How to Get the Cheapest Car Insurance in New York. Some aspects of car insurance are out of your control, but most aren’t. There are many discounts available that can lower your car insurance rates substantially. Many insurers offer discounts to teens who take a driver safety course.
Best Insurance For Teen Drivers
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If you’re looking for the cheapest car insurance in New York, it pays to shop around. Rates for the same coverage can vary widely from company to company, meaning you may lose out on a great deal by settling for the first quote you get.
To make your shopping easier, NerdWallet researched rates from the eight largest auto insurers in New York to find the most affordable options for a variety of driver types.
Compare auto insurance policies instantlyPlease enter a valid zip codeCheapest for good drivers
Chrome not downloading excel files. For good drivers with good credit, the cheapest car insurance in New York comes from the following companies, ranked by average rate.
Cheapest for drivers with poor credit
Here are the cheapest auto insurance companies for good drivers in New York with poor credit, and their average rates:
Cheap Car Insurance For New DriversCheapest for drivers with one at-fault crash
For drivers with a recent on-record crash, the cheapest car insurance in New York, on average, comes from:
Cheapest for low-mileage drivers
For drivers who clock few annual miles, the cheapest auto insurance in New York in our analysis was from:
Cheapest for minimum coverage in New York
Here are the cheapest carriers for minimum-required auto insurance in New York, with average rates.
The rates here are samples only, and yours will be different — unique to you. Each auto insurer factors your driving history, credit and personal information into rates differently, so it’s possible none of these companies are cheapest for you. Read about the companies here and others in NerdWallet’s auto insurance reviews.
Minimum auto insurance limits required in New York
New York auto insurance laws require car owners to carry liability insurance, personal injury protection (PIP) and uninsured motorist bodily injury coverage (UMBI).
The minimum coverage limits in New York are:
For the best financial protection, consider buying more than the bare minimum coverage. Any costs that surpass your coverage limits would have to come out of your own pocket, so with these minimums, a serious accident could easily leave you owing more than, say, $10,000 to repair another driver’s car.
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Alternative car insurance in New York
If car insurance companies are declining to offer you coverage due to DUIs, crashes or other factors, you could qualify for car insurance through the New York Automobile Insurance Plan (NYAIP).
NerdWallet’s comparison tool lets you view New York car insurance rates from top companies side by side and possibly trim hundreds off your premium.
Cheapest car insurance in New York
Methodology
For our “good driver” profile, NerdWallet averaged rates from the largest insurers in the state for 40-year-old men and women in 20 ZIP codes with good credit and 12,000 annual miles driven. The policy includes:
We used the same assumptions for all other driver profiles, with the following exceptions:
We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.
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