Auto Insurance in New York: Drivers with Tickets, DUIs & Bad Credit

New York is one of the most expensive states for car insurance. If you want to keep your rates affordable, it’s smart to compare auto insurance quotes from various providers before making a decision. Many factors affect what you pay for coverage, which can include how much driving experience you have and where you live. For example, if you live in a larger city, you may pay more for full coverage than if you live in a rural area.

Auto Insurance in New York

New York is one of the most expensive states for car insurance. If you want to keep your rates affordable, it’s smart to compare auto insurance quotes from various providers before making a decision. Many factors affect what you pay for coverage, which can include how much driving experience you have and where you live. For example, if you live in a larger city, you may pay more for full coverage than if you live in a rural area.

Cheapest Car Insurance in New York

The cheapest car insurance in New York costs $973 a year and provides the minimum coverage required by state law. This policy has a $500 deductible, an uninsured motorist property damage limit of $50,000 and zero liability coverage.

Full Coverage in New York

The costliest car insurance available in New York costs $3,901 a year. This policy has a $1,000 deductible, an uninsured motorist property damage limit of $500,000 and liability coverage with zero limits.

Best Car Insurance Companies

The best-rated car insurance companies in New York are IFA Auto Insurance (Allstate), GMAC (GEICO) and Nationwide. Each company’s rates are based on several factors, including age, driving experience and credit score.

Average Cost of Car Insurance

New York drivers can expect to spend an average of $1,200 yearly on car insurance coverage. This is the 24th most expensive state for auto insurance and the third highest in New York City.

Drivers With a DUI in New York

A New York driver with a DUI will pay an average of $2,846 more than those with clean driving records when they purchase full coverage auto insurance. This is the third-highest rate increase in the United States.

Drivers With Tickets in New York

New York drivers with speeding tickets pay an average of $1,100 more than those without traffic violations when they purchase full coverage insurance. This type of infraction also results in higher rates for drivers with one accident or more than three moving violations.

Drivers With Bad Credit in New York

New York drivers with poor credit scores pay 30% more than drivers with good credit ratings when they purchase full coverage insurance. This is the sixth-highest increase in the United States and proves that your score influences how much you pay for car insurance.

Seniors in New York

New York seniors can expect to pay the highest rates in the state for full coverage. The average cost is $2,700 yearly – or nearly three times more than the national average. This rate increase is due to recent legislation that limits insurance companies’ ability to charge higher rates to older drivers.

Student Drivers in New York

New York insurance companies charge student drivers the highest rates in the country. The average yearly premium is $5,000, more than double the national average.

Car Insurance in New York

Even if you are involved in an accident, it doesn’t mean your premiums will go up if you have car insurance. You can find the cheapest rates in the state by comparing quotes online and searching for providers that include uninsured motorist coverage. New York car insurance is required by law to provide minimum car insurance limits, including $50,000 per person injured or killed in an accident, $100,000 total per accident and $25,000 of property damage per accident.

According to the New York Insurance Department, coverage is available starting at $973 a year. For example, living in a larger city may pay more for full coverage than in a rural area. Drivers with poor credit scores pay 30% more than drivers with good credit ratings. For example, full coverage in New York for a 35-year-old male driver with a clean driving record costs an average of $1,464 annually.

Seniors pay the highest rates in New York for car insurance – up to three times more than the national average. This rate increase is due to recent legislation that limits insurance companies’ ability to charge higher rates to older drivers.

Conclusion

We’ve got you covered if you’re looking for the cheapest car insurance rates in New York. We understand that finding a company that understands your needs and gives you an affordable price can be difficult. That’s why we created this guide of information on drivers with tickets, DUIs, seniors, student drivers and military members to help find auto coverage easier. Whether you need full coverage or just liability protection, our team is here waiting to answer all your questions and provide quotes from top-rated companies.

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