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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.
How much does car insurance cost 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. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.
Prices vary depending on your driving record, zip code, and coverage.
|Total Cost Per Year||$1,234.84|
|Price Per Month||$102.90|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.
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 compare car insurance quotes in New York from multiple companies to get the cheapest rates.
This is our list of the 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 were uninsured.
These are the vehicles owned by New York drivers requesting car insurance quotes through QuoteWizard in the past year.
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:
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 is the fourth most populated state in the nation. That level of population density is a prime factor in high auto insurance rates; the more people you have, the more people you have on the road. And more people on the road always leads to more accidents. If you live in an area of New York with a lot of road traffic, collision insurance is a must. It pays your costs after an accident.
While minimum coverage is legally required, that’s about where it ends. It will cover the other driver’s damages, but you have to take care of your own. Furthermore, it’s all too easy for the price tag on a crash to go above the dollar limit of minimum liability. To avoid this, we suggest:
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:
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.
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.
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:
|Cell Phone (hand held)||587||0.2|
|Cell Phone (hands free)||57||<0.1|
|Eating or Drinking||104||0.1|
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:
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:
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.
All New York drivers are required to renew their driver’s license every 8 years. There are no special provisions for senior drivers.
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.
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 average cost of car insurance in New York was $1,234.84 in 2015 compared to a national average of $889.01. According to the Insurance Information Institute (iii.org), New York is the second most expensive state for car insurance.
In 2014, New York Police reported 966 fatal car crashes in which 1,026 people lost their lives.
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.
Source: National Insurance Crime Bureau - Hot Wheels Report 2014
|8||2.5%||NYCM Insurance Group|
|9||1.8%||Hartford financial Services|
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.
The Governor’s Traffic Safety Committee archives many types of crash data on this website: http://www.safeny.ny.gov/hsdata.htm
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