car insurance. Start comparison shopping today using our FREE online tool. Enter your ZIP code below to get started.