More than eight million people live in a city that never sleeps and constantly moves, whether by foot, public transportation, or car. Way.com has worked hard to provide affordable car insurance rates in the greater New York City area for those who travel by car.
Whether you live in Manhattan or Staten Island, Way.com can assist you in obtaining car insurance in any of the five boroughs. Get a free car insurance quote in New York today.
In New York, auto insurance costs an average of $3012 per year, which is higher than the New York average ($1713) and higher than the national average of $1557. Our car insurance guide in New York includes average rates based on age, credit score, driving history, and marital status.
| New York City (annual average) | New York (annual average) | United States |
|---|---|---|
| $3012 | $1713 | $1557 |
The cheapest auto insurance company for you may change based on where in the place you live, your age, and your driving record. Before you buy car insurance, you should get several quotes to make sure you get the best deal.
We found that is one of the cheapest car insurance companies in New York City, with an annual rate of . has the most expensive annual auto insurance rate, .
| Company | Average Annual Rate |
|---|---|
| USAA | $1,843 |
| Erie | $2,317 |
| Allstate | $2,606 |
| Progressive | $2,738 |
| State Farm | $2,781 |
| Nationwide | $3,594 |
| Travelers | $4,151 |
| New York Central Mutual Fire | $4,612 |
| Esurance | $5,786 |
| MetLife | $5,926 |
No matter how much you try you will still end up paying a premium in New York City. So if you are looking for the cheapest minimum liability car insurance in New York City you will have to widen your net.
Getting the cheapest minimum liability for your auto insurance in New York City is much harder than winning a lottery. You would have cracked a secret winning code if you get which offers the cheapest annual rate at in New York City. offers the most expensive insurance at annually.
| Company | Average Annual Rate |
|---|---|
| USAA | $1,030 |
| Erie | $1,354 |
| Allstate | $1,470 |
| Progressive | $1,861 |
| State Farm | $1,927 |
| Nationwide | $2,013 |
| New York Central Mutual Fire | $2,489 |
| Travelers | $2,551 |
| Esurance | $3,937 |
| MetLife | $4,636 |
New York drivers in their 60s pay $2880 per year. Drivers in the 20’s pay the highest insurance premiums.
| Age | Average Annual Rate |
|---|---|
| 20s | $3903 |
| 30s | $3003 |
| 60s | $2880 |
A drivers’ marital status will affect car insurance rates. Married drivers typically pay less than single drivers. In New York, married drivers pay $57 less for auto insurance than single drivers, and rates for widowed people are also significantly lower than rates for single people.
| Marital status | Average Annual Rate |
|---|---|
| Single | $2964 |
| Married | $3021 |
| Divorced | $3009 |
| Widowed | $3006 |
Even in the best of circumstances, car insurance premiums can be perplexing. If you move, buy a new car, or simply get older, prices can go up or down without much explanation. A driver's gender can affect car insurance rates.
| Gender | Rates |
|---|---|
| Female | $3174 |
| Male | $3012 |
Avoiding accidents and citations is the best way to keep your auto insurance rates low no matter where you live. Speeding tickets, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to raise rates.
DUI and reckless driving are two of the most expensive citations to receive. Drivers in New York who are convicted of reckless driving face an increase in insurance rates of $1419 per year compared to the citywide average. A DUI conviction can result in a $1659 rate increase, while a speeding ticket can increase a $633 rate.
| Driving Violation | Increased rate |
|---|---|
| DWI/DUI | $4671 |
| Reckless Driving | $4431 |
| At-fault Accident | $3,085 |
| Speeding Ticket | $3645 |
In New York City, getting a speeding ticket can also make your rates go up or down a lot. We found that a driver with a speeding ticket in New York pays an average of $2656 a year for car insurance. However, rates can be much higher in New York City.
Speed thrills but it can also the cause of your tears. offers the cheapest car insurance option in New York City at . If your stars don’t align then offers the most expensive rate at .
| Company | Average Annual Rate |
|---|---|
| USAA | $1,998 |
| Erie | $2,600 |
| State Farm | $3,064 |
| Allstate | $3,200 |
| Progressive | $3,404 |
| Nationwide | $3,755 |
| Travelers | $4,844 |
| New York Central Mutual Fire | $5,094 |
| MetLife | $7,501 |
| Esurance | $7,977 |
A driver with an at-fault accident on their record will tend to pay $188 a month, or $2253 a year.
