Cheap Car Insurance in New York for 2022 – NerdWallet

car indemnity in New York is some of the most expensive in the state. In fact, the state of matter is the third-most-expensive for minimal coverage, on median, according to a recent NerdWallet psychoanalysis. You ’ ll want to shop around and compare quotes from multiple insurers to find cheap car policy in New York. But NerdWallet has done the hard part for you. Read on to see a breakdown of the cheapest companies for a variety show of ages and driving histories, plus the minimal insurance requirements mandated while you ’ re on the road. If you ’ re looking for low-cost options in The Big Apple, check out the NerdWallet usher to the cheap car policy in New York City. Why you can trust NerdWallet : Our writers and editors follow rigorous editorial guidelines to ensure comeliness and accuracy in our write and datum analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every venue in the state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable star at a time, so you can easily see how each component affects pricing.

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Cheapest car insurance caller overall in New York
Main Street America	$ 86/month	not so far rated .
Cheapest for minimum coverage
Main Street America	$ 47/month	not even rated .
Cheapest for young drivers
Main Street America	$ 165/month	not however rated .
Cheapest for drivers with inadequate credit
Geico	$ 86/month	4.5 NerdWallet ‘s ratings are determined by our column team. The scoring formulas take into report multiple datum points for each fiscal product and service . NerdWallet rate

The cost of car insurance in New York

The average monetary value of full coverage car policy in New York is $ 2,020 per year, or about $ 168 per month, according to NerdWallet ’ s psychoanalysis. minimum coverage in New York is $ 941 per year on average, but we found you can probable get a cheaper policy. For exercise, Main Street America offers the cheapest rates in New York at $ 569 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean drive record.

How we chose the cheapest companies in New York

NerdWallet ’ s column team analyzed car indemnity rates from 13 car insurers in New York and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimal coverage, we looked at rates that reflect the minimum requirements in New York. For full coverage, we used the below coverage limits :

• $ 100,000 bodily injury liability per person .
• $ 300,000 bodily injury liability per accident .
• $ 50,000 place damage indebtedness per accident .
• $ 100,000 uninsured motorist coverage per person .
• $ 300,000 uninsured motorist coverage per accident .
• Collision coverage with a $ 1,000 deductible .
• comprehensive examination coverage with a $ 1,000 deductible .

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a draw of quotes to find the best bum car policy. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more know on the road. still, some companies routinely have better insurance rates for young drivers, so it ‘s best to shop around to find them.

Cheapest full coverage car insurance in New York for 20-year-olds

Drivers in New York with clean and jerk drive records may want to consider the follow companies, which had the lowest average rates :

1. Main Street America : $ 1,983 per class, or about $ 165 per calendar month .
2. progressive : $ 2,505 per year, or about $ 209 per calendar month .
3. lake erie : $ 2,519 per class, or about $ 210 per month .
4. Geico : $ 3,033 per year, or about $ 253 per calendar month .
5. Allstate : $ 3,955 per year, or about $ 330 per calendar month .

Cheapest minimum coverage car insurance in New York for 20-year-olds

Drivers in New York who want barely the state minimum coverage may want to check with these companies, which had the lowest average rates :

1. Main Street America : $ 904 per year, or about $ 75 per calendar month .
2. lake erie : $ 1,156 per year, or about $ 96 per month .
3. Geico : $ 1,203 per class, or about $ 100 per month .
4. progressive : $ 1,291 per year, or about $ 108 per calendar month .
5. Preferred reciprocal : $ 1,622 per year, or about $ 135 per calendar month .

Cheapest auto insurance in New York for 20-year-olds with poor credit

Drivers with poor recognition in New York should look at the following insurers with the lowest average rates for minimal coverage :

1. Geico : $ 1,401 per year, or about $ 117 per month .
2. Utica National : $ 1,633 per year, or about $ 136 per calendar month .
3. Chubb : $ 2,517 per year, or about $ 210 per calendar month .
4. erie : $ 2,583 per year, or about $ 215 per month .
5. Preferred reciprocal : $ 2,665 per class, or about $ 222 per calendar month .

