Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in New York
| City | Premium | Percent Increase |
| Ithaca | $969 | 0.0% |
| Binghamton | $991 | 2.4% |
| Rochester | $1,080 | 11.5% |
| Troy | $1,218 | 25.8% |
| Utica | $1,224 | 26.3% |
| Albany | $1,228 | 26.8% |
| Schenectady | $1,232 | 27.2% |
| Syracuse | $1,365 | 40.9% |
| Poughkeepsie | $1,495 | 54.4% |
| Buffalo | $1,640 | 69.3% |
| White Plains | $1,903 | 96.5% |
| New Rochelle | $1,925 | 98.7% |
| Yonkers | $2,361 | 143.8% |
| Mount Vernon | $2,461 | 154.1% |
| Huntington Station | $2,468 | 154.8% |
| New York | $2,908 | 200.3% |
| Staten Island | $3,137 | 223.9% |
| Astoria | $3,264 | 237.0% |
| Forest Hills | $3,608 | 272.5% |
| Ridgewood | $3,638 | 275.6% |
| Woodside | $3,707 | 282.8% |
| Elmhurst | $3,834 | 295.8% |
| Flushing | $3,840 | 296.5% |
| Jamaica | $3,886 | 301.2% |
| East Elmhurst | $3,900 | 302.7% |
| Corona | $3,930 | 305.7% |
| Far Rockaway | $4,137 | 327.1% |
| Bronx | $4,206 | 334.3% |
| Queens Village | $4,469 | 361.4% |
| Brooklyn | $5,020 | 418.3% |
Factors That Affect Car Insurance Premiums in New York
Although suppurate drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car indemnity rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in New York
7 Tips for How to Get Cheap Car Insurance in New York
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In New York, regional insurers like New York Central Mutual and Main Street America might have lower rates than national companies like State Farm, Travelers, and Allstate and have comparable customer satisfaction ratings.
2. Know the factors affecting insurance in New York
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose coverage that is right for you
You need
5. Search for discounts
Top car insurance companies in New York have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
6. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in New York. On average, drivers in the
7. Try usage-based insurance
New Yorkers take public transportation more than 3.8 billion times per year, which means many residents drive much less than the average American. Drivers with a low annual mileage who tend to be pretty safe behind the wheel can potentially save a lot with —up to 50% with some companies. If you’re comfortable letting the insurance company monitor your actual driving habits, you could find cheaper rates with a usage-based policy.
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, $50,000 in liability for death per person, $100,000 in liability for death per accident, $10,000 in property damage liability per accident, as well as $25,000 in uninsured motorist bodily injury per person, $50,000 in uninsured motorist bodily injury per accident and $50,000 personal injury protection (PIP), as required by New York’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage, $50,000 of liability for death per person, $100,000 of liability for death per accident, and
$50,000 of personal injury protection (PIP). - Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible, $50,000 of liability for death per person, $100,000 of liability for death per accident, and
$50,000 of personal injury protection (PIP) .. - Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged New York insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of brassy car policy companies in New York is based on data from the New York DMV and Quadrant Information Services. in concert with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car policy companies for New York drivers in a solicitation of keystone categories. For each profile, WalletHub compared quotes among top New York car indemnity companies by averaging premiums from 50 zip up codes that represent at least 20 % of New York ‘s population. Military-specific companies like USAA were only considered for the military-specific class, ascribable to their eligibility restrictions. In some cases, they may hush be the best option overall for eligible drivers.In the table below, you can see all of the profile characteristics that were used in WalletHub ’ mho analysis, in addition to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above postpone : Where driver profiles are not specified, WalletHub averaged New York indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. individual rates will be different.
Read more: The 7 Best Car Insurance Companies (2022)
Don ’ thyroxine forget to include local indemnity companies in your research for cheap car policy. In New York, regional insurers like New York Central Mutual and Main Street America might have lower rates than home companies like State Farm, Travelers, and Allstate and have comparable customer atonement ratings.Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in New York, companies can besides consider your old age, sex, credit history, marital condition, and more when setting premiums. The car you drive, your annual mileage, and tied some factors beyond your operate all impact the price of insurance.You ’ ll see higher rates if you let your indemnity lapse, even if you don ’ triiodothyronine own a car. New York drivers who don ’ metric ton maintain continuous coverage pay an average of 6 % more than those with five or more years of policy history.You need liability indemnity to pay for the other driver ’ sulfur expenses if you ’ re at defect in an accident in New York. Collision and comprehensive coverage, on the other bridge player, are optional and may be unnecessary if you own an older car. Going with a higher deductible or lower coverage limits costs less, excessively. Don ’ thymine scant on the coverage you need. But make inform choices therefore you don ’ thyroxine pay more than you have to.Top car insurance companies in New York have a variety of discounts, then about anyone can find ways to save. You may be able to get a dismiss if you ’ re a student, veteran, well driver, homeowner, bequeath to go paperless, and more.Car policy prices can vary a set based on slide fastener code in New York. On median, drivers in the most expensive parts of New York spend over $ 4,000 more per year on car policy than those living in the least expensive areas.New Yorkers take public transportation system more than 3.8 billion times per year, which means many residents drive much less than the average american. Drivers with a low annual mileage who tend to be pretty safe behind the rack can potentially save a set with—up to 50 % with some companies. If you ’ re comfortable letting the indemnity caller monitor your actual drive habits, you could find cheap rates with a usage-based policy .