Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Those who reside in New York tend to pay higher insurance rates than drivers in other states. According to a report by the Rocky Mountain Insurance Information Association, the average cost for annual car insurance premiums in New York are considerably higher than the national average.

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The RMIIA report found that New Yorkers paid an average of $1,057 for car insurance in 2009. New York is the third most expensive state in the U.S. for car insurance rates.

According to the New York State Department of Motor Vehicles, the state requires drivers to carry a minimum car insurance policy amount of:

  • Bodily Injury Liability – $25,000
  • Bodily Injury Total – $50,000
  • Property Total – $10,000
  • Uninsured and Underinsured Motorist Bodily Injury – $25,000
  • Uninsured and Underinsured Motorist Total – $50,000
  • Personal Injury Protection – $50,000

In car insurance shorthand, the required coverage limits for New York State are expressed as 25/50/10 with 25/50 UM Limits.

No Fault Laws and Damages

The State of New York is considered a no fault state. This means that if you are in an accident, your auto insurance policy covers your damages and injuries. This may be contrasted with at fault states, where one of the drivers is determined to be at fault for the accident and the faulted driver’s insurance covers the costs of bodily injury and property damage.

Cost of Auto Insurance in New York

Though the insurance requirements vary between no-fault states, New York is one of the states that requires drivers to carry Personal Injury Protection (PIP) insurance to cover their own, as well as their passengers’, medical expenses in the event of an accident. Unlike many states, New York requires drivers to carry Uninsured/Underinsured Motorist protection.

You can find the best New York car insurance quotes with just a few clicks. Get started now!

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State of New York Car Insurance Monitoring and Penalties

According to the New York State DMV, the DMV monitors drivers’ coverage. Before you are able to register your vehicle, the state’s DMV must be notified electronically by your insurance provider that you have purchased a car insurance policy with at least the minimum liability limits. You must also show your insurance card and driver’s license in order to register your vehicle.

If your car insurance coverage is canceled or lapses for any reason, the New York State DMV is immediately notified. The DMV is also notified if you change insurance companies and when you renew your policy. An out-of-state insurance policy generally does not carry the minimum requirements for the State of New York. If you are a new resident to the state, be sure to purchase a policy from an agency that sells policies specifically written for the state.

Get Cost of Auto Insurance in New York

When you cancel coverage or allow it to lapse the State of New York requires that you surrender your license plates to the DMV. If your license plates are not surrendered, the DMV will forward a letter to you stating that your vehicle registration is nullified. You may be fined each day that your plates are still in your possession.

In New York State, fines for coverage lapses may range from $8 to $12 per day.

If you are stopped while driving without the minimum coverage, you may lose your vehicle registration and your driver’s license. In addition, your vehicle may be impounded. New York has some of the most stringent car insurance laws in the country.

Factors that Impact New York’s Car Insurance Premiums

The City of New York is home to approximately 8 million people. About 52 percent of the population is female and 48 percent male. New York City has a very high rate of stolen vehicles. Because nearly 20,000 vehicles are stolen in the city each year, car insurance rates are higher in the city simply because New York City is deemed to be a higher risk location for stolen vehicles.

Populations and Cost of Auto Insurance in New YorkCars.com reports that some vehicles tend to be targets for car thieves and owners of these cars pay more because of this fact. The top three makes and models for the cars most stolen in the U.S. are:

  • Honda Civic
  • Honda Accord
  • Toyota Camry

Owners of these types of vehicles will tend to pay more for their insurance premiums simply because their cars statistically tend to be stolen more often than other models. If you own a vehicle that is popular with car thieves, there are a few things you can do to lower your insurance premiums.

  1. Install an alarm system and/or other anti-theft devices, such as LoJack or OnStar
  2. Park in a personal garage at night
  3. Park in a secured parking garage during the day

10 Ways to Save Money on Your Rates

Other factors will decrease your insurance premiums if you live in the State of New York.

  1. Carry only the coverage you need- Insurance companies will tend to up-sell policies. You will often carry more coverage than you need. Read your policy carefully and lower your coverage, particularly for liability insurance, to the minimums required by law.
  2. Combine your policies and use the same insurance provider for home and vehicle insurance. Multi-vehicle discounts are usually provided by car insurance companies when more than one vehicle is insured by the same carrier. In addition, when you insure your home and car with the same company, you will receive discounts, as well.
  3. Deductible for My Auto Insurance in New York

    Raise your deductibles- Many insurance companies will start a policy with a $200 or $500 deductible. If you raise the deductible, your car insurance premiums will be lowered. However, in the event of a claim, you are responsible for the amount of the deductible before your insurance claim kicks in to pay the rest. Raise the deductible to a high one, such as $1000, only if you are able to afford to pay the first $1000 in the event of a claim.

  4. Do not duplicate medical coverage- If you already have a stellar health plan, you are likely covered by your health insurance for medical coverage, and quite possibly for disability and life insurance, too. If you have a good health plan, carry only the minimum required for Personal Injury Protection.
  5. Purchase a lower risk vehicle- Not only are rates higher for cars that are more likely to be stolen, high-maintenance cars also carry higher insurance rates. For example, insurance rates for a Mercedes are quite a bit higher than for a lower-profile, lower risk car. Cars that are costly to repair carry higher insurance rates.
  6. Drive less- One way to decrease your insurance premiums is to decrease the number of miles you drive each day. To decrease miles, pursue options of car pooling, public transportation or alternate methods of transport, such as bicycling or walking. Miles that you commute to work or school are used to calculate your insurance premiums. When you have established a way to drive less miles per week, notify your insurance company of your choice.
  7. Equip your vehicle with safety items- Safety equipment that will help you reduce your insurance premiums include: anti-lock brakes, daytime running lights, automatic seat belts, and air bags.
  8. Insure teens on the parent’s policy- Instead of insuring teen drivers on their own policy, add them to a parent’s policy. The teen driver policy rates will be higher than if the young person is added to the parent’s policy as a driver.
  9. How Much is Auto Insurance Coverage in New York State

    Reconsider roadside assistance coverage- Roadside assistance coverage from your car insurance provider is not a great deal, in most cases. Often, roadside assistance will require that you pay to have your car towed, and then the insurance company reimburses you. Moreover, if you actually need to USE the roadside assistance coverage, this will often be reason enough for a provider to raise your rates. If you have a major credit card, chances are you already have roadside assistance coverage on your card.

  10. Find out about discounts- Many drivers qualify for discounts with their auto insurance companies that they have not yet discovered. For example, drivers over 50 and those over 55 generally receive senior discounts.

Three consecutive years without an accident will usually qualify a driver for a safe driver discount.

If you are a student with a “B” average or above, you likely qualify for a good student discount. Other discounts may be provided for those in military service and educators. Ask your insurance carrier about discounts that they offer their customers.

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Shop Around and Look for Discounts for New York Auto Insurance

Car insurance rates in New York tend to be higher than in most other states in the U.S. This is due, in part, to the more stringent requirements for

Rates for Auto Insurance in New York

minimum coverage in the state. If you live in New York, shop around and compare rates for different auto insurance companies.

Certain insurance providers simply charge lower premiums than other companies. Perform an annual review of your car insurance policies and shop around to see if more competitive rates are available.

Seek out ways to lower your insurance premiums, such as taking advantage of all of the discounts your car insurance carrier provides.

Be sure to maintain a clean driving record and consider implementing safe practices, such as parking your vehicle in a garage during working hours and at night. Make alternative transportation and carpooling a part of your lifestyle. Making a few changes may lower your car insurance premiums, even if you live in the State of New York.

When you type your ZIP code into the FREE quote box here you can get started finding lower premiums now!