Cheap Car Insurance in New York for 2022 – NerdWallet

car policy in New York is some of the most expensive in the state. In fact, the country is the third-most-expensive for minimum coverage, on modal, according to a late NerdWallet analysis. You ’ ll want to shop around and compare quotes from multiple insurers to find bum car policy in New York. But NerdWallet has done the hard contribution for you. Read on to see a breakdown of the cheapest companies for a assortment of ages and driving histories, plus the minimal indemnity requirements mandated while you ’ re on the road. If you ’ ra looking for low-cost options in The Big Apple, check out the NerdWallet scout to the bum car insurance in New York City.

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Cheapest car policy ship’s company overall in New York
Main Street America	$ 86/month	not yet rated .
Cheapest for minimum coverage
Main Street America	$ 47/month	not even rated .
Cheapest for young drivers
Main Street America	$ 165/month	not yet rated .
Cheapest for drivers with inadequate credit
Geico	$ 86/month	4.5 NerdWallet evaluation NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

The cost of car insurance in New York

The average cost of full moon coverage car insurance in New York is $ 2,020 per year, or about $ 168 per month, according to NerdWallet ’ south analysis. minimum coverage in New York is $ 941 per year on average, but we found you can probably get a cheaper policy. For exercise, Main Street America offers the cheapest rates in New York at $ 569 per year, on average, for minimal coverage car insurance for a 35-year-old driver with a clean drive record.

How we chose the cheapest companies in New York

NerdWallet ’ s editorial team analyzed car policy rates from 13 car insurers in New York and found the five cheapest options for drivers in several long time brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in New York. For full coverage, we used the downstairs coverage limits :

• $ 100,000 bodily injury indebtedness per person .
• $ 300,000 bodily injury liability per accident .
• $ 50,000 property damage indebtedness per accident .
• $ 100,000 uninsured motorist coverage per person .
• $ 300,000 uninsured motorist coverage per accident .
• Collision coverage with a $ 1,000 deductible .
• comprehensive coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a set of quotes to find bum car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. even, some companies routinely have better policy rates for young drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in New York for 20-year-olds

Drivers in New York with scavenge drive records may want to consider the come companies, which had the lowest average rates :

1. Main Street America : $ 1,983 per year, or about $ 165 per calendar month .
2. progressive : $ 2,505 per year, or about $ 209 per calendar month .
3. erie : $ 2,519 per year, or about $ 210 per month .
4. Geico : $ 3,033 per year, or about $ 253 per calendar month .
5. Allstate : $ 3,955 per year, or about $ 330 per calendar month .

Cheapest minimum coverage car insurance in New York for 20-year-olds

Drivers in New York who want just the express minimal coverage may want to check with these companies, which had the lowest modal rates :

1. Main Street America : $ 904 per year, or about $ 75 per calendar month .
2. erie : $ 1,156 per year, or about $ 96 per calendar month .
3. Geico : $ 1,203 per year, or about $ 100 per calendar month .
4. progressive : $ 1,291 per class, or about $ 108 per month .
5. Preferred reciprocal : $ 1,622 per year, or about $ 135 per calendar month .

Cheapest auto insurance in New York for 20-year-olds with poor credit

Drivers with poor citation in New York should look at the following insurers with the lowest average rates for minimal coverage :

1. Geico : $ 1,401 per class, or about $ 117 per calendar month .
2. Utica National : $ 1,633 per year, or about $ 136 per month .
3. Chubb : $ 2,517 per year, or about $ 210 per calendar month .
4. erie : $ 2,583 per class, or about $ 215 per month .
5. Preferred reciprocal : $ 2,665 per year, or about $ 222 per calendar month .

Cheapest auto insurance in New York for 20-year-old drivers with one at-fault crash

For drivers with a holocene accident in New York, here are the companies with the lowest average rates for minimum coverage :

1. Main Street America : $ 1,170 per year, or about $ 98 per calendar month .
2. progressive : $ 1,477 per year, or about $ 123 per calendar month .
3. Geico : $ 1,533 per class, or about $ 128 per calendar month .
4. lake erie : $ 1,666 per year, or about $ 139 per month .
5. Utica National : $ 1,841 per year, or about $ 153 per calendar month .

Cheapest auto insurance in New York for 20-year-old drivers after a DUI

The cheapest car policy we found after a DUI is shown here, alongside the insurers ‘ average rates for minimum coverage .

