New York Car Insurance FAQ - Quick Answers

New York residents pay lower than average rates for car insurance, coming in at $1,013 per year. That is less expensive than the national average of $1,311 annually for auto coverage. To save on premiums, talk with a licensed independent agent. 

The reason for higher costs on car insurance could be a variety of factors. In New York, these can affect your auto coverage premiums:

  • Coverage selected
  • Driving record
  • Value of vehicles insured
  • Number of drivers
  • Age and experience of drivers
  • Your location 
  • Radius in which you travel
  • Number of miles you drive annually

Your New York car insurance policy comes with several options and some mandatory coverages. Here are the most commonly used ones.

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or a garage fire.
  • Collision: Pays to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.

In New York, 6.1% of all drivers are currently uninsured. Uninsured motorist coverage helps pay for your loss if you are involved in a collision with an uninsured driver, and New York is one of the states that requires it.

To find the best car insurance policy for your situation, you'll have to do some shopping. In New York, Stillwater, Travelers, and Safeco insurance companies come highly rated. This is because they are found to have superior claims handling and top-rated coverage options.

Do You Know What Your Car Insurance Covers in New York ?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

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

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Albany191.64$894
Bedford390.06$1,236
Binghamton171.37$756
Buffalo212.66$1,368
Freeport31.70.51$1,239
Mount Vernon36.61.61$1,731
New Rochelle33.30.39$1,512
New York City41.50.66$1,422
Rochester20.23.16$942
Syracuse183.95$1,218
Troy22.92.13$789
Utica17.21.5$1,196
White Plains27.40.55$1,407
Yonkers350.76$1,890