The cheapest car insurance company in New York City after an at-fault accident is which offers an annual rate of . offers the most expensive rate, at .
| Company | Average Annual Rate |
|---|---|
| USAA | $2,298 |
| Erie | $3,226 |
| AllState | $3,308 |
| State Farm | $3,347 |
| Progressive | $4,367 |
| Nationwide | $4,715 |
| New York Central Mutual Fire | $5,094 |
| Travelers | $5,274 |
| Esurance | $9,479 |
| MetLife | $16,250 |
In New York City, getting a DUI can really raise your car insurance costs. In New York, drivers with a DUI pay an average of $3396 a year for insurance. Rates can go up even more than that.
If you have a DUI in New York City, it's even more important to compare rates and find the best one for your record. We found the New York City car insurance companies that charge the least for people with DUIs. offers the cheapest car insurance in New York City with a DUI history at annually. can drain your pocket at annually.
| Company | Average Annual Rate |
|---|---|
| USAA | $2,984 |
| State Farm | $3,064 |
| Progressive | $3,278 |
| Allstate | $3,654 |
| Erie | $3,852 |
| Travelers | $5,284 |
| New York Central Mutual Fire | $6,004 |
| Esurance | $8,254 |
| Nationwide | $10,149 |
| MetLife | $17,328 |
The cost of car insurance is frequently correlated with one's credit score. In New York, moving from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) results in a 68 percent reduction in car insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward lower auto insurance rates. In New York, raising your credit score to "Fair" could result in a $4179 reduction in annual car insurance rates.
| Credit Tier | Annual rate |
|---|---|
| Very Poor | $7872 |
| Fair | $3702 |
| Good | $3012 |
| Very Good | $2763 |
| Exceptional | $2514 |
The cost of auto insurance varies depending on where you live, even within the same neighborhood. Some areas of a city may have a higher rate of accidents or thefts, resulting in a price increase. Here are the ten most populated ZIP codes in New York City, as well as the average annual cost of car insurance, according to Way.com's analysis.
| ZIP Code | Average Rate |
|---|---|
| 10002 | $3,063 |
| 10456 | $3,396 |
| 11230 | $3,743 |
| 10025 | $2979 |
| 11220 | $3267 |
| 11385 | $3342 |
| 11373 | $3351 |
| 11368 | $3387 |
| 11226 | $3600 |
| 10467 | $3603 |
| 11236 | $3651 |
| 11208 | $3708 |
| 11207 | $3810 |
Your car insurance rates in New York City are affected by where you live. Aside from your driving history and credit score, where you live is a major factor in the car insurance rates you'll pay. What's the reason? Crime, theft, and uninsured drivers differ by ZIP code.
So, if you live in a neighborhood where people don't get along, car insurance companies may consider you a high risk to insure, which means your rates may be higher than those of a neighbor down the street. And unfortunately, New York City is no exception.
Auto theft is on the rise in New York City. In 2021, the number of cars swiped increased by 25%. By the middle of 2021, there had been 4482 thefts reported, compared to 3582 during the same period in 2020. Thieves appear to be having a field day in The Bronx, where 1302 cars were boosted in 2021, up from 849 in 2020.
In 2021, 1269 cars were stolen in Brooklyn, compared to 1131 in 2020, and 1149 in Queens, compared to 1056 the previous year. In Manhattan, 693 cars were snatched, with the problem appearing to be concentrated in the Midtown North Precinct, which includes blocks south of Central Park and it includes Midtown. In 2021, 438 cars were snatched from there, up from 264 in 2020.
Are you looking for a sense of safety? According to data, Park on Staten Island, where auto theft is down 14% in 2021 — 94 compared to 2020 — 109. As the year 2021 came to a close, some cops were directing people to an '80s throwback security device called The Club to protect their ride.
Since 2020, traffic fatalities in New York have increased. According to the report, fatal crashes will increase by 13% in 2021. In the first half of 2020, 351 people were killed in traffic in New York. The number of fatalities in the first half of 2021 was 398.
