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Car insurance rates in New York
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- NYCM provides the cheapest liability coverage at $40 per month in New York.
- NYCM offers the cheapest rates for full coverage insurance in New York at $93 per month.
- At $132 per month, Gang Mills is the cheapest city for car insurance in New York.
Read on to learn more about car insurance price trends in New York. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in New York
For drivers looking to meet New York minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in New York
#1. NYCM: $40
#2. New York Central Mutual Fire: $44
#3. Kemper: $54
#4. Progressive: $64
#5. American Family: $65
Cheap full coverage in New York
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in New York
#1. Kemper: $93
#2. NYCM: $111
#3. American Family: $114
#4. Progressive: $115
#5. New York Central Mutual Fire: $123
Impact of traffic violations on New York auto insurance rates
In New York, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in New York may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in New York after common driving violations.
- No violation: $211
- Not-at-fault accident: $216
- Failure to wear a seat belt: $220
- Speeding 6 - 10 MPH over limit: $230
- Speeding 21 - 25 MPH over limit: $259
- DUI: $331
- Reckless driving: $298
- Driving with a suspended license: $321
- Leaving scene of an accident/hit and run: $336
Car insurance rates across New York's top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in New York
#1. Gang Mills: $132
#1. Coopers Plains: $132
#3. Corning: $133
#4. Elmira Heights: $135
#4. Pine City: $135
Cities with the most expensive average monthly premium in New York
#1. Brooklyn: $479
#2. New York City: $455
#3. St. Albans: $451
#4. South Ozone Park: $445
#5. Rosedale: $442
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