Car Insurance in New York City
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Car Insurance in New York, NY
The Big Apple isn't just the biggest city in the state; it's the biggest city in the country. It's home to about 8.3 million people, making it a mega-city in every sense of the word. The Five Boroughs that make up New York are full of diverse neighborhoods — and diverse driving styles. This makes having comprehensive car coverage in New York City a no-brainer.
Whether you're navigating alongside iconic NYC yellow cabs in downtown Manhattan, commuting on the L.I.E., heading for a night out in Chinatown or Little Italy, or taking a day trip to the Jersey shore, driving in New York City is a unique experience. Car insurance costs in NYC should be the least of your worries.
Factors like zip code, age, and car type significantly impact your insurance rates, so compare car insurance quotes in New York City to make sure you're getting the most competitive coverage. Keep reading for more information.
How much is car insurance in New York City, NY?
The total cost of car insurance in New York City can vary significantly depending on the coverage you select. For an overview, here are the average prices for the three most commonly chosen coverage options in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in New York City?
Ranking the cost of insuring every possible car make, model, and year combination in the city is rather challenging to say the least. However, if you are curious about what newer models tend to be on the more affordable end for insurance, here are the top 10 cheapest car make and models to consider if you live in New York, NY:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $386 |
| 2 | Ford F-150 | $411 |
| 3 | Dodge Grand Caravan | $417 |
| 4 | Honda Cr-V | $419 |
| 5 | Toyota Tacoma | $420 |
| 6 | Honda Odyssey | $424 |
| 7 | Chevrolet Silverado | $429 |
| 8 | Toyota Corolla | $438 |
| 9 | Kia Sedona | $438 |
| 10 | Toyota Rav4 | $440 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
If you have experienced a minor fender bender, a major accident, received a few speeding tickets, been charged with a DUI, or been involved in a hit-and-run, these factors can all influence your insurance costs in the city. The following breakdown illustrates how rates adjust based on common claims and violations in New York City, ranked from least to most significant:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $440 | 0% |
| Not at-fault Accident | $458 | +4% |
| Driving with expired registration | $474 | +8% |
| Speeding Ticket | $542 | +23% |
| At-fault Accident | $621 | +41% |
| Driving with a suspended license | $656 | +49% |
| DUI | $674 | +53% |
| Hit and Run | $677 | +54% |
What car insurance discounts can I get in New York City?
Several discount options are available in New York City to help decrease your insurance costs. These range from combining various policies, making advance full payments, choosing paperless billing, and earning discounts for renewing your policy as a reward for your loyalty. The following list presents these savings opportunities ranked from the greatest to the smallest potential impact on reducing your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $141 | +$20 |
| Low Mileage | $151 | +$10 |
| Paid in Full | $152 | +$9 |
| Multi-Policy Renters | $154 | +$7 |
| Renewal discount | $158 | +$3 |
| Electronic Funds Transfer | $160 | +$1 |
| None | $161 | +$0 |
| Paperless | $161 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.