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New York residents pay lower than average rates for car insurance. That doesn’t mean there isn’t still room for big savings. Independent insurance agents can help you find the lowest costs on the coverage you need.
The average cost for car insurance nationwide is $1,311. In New York, residents pay an average of $1,013 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy.
Driving on New York roads can be dangerous. Accidents happen; and there are a number of risks you may not even know about. Here's what car insurance will do for you...
You'll notice that New Yorkers with a vehicle are required to have a certain amount of auto insurance that will pay for someone else's vehicle damage and medical bills. Most states have similar laws to ensure that drivers are prepared for accidents they cause, so it isn't out of the ordinary.
The driver who caused the accident is responsible for covering the cost of damages.
Considering that 12.6% of the U.S. population is uninsured, New York's average rate may look good. But it's still a reality that sometimes people drive without any insurance and without a financial backup plan for accidents.
That's where "Uninsured Motorist Coverage" comes into play. If you are hit by an uninsured driver, this insurance coverage will pay to fix your vehicle and handle your medical bills; New York does require you to have uninsured motorist coverage.
The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.
National average time spent commuting 26.9 Min
National average car thefts per 1,000 2.3 Year
National average car insurance cost $1,311 Year
|City||Commute time (min)||Auto theft rate per 1,000||Annual insurance cost|
|New York City||39.6||0.9||$1,422|