Who Has the Cheapest New York Car Insurance Quotes? (2022) – ValuePenguin
the best cheap car insurance companies in new york
cheapest car insurance in new york: progressive
progressive is the cheapest auto insurance company for minimum liability for most drivers in new york. their typical rate of $732 per year is 33% less than the average rate we find across all insurers.
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However, if you’re a military or veteran, you may be eligible for insurance with usaa, the cheapest overall option. usaa costs even less than progressive, at $695 per year. That’s 36% less than the average cost of minimum coverage in New York.
Reading: What insurance company has the lowest rates
cheapest company for full coverage quotes: progressive
For cheap full coverage insurance in new york, progressive is the most affordable option for most people. Progressive fees are $776 cheaper than our sample controller average, at $1335 per year.
drivers can also find affordable quotes on usaa, which charges just a little more: $1,432 per year. however, usaa is only available to people who have served in the military and their family members.
Comprehensive coverage auto insurance policies include more than the minimum liability insurance limits, as well as comprehensive and collision coverage. this means that you are covered for damages caused in an accident in which you are at fault. collision coverage pays for damage to your own vehicle.
cheap car insurance for new york drivers with previous incidents
In general, the average cost of full coverage auto insurance in New York is higher for drivers who have received a citation for a traffic violation, those who have received a citation for driving under the influence (DUI) or those who have been in an at-fault accident.
cheaper car insurance quotes after a speeding ticket: progressive
drivers in new york who have been caught speeding can find cheaper full coverage auto insurance with progressive. Compared to the average cost for people with a speeding ticket, progressive rates are $1,056 cheaper per year.
Getting a speeding ticket can increase your rates by about half that of getting into an accident: a ticket increases rates by 15% on average, while a typical increase after an at-fault crash is 38% .
cheapest for new york drivers after an accident: progressive
new york drivers who have recently been in an accident should choose progressive to get the lowest rates. The cost of full coverage post-accident auto insurance from Progressive is 27% cheaper than the average cost of post-accident coverage in New York, which is $2,910 per year.
state farm is the only other insurer for most people that is cheaper than average. all other widely available insurers charged rates in excess of $3,600 per year.
cheapest car insurance for drivers with dui: progressive
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We found the best rates in new york after a dui at progressive, where the typical price is only $1398 per year. that’s nearly two-thirds cheaper than the overall average rate.
duis can result in average premiums that are 88% more expensive than what it normally costs to get full coverage auto insurance in new york.
cheapest car insurance quotes for drivers with bad credit: geico
geico offers the best quotes for drivers with bad credit, at $2,719 per year. Geico’s full coverage rates for these drivers are $1,622 cheaper than average and only 22% more expensive than average for drivers with average credit.
drivers with bad credit in new york can pay more than double the rates of drivers with good credit.
cheapest car insurance quotes for married drivers: progressive
if you’re a married driver in new york, progressive has the lowest rates for comprehensive coverage on average by far. your typical rate of $1,053 per year is $750 cheaper than the second cheapest option.
Married drivers can get small savings on their car insurance premiums compared to unmarried or unmarried drivers: $38 per year compared to single drivers in New York, on average.
cheapest car insurance quotes for young drivers: progressive
Young drivers looking for the cheapest auto insurance in new york can find the best rates with progressive, which has rates of $2,365 per year for minimum coverage. Progressive also has the cheapest quotes for young drivers with full coverage, at $4,045 per year.
the cheapest quotes for young drivers with a speeding ticket: progressive
young drivers in new york with a speeding ticket can find cheap progressive rates, as low as $2,365 per year. that’s 36% cheaper than average.
Speeding can cause the cost of auto insurance to increase, although not as dramatically as it is for drivers who experience an at-fault accident.
cheapest company for teenage drivers after an accident: progressive
progressive has the most affordable full coverage auto insurance quotes for young New Yorkers after an accident, at $2683 per year. That’s $1,403 cheaper per year than the average for all insurers we consider.
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Accidents almost always cause the cost of car insurance to rise significantly because, statistically, a driver responsible for one accident is more likely to cause another in the future.
the best auto insurance companies in new york
However, if you are not eligible for USAA membership, then state farm and geico are the best companies to get quotes from as well. both also received high marks from valuepenguin editors.
average cost of car insurance in new york by city
Full coverage auto insurance rates in New York can vary by as much as $2,782 per year, depending on where in the state you live. Auto coverage costs are typically higher in larger cities, where auto accidents and theft are more common. This may be why New York City overall is among the most expensive cities for auto insurance in the state, on average at $3,884 per year for full coverage.
minimum requirements for car insurance quotes in new york
new york requires drivers to carry a minimum amount of liability coverage on their auto insurance policies.
Although these are the lowest coverage limits you can get, we recommend increasing the limits beyond the legal requirement. Your insurer will only cover you up to stated limits, which could leave you financially vulnerable after a serious car accident.
frequently asked questions
We collect thousands of new york zip code rates for the state’s major insurers. We use a sample controller with the following profile:
The base policy for the study was a full coverage policy with the following limits:
For our minimum coverage policies, including all 18-year-old rates, we quote a policy with the minimum limits required in New York.
For other rate analyzes (credit score, accident history, and marital status), the base policy mentioned above has been adjusted to reflect the new driver.
valuepenguin’s analysis used insurance rate data from quadrant information services. These rates were obtained publicly from insurer filings and should be used for comparison purposes only; your own quotes may be different.