1. Main Street America : $ 1,141 per year, or about $ 95 per month .
2. progressive : $ 1,315 per year, or about $ 110 per calendar month .
3. lake erie : $ 1,979 per class, or about $ 165 per calendar month .
4. Allstate : $ 2,263 per class, or about $ 189 per month .
5. Geico : $ 2,335 per year, or about $ 195 per month .

Cheapest for 30-year-old drivers

By the meter they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. still, factors like a person ’ mho driving record and cable car lay down and exemplary can increase prices. Drivers in their 30s can get lower rates by shopping about and taking advantage of any car policy discounts.

Cheapest full coverage car insurance in New York for 30-year-olds

Drivers in New York with clean drive records may get the lowest rates from these companies :

1. Main Street America : $ 1,155 per year, or about $ 96 per calendar month .
2. progressive : $ 1,451 per class, or about $ 121 per calendar month .
3. lake erie : $ 1,523 per year, or about $ 127 per calendar month .
4. Preferred reciprocal : $ 1,760 per year, or about $ 147 per calendar month .
5. Geico : $ 1,802 per year, or about $ 150 per calendar month .

Cheapest minimum coverage car insurance in New York for 30-year-olds

Drivers in New York who want their department of state ‘s minimal coverage can check with the following companies, which had the lowest average rates :

1. Main Street America : $ 618 per year, or about $ 52 per calendar month .
2. Utica National : $ 635 per class, or about $ 53 per month .
3. Preferred reciprocal : $ 649 per year, or about $ 54 per calendar month .
4. erie : $ 677 per class, or about $ 56 per month .
5. Geico : $ 720 per year, or about $ 60 per month .

Cheapest auto insurance in New York for 30-year-olds with poor credit

Drivers with poor credit in New York should consider the following companies with the lowest average rates for full coverage :

1. Geico : $ 2,217 per year, or about $ 185 per calendar month .
2. Utica National : $ 2,427 per year, or about $ 202 per calendar month .
3. erie : $ 3,063 per year, or about $ 255 per calendar month .
4. Chubb : $ 3,091 per class, or about $ 258 per month .
5. embrace : $ 3,358 per year, or about $ 280 per month .

Cheapest auto insurance in New York for 30-year-old drivers with one at-fault crash

For drivers in New York with a late accident, here are the lowest average pace options for full coverage :

1. Main Street America : $ 1,490 per year, or about $ 124 per calendar month .
2. progressive : $ 1,913 per year, or about $ 159 per calendar month .
3. erie : $ 2,303 per year, or about $ 192 per month .
4. Preferred reciprocal : $ 2,513 per year, or about $ 209 per month .
5. Geico : $ 2,603 per year, or about $ 217 per month .

Cheapest auto insurance in New York for 30-year-old drivers after a DUI

For the cheapest car insurance after a DUI, we found the follow options for wide coverage .

1. Main Street America : $ 1,440 per year, or about $ 120 per calendar month .
2. progressive : $ 1,492 per year, or about $ 124 per calendar month .
3. erie : $ 2,771 per year, or about $ 231 per month .
4. Allstate : $ 2,899 per year, or about $ 242 per calendar month .
5. embrace : $ 3,463 per year, or about $ 289 per month .

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Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap cable car policy quotes with multiple insurers is the best way to find lower rates. good drivers who don ’ thymine contract behind the wheel frequently might want to consider pay-per-mile indemnity, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in New York for 40-year-olds

Drivers in New York with clean and jerk drive records may want to think about the follow companies, which had the lowest average rates :

1. Main Street America : $ 1,028 per year, or about $ 86 per month .
2. progressive : $ 1,389 per year, or about $ 116 per month .
3. lake erie : $ 1,439 per year, or about $ 120 per calendar month .
4. Preferred common : $ 1,760 per year, or about $ 147 per month .
5. Geico : $ 1,786 per year, or about $ 149 per calendar month .

Cheapest minimum coverage car insurance in New York for 40-year-olds

Drivers in New York who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates :

1. Main Street America : $ 572 per class, or about $ 48 per calendar month .
2. Utica National : $ 635 per year, or about $ 53 per calendar month .
3. erie : $ 649 per class, or about $ 54 per calendar month .
4. Preferred common : $ 649 per year, or about $ 54 per calendar month .
5. Geico : $ 716 per year, or about $ 60 per calendar month .

Cheapest auto insurance in New York for 40-year-olds with poor credit

Drivers with hapless credit in New York can check out the following insurers with the lowest average rates for full coverage :

1. Geico : $ 2,202 per year, or about $ 184 per calendar month .
2. Utica National : $ 2,427 per year, or about $ 202 per calendar month .
3. erie : $ 2,881 per year, or about $ 240 per calendar month .
4. Chubb : $ 2,932 per year, or about $ 244 per month .
5. Preferred common : $ 3,247 per year, or about $ 271 per month .

