Compare Car Insurance Quotes In The Great State of New York

On average, your neighbors pay $100 a month.

See Your Rates
Fast, Free Quotes from Top Companies in Your State
The Great State of New York
Local Insurance Information
  • Bronx
  • Brooklyn
  • New York
  • Mount Vernon

Compare Car Insurance Quotes in New York to Get the Cheapest Rates

Compare Car Insurance Quotes in New York to Get the Cheapest Rates

Start spreading the news! This is the best site to learn about car insurance in New York.

This page will show you which types of coverage are legally required in New York, provide information about the cost of driving including average rates, and share some insights about insurance risk to help you protect yourself and your family.

Average New York Car Insurance Rates

How much is car insurance coverage in New York State? Drivers shouldn't be surprised to hear car insurance costs more there than it does in many other parts of the US. Average insurance rates in New York are a much higher than the national average. Prices vary depending on your driving record, zip code, and coverage.

The average cost of auto insurance in New York is $1,205.03 per year. The national average annual cost is $866.31.

New York Average Annual Car Insurance Rates
Coverage Rates
Liability $796.39
Collision $366.36
Comprehensive $165.07
Total Cost Per Year $1,205.03
Price Per Month $100.42

Compare Car Insurance Quotes in New York Car

Finding a dependable auto insurance provider in New York is important these days. But how do you determine which one is right for you?

One way is to compare rates from a number of different car insurance companies. Let QuoteWizard help you do that. We’ll get you all the info you need, and connect you to a handful of agents, so you can find a policy that you, your vehicle, and your wallet will love.

Last year, 119,963 people used QuoteWizard to get an auto insurance quotes comparison in New York from top companies and find the cheapest rates.

New York State Auto Insurance Laws

Car Insurance Minimum Coverage

If you drive a vehicle registered in New York, you must maintain a minimum level of insurance coverage of 25/50/10. This means that you must have a policy with at least the following:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $10,000 of coverage for property damage liability per incident
  • $25,000 of uninsured motorist bodily injury coverage per person
  • $50,000 of uninsured motorist bodily injury coverage per incident
  • $50,000 of coverage for Personal Injury Protection

New York is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their own insurance companies, regardless of whether the other party is insured. Liability coverage helps pay for other peoples’ medical and repair bills if you cause a car accident. Personal Injury Protection (PIP) coverage pays for your medical expenses after an accident, regardless of who was at fault.

New York drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
Click Here

Required Proof of Car Insurance

Any time you drive in New York, you must be prepared to show your car insurance identification card to law enforcement upon request. You'll get this identification card from your car insurance company when you buy a policy. The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • 3-digit code of your insurance company
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver.

Penalties

Driving without insurance in New York is a traffic infraction that carries a civil penalty of $150 to $1500 (depending on the severity) and/or jail time of up to 15 days.

SR-22 Requirements

New York is one of the few states that doesn't require drivers to file an SR-22 to prove that they have legally adequate car insurance. If, however, you have an SR-22 from another state, you must maintain it as long as that state requires it.

Top 10 Vehicles in New York

These are the 10 vehicles owned by New York drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Honda Accord EX/LX
  2. Ford F150
  3. Honda Civic EX
  4. Hyundai Sonata GLS
  5. Nissan Altima 2.5 S
  6. Honda CR-V EX
  7. Jeep Grand Cherokee Laredo
  8. Toyota Camry LE/XLE/SE
  9. Acura MDX
  10. Toyota RAV4
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Top 10 Car Insurance Companies in New York

This is our list of the 10 most common car insurance companies reported by QuoteWizard users living in the state of New York last year. Out of the 119,963 New York drivers that used QuoteWizard to request insurance quotes last year, 11,791 had no car insurance.

  1. Geico
  2. Allstate Insurance Co.
  3. Progressive Casualty
  4. Liberty Mutual
  5. Nationwide
  6. AIG
  7. Esurance
  8. MetLife
  9. 21st Century Insurance
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

State of New York Traffic Safety Laws

Distracted Driving Laws

New York prohibits drivers from using hand-held cell phones while driving. It's also against the law to send or receive text messages while driving.

In 2014, New York Police reported the following vehicle crashes involving distracted drivers:

Source: New York State DMV Motor Vehicle Crashes 2014 Statewide Statistical Summary
Distraction Type Number Percent
Cell Phone (hand held) 587 0.2
Cell Phone (hands free) 57 <0.1
Driver Inattention/Distraction 48,774 19.1
Eating or Drinking 104 <0.1
Passenger Distraction 740 0.3
Texting 64 <0.1

Implied Consent Law

New York’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, urine, or saliva when arrested by law enforcement for suspicion of driving under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties in addition to those for a DUI:

  • First Offense: suspension of driver’s license for 1 year
  • Second Offense: suspension of driver’s license for 18 months
  • Third Offense: suspension of driver’s license for 18 months

DWI Law and Penalties

If you drive or operate a motor vehicle in the state of New York with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Intoxicated (DWI). If you're a commercial driver, a BAC of 0.04% and higher violates the DWI law. This is a criminal offense with severe penalties.