Cheapest auto insurance in New York for 20-year-old drivers with one at-fault crash

For drivers with a late accident in New York, here are the companies with the lowest average rates for minimum coverage :

1. Main Street America : $ 1,170 per year, or about $ 98 per calendar month .
2. progressive : $ 1,477 per year, or about $ 123 per month .
3. Geico : $ 1,533 per year, or about $ 128 per month .
4. erie : $ 1,666 per class, or about $ 139 per calendar month .
5. Utica National : $ 1,841 per year, or about $ 153 per calendar month .

Cheapest auto insurance in New York for 20-year-old drivers after a DUI

The cheapest car insurance we found after a DUI is shown here, alongside the insurers ‘ average rates for minimum coverage .

1. Main Street America : $ 1,141 per year, or about $ 95 per month .
2. progressive : $ 1,315 per class, or about $ 110 per calendar month .
3. lake erie : $ 1,979 per year, or about $ 165 per month .
4. Allstate : $ 2,263 per class, or about $ 189 per calendar month .
5. Geico : $ 2,335 per year, or about $ 195 per month .

Cheapest for 30-year-old drivers

By the prison term they reach their 30s, most drivers will enjoy cheaper cable car indemnity rates than in their teens and 20s. hush, factors like a person ’ randomness drive record and car cook and model can increase prices. Drivers in their 30s can get lower rates by shopping approximately and taking advantage of any cable car insurance discounts.

Cheapest full coverage car insurance in New York for 30-year-olds

Drivers in New York with clean drive records may get the lowest rates from these companies :

1. Main Street America : $ 1,155 per class, or about $ 96 per calendar month .
2. progressive : $ 1,451 per year, or about $ 121 per calendar month .
3. erie : $ 1,523 per year, or about $ 127 per month .
4. Preferred reciprocal : $ 1,760 per year, or about $ 147 per calendar month .
5. Geico : $ 1,802 per class, or about $ 150 per month .

Cheapest minimum coverage car insurance in New York for 30-year-olds

Drivers in New York who want their state ‘s minimal coverage can check with the following companies, which had the lowest modal rates :

1. Main Street America : $ 618 per year, or about $ 52 per month .
2. Utica National : $ 635 per year, or about $ 53 per month .
3. Preferred reciprocal : $ 649 per year, or about $ 54 per calendar month .
4. erie : $ 677 per year, or about $ 56 per month .
5. Geico : $ 720 per year, or about $ 60 per calendar month .

Cheapest auto insurance in New York for 30-year-olds with poor credit

Drivers with inadequate credit in New York should consider the following companies with the lowest average rates for wax coverage :

1. Geico : $ 2,217 per year, or about $ 185 per calendar month .
2. Utica National : $ 2,427 per year, or about $ 202 per calendar month .
3. erie : $ 3,063 per year, or about $ 255 per month .
4. Chubb : $ 3,091 per class, or about $ 258 per month .
5. embrace : $ 3,358 per class, or about $ 280 per calendar month .

Cheapest auto insurance in New York for 30-year-old drivers with one at-fault crash

For drivers in New York with a recent accident, here are the lowest average rate options for full moon coverage :

1. Main Street America : $ 1,490 per class, or about $ 124 per month .
2. progressive : $ 1,913 per year, or about $ 159 per month .
3. erie : $ 2,303 per year, or about $ 192 per month .
4. Preferred common : $ 2,513 per year, or about $ 209 per calendar month .
5. Geico : $ 2,603 per class, or about $ 217 per calendar month .

Cheapest auto insurance in New York for 30-year-old drivers after a DUI

For the cheapest car insurance after a DUI, we found the adopt options for fully coverage .

1. Main Street America : $ 1,440 per class, or about $ 120 per month .
2. progressive : $ 1,492 per year, or about $ 124 per month .
3. erie : $ 2,771 per year, or about $ 231 per calendar month .
4. Allstate : $ 2,899 per class, or about $ 242 per calendar month .
5. embrace : $ 3,463 per year, or about $ 289 per calendar month .

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Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better indemnity rates than their younger counterparts on median, but hush pay more than older age groups. Shopping around for cheap car policy quotes with multiple insurers is the best way to find lower rates. good drivers who don ’ thymine receive behind the wheel often might want to consider pay-per-mile indemnity, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in New York for 40-year-olds

Drivers in New York with clean driving records may want to think about the follow companies, which had the lowest average rates :

1. Main Street America : $ 1,028 per year, or about $ 86 per month .
2. progressive : $ 1,389 per class, or about $ 116 per calendar month .
3. erie : $ 1,439 per year, or about $ 120 per month .
4. Preferred reciprocal : $ 1,760 per class, or about $ 147 per month .
5. Geico : $ 1,786 per year, or about $ 149 per month .