Cheapest auto insurance in New York for 40-year-old drivers with one at-fault crash

For drivers with a late accident support in New York, here are the companies with the lowest average rates for entire coverage :

1. Main Street America : $ 1,330 per class, or about $ 111 per month .
2. progressive : $ 1,849 per year, or about $ 154 per calendar month .
3. erie : $ 2,174 per class, or about $ 181 per month .
4. Preferred common : $ 2,513 per year, or about $ 209 per month .
5. Geico : $ 2,581 per class, or about $ 215 per month .

Cheapest auto insurance in New York for 40-year-old drivers after a DUI

The cheapest full coverage car indemnity we found for drivers with a DUI came from the following companies .

1. Main Street America : $ 1,268 per year, or about $ 106 per calendar month .
2. progressive : $ 1,429 per year, or about $ 119 per month .
3. lake erie : $ 2,617 per year, or about $ 218 per calendar month .
4. Allstate : $ 2,899 per year, or about $ 242 per month .
5. embrace : $ 3,458 per year, or about $ 288 per calendar month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on median. Prices will continue to drop as they inch toward their 60s and gain more drive experience. Rates can still vary depending on other factors such as a driver ’ s gender and localization, so it ’ randomness smart to shop around to find the best rate. Our list of the best cheap cable car policy companies is a thoroughly position to start.

Cheapest full coverage car insurance in New York for 50-year-olds

Drivers in New York with clean drive records may want to get quotes from these insurers, which had the lowest median rates :

1. Main Street America : $ 1,026 per year, or about $ 86 per calendar month .
2. progressive : $ 1,276 per year, or about $ 106 per calendar month .
3. lake erie : $ 1,388 per class, or about $ 116 per month .
4. Preferred reciprocal : $ 1,448 per year, or about $ 121 per calendar month .
5. Geico : $ 1,796 per class, or about $ 150 per calendar month .

Cheapest minimum coverage car insurance in New York for 50-year-olds

Drivers in New York who opt for the state of matter minimum coverage may want to consider the surveil companies, with the lowest average rates :

1. Preferred common : $ 539 per class, or about $ 45 per calendar month .
2. Utica National : $ 542 per year, or about $ 45 per month .
3. Main Street America : $ 566 per year, or about $ 47 per month .
4. erie : $ 634 per year, or about $ 53 per calendar month .
5. Geico : $ 722 per year, or about $ 60 per month .

Cheapest auto insurance in New York for 50-year-olds with poor credit

Drivers with poor credit in New York can check with the following companies, which showed the lowest modal rates for fully coverage :

1. Utica National : $ 2,032 per year, or about $ 169 per calendar month .
2. Geico : $ 2,222 per year, or about $ 185 per month .
3. erie : $ 2,773 per year, or about $ 231 per calendar month .
4. Preferred common : $ 2,785 per year, or about $ 232 per month .
5. Chubb : $ 2,867 per year, or about $ 239 per calendar month .

Cheapest auto insurance in New York for 50-year-old drivers with one at-fault crash

For drivers living in New York with a late accident, here are the insurers with the lowest average full coverage rates :

1. Main Street America : $ 1,342 per year, or about $ 112 per month .
2. progressive : $ 1,792 per year, or about $ 149 per calendar month .
3. lake erie : $ 2,097 per class, or about $ 175 per calendar month .
4. Preferred common : $ 2,146 per class, or about $ 179 per month .
5. Utica National : $ 2,504 per year, or about $ 209 per calendar month .

Cheapest auto insurance in New York for 50-year-old drivers after a DUI

The cheapest car insurance we found for drivers with a late DUI comes from the following companies, listed with rates for full coverage .

1. Main Street America : $ 1,265 per year, or about $ 105 per calendar month .
2. liberal : $ 1,329 per year, or about $ 111 per month .
3. lake erie : $ 2,527 per class, or about $ 211 per calendar month .
4. Allstate : $ 2,993 per year, or about $ 249 per calendar month .
5. embrace : $ 3,096 per year, or about $ 258 per calendar month .

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many early age groups on average, prices will start increasing as they get older. To find bum car indemnity for seniors, drivers in their 60s should make certain to shop around to find the best rate. Drivers in this old age group should besides take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in New York for 60-year-olds

Drivers in New York with clean drive records may want to think about getting quotes from these companies, which had the lowest average rates :

1. Main Street America : $ 1,048 per year, or about $ 87 per calendar month .
2. progressive : $ 1,254 per class, or about $ 104 per calendar month .
3. erie : $ 1,356 per year, or about $ 113 per calendar month .
4. Preferred common : $ 1,448 per year, or about $ 121 per calendar month .
5. Geico : $ 1,805 per year, or about $ 150 per month .