In addition to DWI, the following are also alcohol and drug-related violations in the State of New York:

  • Aggravated Driving While Intoxicated (Aggravated DWI): Blood Alcohol Content (BAC) 0.18% or higher
  • Driving While Ability Impaired by Alcohol (DWAI/Alcohol): Blood Alcohol Content (BAC) higher than 0.05% and less than 0.07% or other evidence of impairment
  • Driving While Ability Impaired by a Single Drug other than Alcohol (DWAI/Drug
  • Driving While Ability Impaired by a Combined Influence of Drugs or Alcohol (DWAI/Combination)
  • Zero Tolerance Law: Drivers younger than 21 years old caught driving with a Blood Alcohol Content (BAC) between 0.02% and 0.07% are guilty of violating New York's Zero Tolerance Law.

Click here to see the Penalties for alcohol or drug-related driving violations in New York

The New York DMV reports that in 2014 there were 7,849 alcohol-related vehicle crashes. 270 of these were fatal crashes in which 292 people lost their lives. That same year alcohol was a factor in 3,974 non-fatal personal injury crashes.

Booster Seat Law

New York’s child restraint law requires that:

  • Children under the age of four must be restrained in a federally approved car seat when riding in a motor vehicle.
  • If the weight of a child under the age of four exceeds 40 pounds, the child may be restrained in a booster seat. Children between the ages of four and seven must be properly secured in an appropriate child restraint system.

Graduated Driver’s License Program

New York has implemented a 3-tier graduated driver’s license program beginning with a learner's permit for young drivers and ending with an operator’s license with full driver privileges.

Teens can apply for a learner's permit once they’re 16 years old. Drivers with learner’s permits are required to drive 50 hours under supervision, with 15 of those hours being at night. Once these conditions are satisfied, and the driver has reached at least the age of 16 1/2, they can take the driver’s test. If they pass the test, a provisional license will be issued.

Drivers with provisional licenses can't drive between the hours of 9 pm and 5 am. They're also prohibited from having more than one passenger under the age of 21 in their vehicle while. Drivers obtain their full driving privileges once they complete the above requirements and turn 17 (if they have completed a driver’s education class) or 18 (if they haven’t).

Senior Drivers

All New York drivers are required to renew their driver’s license every 8 years. There are no special provisions for senior drivers.

Seat Belt Laws

New York requires that all drivers and passengers in a moving vehicle under the age of 16 wear seat belts in a moving vehicle. It also requires that any drivers or passengers in the front seats of a moving vehicle wear a seat belt, regardless of age. Children are required to use approved child seats as described above. The maximum fine for a first offense is $50.

Vehicles Registered in Another State

When you drive a vehicle in New York that must be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

The Cost of Driving in New York

Average New York Car Insurance Rates

The average cost of car insurance in New York was $1,205.03 in 2014 compared to a national average of $866.31. According to the Insurance Information Institute (iii.org), New York is the third most expensive state for car insurance.

Fuel Taxes

The state of New York taxes gasoline at 42.64 cents per gallon. The tax for diesel fuel is 42.10 cents per gallon. This is in addition to the Federal fuel tax of 18.4 cents per gallon on gasoline, and 24.4 cents per gallon on diesel. The total tax on gasoline in New York is 61.04 cents per gallon; the total tax on diesel fuel is 66.50.

Car Insurance Risk in New York

Traffic Fatalities

In 2014, New York Police reported 966 fatal car crashes in which 1,026 people lost their lives.

Vehicle Thefts in New York

The State of New York reported 15,736 vehicle thefts in 2014. This represents a 1.6 percent increase from the 15,483 cars reported stolen in 2013.

Top 10 Most Stolen Vehicles in New York

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1996 Honda Accord
  2. 1998 Honda Civic
  3. 2013 Ford Econoline E350
  4. 2014 Toyota Camry
  5. 2013 Nissan Altima
  6. 2000 Dodge Caravan
  7. 2002 Ford Econoline E250
  8. 1997 Nissan Maxima
  9. 2010 Toyota Corolla
  10. 2014 Jeep Cherokee/Grand Cherokee

Top 10 New York Auto Insurance Companies - Market Share

Source: Insurance Information Institute
Rank Market Share Company
1 29.6% GEICO
2 15.1% Allstate
3 7.6% Progressive
4 6.5% Liberty Mutual
5 4.3% Travelers
6 2.9% Nationwide
7 2.8% USAA
8 2.5% NYCM Insurance Group
9 1.8% Hartford financial Services

Uninsured Drivers

The percentage of New York residents estimated to be driving without insurance is 5.3%. That ranks New York as #49 among US states and the District of Columbia, far better than average. Only Maine and Massachusetts are better.

New York Crash Statistics

The Governor’s Traffic Safety Committee archives many types of crash data on this website: http://www.safeny.ny.gov/hsdata.htm

New York State Department of Insurance

Website:
http://www.dfs.ny.gov/insurance/dfs_insurance.htm
Superintendent:
Maria T. Vullo
Insurance Hotline:
(800) 342-3736
Hours:
Monday through Friday
8:30 am to 4:30 pm

File a Consumer Insurance Complaint

Website:
Consumer Complaint Form

Sources:

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.