Auto Insurance Companies Ny
The following is a list of toll-free telephone numbers and websites at which interested consumers may contact automobile insurance companies. The companies listed make up 90% of the private passenger automobile insurance marketplace (by premium volume) in New York State. Insurers indicated as "Agents Listed" may be found in a local telephone directory under their direct agencies. Insurers denoted with an asterisk (*) do not offer the ability to obtain a quote or purchase a policy directly through their website.
auto insurance companies ny
Yes. To register a vehicle in New York State you must have New York State issued automobile liability insurance coverage. If you do not maintain the coverage, the DMV can suspend your vehicle registration and your driver license.
You must register your vehicle at the DMV within 180 days of the effective date on your insurance ID card. Bring one copy or form of your Insurance Identification Cards with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance while they are operating the vehicle.
The average annual rate for car insurance in New York state is $1,872, which is about $300 more than the national average of $1,442. New York also comes in higher compared to neighboring states like New Jersey and Pennsylvania, with average rates of $1,734 and $1,214, respectively.
According to our study on the Best Car Insurance Companies of 2023, the average rate in New York can vary widely by company. Your rates may also vary by location, age group, credit history, driving record, and coverage level. Auto insurance rates are determined per person by several factors, and the average rates listed in our study may be different from your personal quote.
For unmarried 25-year-olds in New York, the average annual rate is $2,085 for females and $2,150 for males. The cheapest insurance rates for young adults in New York can be found with Progressive at $996 per year for females and $1,075 for males. By contrast, the most expensive insurer in New York for young adult drivers is Mercury with rates of $5,139 for females and $5,115 for males.
For high coverage insurance in New York, you can typically expect to pay an average rate of $1,974 per year. Progressive is the cheapest company with an average rate of $920 per year. Mercury is the most expensive, with an average rate of $4,706 per year.
The average rate for minimum car insurance in New York is $1,786 per year. Progressive is the cheapest company, with an average annual rate of $813. The most expensive company for minimum coverage car insurance is Mercury. Its average rate is $4,273 per year.
Yes, you will need insurance to register a vehicle in New York. New York law requires minimum liability coverage for both property damage and bodily injury. Your insurance cards must show the same name as your vehicle registration.
Auto insurance rates can vary in New York depending on where you live. The most expensive city for insurance is New York City at $3,543 per year. It's also the only city in our study with rates over $3,000. Mount Vernon, Yonkers, and New Rochelle are the next most expensive cities with rates of $2,708, $2,630, and $2,164 respectively, per year. The cities in our study with the lowest rates are Albany and Schenectady, with rates of $1,399 and $1,397 per year, respectively.
If you are caught driving an uninsured vehicle in New York, you may be arrested or ticketed, and your vehicle might be impounded by law enforcement. Your registration will be suspended for the number of days that your vehicle did not have insurance and plates were not turned in.
If this period extends beyond 90 days, then your driver's license will also be suspended. If your insurance lapse is less than 90 days, you can choose to pay a civil penalty rather than turn your plates in.
Yes, New York is a no-fault state. Your medical benefits coverage under your insurance policy will cover injuries and other monetary damages, excluding property damage, no matter who was at fault in the accident. You can step outside of the no-fault system if your injuries and/or damages meet certain thresholds according to state law.
Yes, New York allows drivers to present proof of insurance in either paper or electronic format. Electronic proof of insurance must be capable of being displayed on a portable electronic device such as a phone or tablet.
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Prices for the same coverage can vary significantly among insurance companies. Compare car insurance quotes from multiple companies. Shopping around can potentially save you hundreds of dollars each year.
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Our research shows car insurance in New York is 50% more expensive than the national average. While finding affordable coverage can be a challenge, several providers still offer cheap car insurance in the Empire State.
Our picks for the cheapest car insurance companies in New York state are Progressive, Geico, USAA, Travelers and State Farm. Each of these providers offers affordable pricing, various coverage options and strong customer service.
Based on our cost estimates, Progressive provides the cheapest liability insurance in New York, costing $64 per month or $766 per year. USAA, Geico and NCYM Insurance are also strong alternatives.
We also found that Progressive also offers the cheapest full car insurance coverage in New York at $108 per month or $1,300 per year. Geico, USAA, Erie Insurance and NYCM Insurance also provide affordable full coverage car insurance for motorists.
Young drivers tend to pay more for car insurance than older, experienced drivers. The tables below show the cheapest car insurance for young drivers in New York, along with estimated monthly and annual costs.
Teen drivers in New York pay a substantial price for a full coverage policy. According to our research, 16-year-old drivers can find affordable car insurance coverage through Progressive for $4,559 per year or $380 per month on average. The average rate estimate for a 16-year-old driver in the state is $7,995 per year or $666 per month.
We found that Geico offers the cheapest auto insurance estimates for 17-year-old New York drivers, costing $4,364 per year or $364 per month on average. The average rate estimate for a 17-year-old driver in the Empire State averages to $7,217 per year or $601 per month.
Based on our research, Progressive tends to be the most affordable car insurance option for 18-year-old drivers in New York. Motorists pay an average of $3,758 per year or $313 per month for full coverage car insurance with the company. The average rate estimate for 18-year-old drivers is $6,387 per year or $532 per month.
New York drivers in their early 20s can expect to pay slightly lower car insurance rates than teen drivers. For 21-year-old drivers, Progressive offers the cheapest estimate for a car insurance policy on average at $2,075 per year or $173 per month. The average rate estimate for a 21-year-old New York driver is $4,088 per year or $341 per month.
On average, Progressive provides the cheapest rates for an auto insurance policy for 25-year-old drivers at $1,432 per year or $119 per month. The average rate estimate for a 25-year-old New York motorist is $3,156 per year or $263 per month.
Besides age, several other factors will greatly influence the price you pay for a car insurance policy. The sections below provide average costs for certain driving situations, such as car insurance prices if you got in an accident or had a recent DUI.
You can expect to pay much more for car insurance if you have a recent at-fault accident on your driving record. On average, drivers with a recent accident pay $6,896 per year or $775 per month for full coverage insurance in New York.
If you have a DUI on your driving record, you can expect to pay substantially more for car insurance. On average, New York drivers with a DUI pay $7,409 per year or $617 per month for full coverage car insurance. 041b061a72