Cheapest minimum coverage car insurance in New York for 60-year-olds

Drivers in New York who want just the state minimal coverage may want to check with these insurers, which had the lowest modal rates :

1. Preferred common : $ 539 per year, or about $ 45 per calendar month .
2. Utica National : $ 542 per class, or about $ 45 per month .
3. Main Street America : $ 585 per year, or about $ 49 per calendar month .
4. erie : $ 625 per year, or about $ 52 per calendar month .
5. Geico : $ 727 per year, or about $ 61 per month .

Cheapest auto insurance in New York for 60-year-olds with poor credit

Drivers with poor credit in New York can look at the following companies with the lowest median rates for full coverage :

1. Utica National : $ 2,032 per year, or about $ 169 per month .
2. Geico : $ 2,235 per class, or about $ 186 per calendar month .
3. Chubb : $ 2,516 per year, or about $ 210 per calendar month .
4. erie : $ 2,704 per year, or about $ 225 per calendar month .
5. Preferred common : $ 2,785 per year, or about $ 232 per calendar month .

Cheapest auto insurance in New York for 60-year-old drivers with one at-fault crash

For drivers with a holocene accident exist in New York, here are the companies with the lowest average rates for full coverage :

1. Main Street America : $ 1,392 per year, or about $ 116 per calendar month .
2. progressive : $ 1,770 per class, or about $ 148 per calendar month .
3. erie : $ 2,057 per class, or about $ 171 per calendar month .
4. Preferred common : $ 2,146 per year, or about $ 179 per month .
5. Utica National : $ 2,504 per year, or about $ 209 per calendar month .

Cheapest auto insurance in New York for 60-year-old drivers after a DUI

The cheapest car insurance we found after a DUI came from the following companies, shown with their average rates for full coverage .

1. Main Street America : $ 1,295 per class, or about $ 108 per calendar month .
2. progressive : $ 1,306 per year, or about $ 109 per calendar month .
3. erie : $ 2,487 per year, or about $ 207 per calendar month .
4. Allstate : $ 3,035 per year, or about $ 253 per month .
5. embrace : $ 3,035 per year, or about $ 253 per calendar month .

Cheapest car insurance for military families

If you ‘re an active penis of the military or a seasoned — or have an immediate kin member who is — chances are you ‘ll get a relatively brassy rate with USAA, a company that is n’t available to the general public. Because of that restriction, USAA is n’t ranked with the others, but it was among the cheapest five car indemnity options for 26 of the 48 driver profiles we examined .

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Minimum auto insurance limits required in New York

New York car indemnity laws require cable car owners to carry liability indemnity, personal wound protection ( PIP ) and uninsured motorist bodily injury coverage ( UMBI ). The minimal coverage limits in New York are :

• $ 25,000 bodily injury liability per person .
• $ 50,000 bodily wound liability per accident .
• $ 50,000 indebtedness for end per person .
• $ 100,000 indebtedness for death per accident .
• $ 10,000 property damage liability per accident .
• $ 50,000 PIP .
• $ 25,000 UMBI per person .
• $ 50,000 UMBI per accident .

liability car insurance covers the price of any damage, injuries or deaths you cause in a car accident, improving to your policy ’ sulfur predefined limits. personal injury auspices will cover your aesculapian bills and expenses if you ’ re injured in a car clang, astir to your policy limits, no matter whose fault it was. Depending on your submit, PIP may besides pay for :

• Lost wages if you ’ re unable to work due to injuries from an accident .
• Services you can no longer perform, like house clean or child care, because of your injuries .
• funeral costs if an accident-related wound leads to death .
• A small death benefit as a cash payout .

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn ’ thymine have cable car insurance. Underinsured motorist coverage will cover the like expenses if you ’ ra hit by a driver with some car indemnity, but not adequate to cover all costs from the crash. For the best fiscal protective covering, consider buying more than the publicize minimum coverage. Any costs that surpass your coverage limits would have to come out of your own pocket, so with these minimums, a dangerous accident could easily leave you owing more than, say, $ 10,000 to repair another driver ‘s car.

Alternative car insurance in New York

If car insurance companies are declining to offer you coverage due to DUIs, crashes or early factors, you could qualify for car policy through the New York Automobile Insurance Plan ( NYAIP ) .

source : https://insurecar.info
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