Car Insurance in New York

Looking for Cheap Car Insurance in New York?

New York City and the surrounding areas are notorious for crowded roads, high traffic, and a bustling way of life. Also, New York has a reputation for being one of the most expensive states in America. No wonder the cost of living in the Empire State is sky-high, and New York car insurance can be especially steep.

Your zip code is just one of several factors that determine your auto insurance rate. Although you may live in Albany to Queens, shopping around for car insurance is still worth it. And Carlay is here to help you with car insurance now.

Using Carlay is as simple as answering a few short questions and choosing competitive rates from one of many top providers. You can also choose to have your policy tailored to meet your specific needs. After you make your pick, Carlay takes care of the rest—switching you to your new policy, helping to cancel your old one, and sending you new quotes before every renewal.

Carlay customers in New York often save money on deals. Here are quotes from real Carlay customers in New York:

How Much Does Car Insurance Cost in New York?

The average cost of basic liability car insurance in New York is $3,015 per year. For full-coverage insurance, you'll be looking at an average cost of $3,562 per year.

Thankfully, the national average annual insurance premium is only $1,783 for basic liability protection and $2,485 for full coverage.

What contributes to the insurance rates in New York?

Here are some things that could affect the cost of your car insurance in New York:

• High population density

If you live in the city of New York, your nearest neighbor maybe just a few feet away. With so many people packed into one area, accidents are more frequent, and that can increase your car insurance rates.

• Severe weather

New York car insurance premiums are influenced by many factors, including the likelihood of severe weather in the region. New York winters are cold, snowy, and windy, but because flooding is also a concern, collision coverage is especially important to help cover repairs if your vehicle is damaged in an accident.

• Tourism

It's no secret that New York City sees an influx of tourists each year. Whether they're visiting Times Square, the Empire State Building, or the 9/11 Memorial and Museum, these sightseers are also creating traffic and congestion on roadways.

Here's how Carlay's savings on auto insurance compare to the national average:

Top auto insurance providers in New York

Various companies in New York offer insurance policies, including State Farm, Liberty Mutual, and Metlife.

Finding the right insurance company for you might take a little time and effort, and there's more than one way to go about it. Because the different insurance companies calculate their premiums in different ways, getting quotes from four or more companies could result in you paying quadruple the amount you think you're paying.

Key factors such as age, driving history, and location all influence your annual premium. But the type of car also has an impact on your premiums. When shopping for car insurance, you will probably be quoted a higher premium for full coverage on a BMW 3-series than on a Honda Civic because more expensive cars are more costly to insure.

Carlay customers have found some great deals with various insurance companies—take a look!

What Car Insurance Do You Need in New York?

In all but two states, you must meet minimum insurance requirements to legally operate a vehicle. In the state of New York, drivers must meet the following requirements to legally get behind the wheel:

Driving without the mandatory minimums could result in the following penalties:

• Fine of up to $1,500
• Suspension of license + reinstatement fee of up to $750
• Potential jail time
• Vehicle impoundment
• Financial liability in the event of an accident

To make sure you're adequately protected, buy as much insurance as you can afford. Here are some good options:

If you're ready to go shopping, Carlay is a good choice for you. After you enter in your information, Carlay compares quotes from dozens of providers, including Travelers and Safeco, to give you the best deal. Carlay handles all the complexities of switching so that you have time to think about anything but insurance.

Now that you're familiar with the types of car insurance you need let's talk about the factors that impact your insurance rate.

How is Your Cost of Car Insurance Determined in New York?

To determine your insurance rates, many factors are considered, including your age, driving record, location, and the type of vehicle you drive.

• Cost to insure your car in New York by age

Insurance companies value drivers with experience, who are less likely to have accidents. Unfortunately for young drivers, a lack of experience combined with risky behaviors and a high likelihood of accidents means very high insurance rates.

What young drivers in New York need to know

• New York offers a 10% discount on auto insurance for three years to drivers aged 25 and younger who complete a state-approved, six-hour driver's education course.
  
• Students who maintain a B average qualify for a good student discount on their car insurance.

As a young driver, you can save money on your car insurance by shopping around and maintaining a clean driving record.

Comparison shopping with Carlay is the best way to get great rates from one of our Insurance Agents. Here are a few average rates for drivers by age:

• Cost to insure your car in New York with a poor driving record

Your driving record is also taken into account when you apply for insurance. When you have a record of accidents, speeding tickets, and serious offenses like DUIs, your New York car insurance rates will be higher for at least four years.

You can save money on car insurance if you have driving violations, and Carlay is the easiest way to find an affordable rate. Carlay customers with spotty driving records have saved a lot off their car insurance by switching to Carlay:

• Cost to insure your car in New York based on where you live

The city of New York is home to almost 19.5 million people and has a population density of about 416 people per square mile, which is not very dense at all compared to the rest of the city. Residents of the state are also no strangers to dangerous weather phenomena, including hurricanes and tornadoes.

Due to increasing living costs, more and more people are choosing to drive uninsured or underinsured, which raises the risk that everyone else must take. As a result, drivers in New York pay more for auto insurance than those in rural areas since urban centers have higher rates of accidents, thefts, and claims.

Here are the cheapest car insurance cities in New York:

• Cost to insure your car in New York based on the type of car you drive

Your choice of vehicle matters when it comes to deciding auto insurance. Driving a car like a Honda Civic or Saturn Vue will get you a good deal on your insurance. It is cheaper to insure a more economical vehicle because it is less expensive to repair or replace if you get into an accident. And driving less can save money since you're less likely to be in a car accident. But driving a pricier vehicle like a Volvo V60 or Mercedes-Benz C63 AMG will increase your car insurance premiums.

Here's how much you would pay to insure some popular makes and models with and without Carlay:

How to Save Money On Car Insurance in New York?

In New York, insurance rates usually run high. Here's how to save money on car insurance.

• Shop around for quotes

Shopping around for the best deals requires patience, but it's worth the extra effort. Using an app like Carlay makes it easy to compare rates at different banks and choose the lowest one.

Carlay is the super app that helps you save time and money on your car insurance—and without all the hassle. All you need to do is sign up and answer a few questions, and Carlay will connect you with dozens of insurance companies in your region. And once you pick a policy, Carlay will handle canceling your old one. A Carlay policyholder saves an average of $879 per year on car insurance!

• Look for discounts

Many automobile insurance companies have a wealth of discounts available to policyholders. And if you qualify for more than one, they might even let you stack them for increased savings.

• Increase your deductible

Your deductible is the amount you pay out of pocket each time you have an accident. Raising your deductible can lower your annual insurance premium, but it's important to make sure you can afford to pay the deductible if and when you need to.

Registering Your Car in New York

Before you can register your car in New York, you'll need to bring these items to your local DMV:

• Valid driver's license or ID card
• Proof of insurance
• Proof of sales tax payment
• Car title or signed lease agreement
• Smog check certificate
• Safety inspection certificate

New York drivers must renew their vehicle registrations annually.