New York County, NY Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in New York County, NY, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Cost of Car Insurance in New York
Are you aware of the car insurance rates in New York City?
The average cost of car insurance in New York is $1,676. The price range of auto insurance may vary from city to city. Basic car insurance is required in almost every state. It covers the motor loss and reduces the risk of financial liability if the auto owner is involved in a collision.
Compared to other neighboring states, car insurance in New York is much higher. New York is a part of the Mid-Atlantic region, where the risk of hurricanes and winter storms is high. In order to mitigate the financial risk, insurance companies charge more expensive premiums.
Average Annual Premium offered by Top Auto Insurance Providers
Even though the prices are high, auto owners can still find a policy that fits their budget and needs. Progressive, State Farm, Allstate, GEICO, Nationwide, and Erie are among the top insurance companies in New York. Here is a list of the premiums charged by the top insurance provider in New York.
Components included in the car insurance coverage
Auto Insurance is a mandatory requirement for car owners in New York. As per the NY State Laws, there is a minimum liability limit for Auto insurance in New York. It covers bodily injury coverage, property damage coverage, and accidental death. Bodily injury coverage includes $25,000 per person and $50,000 per accident, property damage coverage includes $10,000 per accident, and accidental death includes $50,000 per person and $100,000 per accident.
Ways to Reduce your Car Insurance Premium in New York
There are several ways and discounts to reduce your car insurance premium.
a. Decent Driving History Discount
If the policyholder has a decent and clean driving history, i.e., no account of harsh driving, possession of drugs or alcohol, the offense of driving, or any regulation that violates driving rules, they can avail of this discount. Policyholders with such records have to pay a higher premium on car insurance.
b. Multi-Policy Discount
One way to save money on your car insurance is by opting for bundling vehicle insurance plans. It is one of the best ways to secure multiple things with a single contract. For instance, car owners who combine more than one form of insurance might save money each month by insuring both vehicles under one policy.
c. Exceptional Credit Score
The insurance providers charge policyholders with excellent credit scores a lesser premium. Therefore, car owners with a decent credit score and spotless driving history can obtain substantial discounts on car insurance rates in New York.
Factors that can influence the cost of car insurance in New York County, NY are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- New York County, NY Auto Insurance Rates
- New York County, NY Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in New York County, NY
- Multi Vehicle Insurance Savings in New York County, NY
- How Credit Score Affects Car Insurance Rates in New York County, NY
- How DUI Affects Auto Insurance Premiums in New York County, NY
- Top Auto Insurance Agents Near New York County, NY
- How Driving Violations Affect Auto Insurance Rates in New York County, NY
- New York County, NY Auto Insurance Discounts on Anti Theft Feature
New York County, NY Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in New York County, NY with that of other cities in and around New York County.
|New York County||Guttenberg||West New York||Manhattan||Edgewater||Weehawken|
|Average Insurance Rates||$1,995||$1,676||$1,699||$2,130||$1,829||$1,827|
New York County, NY Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around New York County, NY based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
|Location||Low Deductible ($500)||High Deductible ($1000)|
|New York County||$2,194||$1,853|
|West New York||$1,396||$1,179|
New York County, NY Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in New York County, NY usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
|Age of Driver||Insurance Cost|
New York County, NY Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in New York County, NY can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
|Number of Cars||Auto Insurance Cost||Total Savings|
Savings on 2 Vehicles bundle:$479
Savings on 3 Vehicles bundle:$718
Savings on 4 Vehicles bundle:$958
New York County, NY Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around New York County, NY.
|Location||Average Insurance Cost||Post DUI Insurance Rate|
|New York County||$1,995||$3,010|
|West New York||$1,699||$2,910|
New York County, NY Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
|Credit Score||Insurance Cost|
New York County, NY Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
|Agent Name||Company||Agent Address||Contact Details|
|Pat Cawley||State Farm||6719 Myrtle Ave, Glendale, 11385-7056||718-456-6112|
|Kevin Williamson||Allstate||4222 Avenue D, Brooklyn, 11203||(718) 629-0222|
|Brownstone Agency Inc||Travelers||32 OLD SLIP, NEW YORK, 10005||212-699-8961|
|Walter Wright||Allstate||169 7th Ave, Brooklyn, 11215||(718) 499-7000|
|Andrew Murphy||Allstate||17 W 45th St Ste 807, New York, 10036||(212) 687-8787|
|Campbell Solberg Assoc Inc||Travelers||110 WILLIAM ST 22ND FL, NEW YORK, 10038||212-843-4343|
|[||D||e, n, i||s|
|Michael J. Casal D/B/A The Heights Group||None||143 Montague St., Fl 2 Frnt Brooklyn, NYC, 11201||None|
|Clara O Mendoza Agency||Nationwide||2028 Williamsbridge Rd, Bronx, 10461||(718) 684-5200|
|Nestor Velez||Liberty Mutual||One Battery Park Plaza 30Th Floor, New York, 10004||1-212-398-2480|
|Andrew Sidakis Clu||Farmers||3113 23rd Ave, Astoria, 11105||(718) 440-3332|
New York County, NY Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
|Driving Violation||Cost Increase||Total Insurance Cost|
|Driving Without Headlights||+$88||$2,083|
|Driver's Failure In Showing Documents||+$194||$2,189|
|Driving With An Expired Registration||+$205||$2,200|
|Driving At A Considerably Slow Pace||+$433||$2,428|
|Using A Cellphone While Driving||+$457||$2,452|
|Running A Red Light||+$465||$2,460|
|Driving A Vehicle Without The Required Permission||+$620||$2,615|
|Driving With An Expired/Suspended License||+$1,345||$3,340|
New York County, NY Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
|Anti Theft Feature||Insurance Cost|
|Active Disabling Device||$1,915|
|Passive Disabling Device||$1,855|