A glance at a New York highway map reveals that the Empire State is crisscrossed with interstates, stretching from Riverhead in eastern Long Island to Ripley, the state's westernmost town, 500 miles away. These well-maintained highways make driving between regions of New York relatively quick, safe, and easy, though traffic congestion around major cities is unavoidable. And driving within the city limits of New York City is an entirely different story.
CAR: If you plan to drive around the city, use Google Maps to navigate New York City streets. There are also apps like Way.com to help you get around and find affordable parking. Way.com lists parking spots near you, allowing you to compare parking rates and locations as well as make reservations.
TOLL ROADS: In New York, there are three toll roads:
If you plan to use these toll roads regularly, an EZPass transponder will be your best friend. Cashless toll collection has been implemented on the Thruway, which means you'll be billed by mail (and pay a little more) if you don't have an E-ZPass device. Even if you don't have an E-ZPass account, the Tolls NY app can help you track tolls and manage payments. 800-333-TOLL is the toll-free number for E-ZPass inquiries.
RIDESHARING APPS: There are several ways to get around New York City. If ridesharing apps are your preferred mode of transportation, we have compiled a list for you. While almost everyone is familiar with Uber and Lyft, New York City has even more options.
Check out our list of the top ridesharing apps in New York City to see which one is right for you:
MTA: If you can't walk to your destination, public transportation is the next best option. The Metropolitan Transportation Authority (MTA) operates the city's rail and bus systems, known as MTA New York City Transit. It's cheap, environmentally friendly, and a great way to see the sights in all five boroughs—and it's open 24 hours a day, seven days a week.
All public transportation buses and portions of the subway system are accessible to passengers with visual, hearing, and mobility disabilities. Consult the MTA's accessibility guide and list of accessible subway stations for more information.
Roosevelt Island Tram: The Roosevelt Island Tram, which runs from East 60th Street and Second Avenue in Manhattan to Roosevelt Island, located in the East River between Manhattan and Queens, provides an aerial view of Midtown East with the swipe of a MetroCard. It has a direct service that runs seven days a week (Sun.–Thu., 6 am–2 am; Fri.–Sat., 6 am–3:30 am), with free transfers to and from MTA subways and buses. When traveling with a fare-paying adult, up to three children with a maximum height of 44 inches can ride the tram for free.
Because New York has over 12 million drivers, its roads are the busiest. With so many drivers on the road, there is a greater chance of an accident occurring.
So, if you drive and own a car, you need auto insurance not only for your protection but also because New York state law requires it. Auto insurance is expensive in New York. Some drivers cannot afford full coverage.
These are the top car insurance companies in New York City:
|
|
|
|---|---|
| 21st Century | Nationwide |
| Allstate | New York Central Mutual |
| Amica Mutual Insurance | Plymouth Rock |
| Bristol West | Preferred Mutual |
| Central Insurance | Progressive |
| Cinch | Safeco |
| Encompass | State Farm |
| Erie | Stillwater |
| FIMC | The Hartford |
| Foremost | Travelers |
| TSC | |
| Hanover | Universal Property |
| Liberty Mutual | USAA |
| Mercury | Utica National Insurance Group |
| MetLife | |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
In New York, the average cost of full coverage car insurance is $3012 per year or about $252 per month. The average cost of minimum coverage in New York is $957 per year.
In New York, the average cost of a minimum coverage car insurance policy for a driver is $1098 per year or $93 per month. However, your driving history, where you live in New York, and the type of car you drive will all impact how much you pay.
To get cheap car insurance in NYC, do the following:
In New York, the average cost of full coverage car insurance is about $252 per month. In New York, the minimum coverage is $81 per month on average.
In New York, the average cost of full coverage car insurance is $3012 per year or about $252 per month.
Yes. To register a car in New York State, you must have automobile liability insurance issued by the state. If you do not keep your coverage current, the DMV may suspend both your car registration and your driver's license.
Yes, you can get car insurance if you only have a driver's license. If you're still learning to drive, you might not need to be added to a policy just yet. If you practice driving in a family member's car, you're most likely covered by their policy and won't need your own.
If you suspect insurance fraud, you should immediately report it to the DFS or call the Insurance Fraud Hotline: 888-FRAUDNY (888-372-8369). The situation will be kept private.
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