New York County Auto Insurance Rates, Quotes, Agents & Reviews in NY

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.

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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.

cost_of_car_insurance_in_newyork

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 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
Manhattan $2,165 $1,829
Guttenberg $1,399 $1,181
West New York $1,396 $1,179
Weehawken $2,006 $1,695
North Bergen $1,525 $1,288
Edgewater $1,097 $927
Cliffside Park $1,966 $1,661

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
Teens $6,473
20 Years $2,563
30 Years $1,974
40 Years $1,900
50 Years $1,759
60 Years $1,784
70 Years $2,076

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
2 Vehicles $3,511 $479
3 Vehicles $5,267 $718
4 Vehicles $7,022 $958

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
Manhattan $2,130 $3,213
Guttenberg $1,676 $2,871
West New York $1,699 $2,910
Weehawken $1,827 $3,129
North Bergen $1,695 $2,903
Edgewater $1,829 $3,133
Cliffside Park $1,761 $3,016

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
Exceptional (800-850) $1,712
Excellent (740-799) $1,954
Good (670-739) $2,079
Average (580-669) $2,712
Poor (300-579) $3,254

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
Speeding +$489 $2,484
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
Audible Alarm $1,915
Active Disabling Device $1,915
Tracking Device $1,875
Passive Disabling Device $1,855