Cheapest minimum coverage car insurance in New York for 40-year-olds

Drivers in New York who want barely the minimal coverage may want to check prices from these companies, which had the lowest average rates :

1. Main Street America : $ 572 per class, or about $ 48 per month .
2. Utica National : $ 635 per year, or about $ 53 per calendar month .
3. erie : $ 649 per year, or about $ 54 per month .
4. Preferred common : $ 649 per year, or about $ 54 per month .
5. Geico : $ 716 per year, or about $ 60 per calendar month .

Cheapest auto insurance in New York for 40-year-olds with poor credit

Drivers with poor people credit in New York can check out the following insurers with the lowest average rates for full coverage :

1. Geico : $ 2,202 per year, or about $ 184 per calendar month .
2. Utica National : $ 2,427 per year, or about $ 202 per month .
3. erie : $ 2,881 per class, or about $ 240 per month .
4. Chubb : $ 2,932 per year, or about $ 244 per calendar month .
5. Preferred reciprocal : $ 3,247 per class, or about $ 271 per calendar month .

Cheapest auto insurance in New York for 40-year-old drivers with one at-fault crash

For drivers with a late accident exist in New York, here are the companies with the lowest average rates for full coverage :

1. Main Street America : $ 1,330 per class, or about $ 111 per month .
2. progressive : $ 1,849 per year, or about $ 154 per month .
3. erie : $ 2,174 per class, or about $ 181 per calendar month .
4. Preferred reciprocal : $ 2,513 per year, or about $ 209 per month .
5. Geico : $ 2,581 per year, or about $ 215 per month .

Cheapest auto insurance in New York for 40-year-old drivers after a DUI

The cheapest full coverage car policy we found for drivers with a DUI came from the following companies .

1. Main Street America : $ 1,268 per year, or about $ 106 per month .
2. progressive : $ 1,429 per class, or about $ 119 per month .
3. lake erie : $ 2,617 per year, or about $ 218 per calendar month .
4. Allstate : $ 2,899 per year, or about $ 242 per month .
5. embrace : $ 3,458 per year, or about $ 288 per calendar month .

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper cable car indemnity rates than most other long time groups on average. Prices will continue to drop as they inch toward their 60s and gain more drive experience. Rates can however vary depending on other factors such as a driver ’ randomness gender and location, so it ’ south ache to shop around to find the best rate. Our list of bum car policy companies is a good set to start.

Cheapest full coverage car insurance in New York for 50-year-olds

Drivers in New York with clean drive records may want to get quotes from these insurers, which had the lowest average rates :

1. Main Street America : $ 1,026 per year, or about $ 86 per month .
2. progressive : $ 1,276 per class, or about $ 106 per calendar month .
3. lake erie : $ 1,388 per class, or about $ 116 per month .
4. Preferred reciprocal : $ 1,448 per class, or about $ 121 per calendar month .
5. Geico : $ 1,796 per year, or about $ 150 per month .

Cheapest minimum coverage car insurance in New York for 50-year-olds

Drivers in New York who opt for the submit minimum coverage may want to consider the postdate companies, with the lowest average rates :

1. Preferred reciprocal : $ 539 per class, or about $ 45 per calendar month .
2. Utica National : $ 542 per class, or about $ 45 per calendar month .
3. Main Street America : $ 566 per year, or about $ 47 per calendar month .
4. erie : $ 634 per class, or about $ 53 per calendar month .
5. Geico : $ 722 per class, or about $ 60 per month .

Cheapest auto insurance in New York for 50-year-olds with poor credit

Drivers with poor credit in New York can check with the following companies, which showed the lowest average rates for full coverage :

1. Utica National : $ 2,032 per year, or about $ 169 per calendar month .
2. Geico : $ 2,222 per year, or about $ 185 per month .
3. lake erie : $ 2,773 per year, or about $ 231 per month .
4. Preferred common : $ 2,785 per year, or about $ 232 per calendar month .
5. Chubb : $ 2,867 per year, or about $ 239 per month .

Cheapest auto insurance in New York for 50-year-old drivers with one at-fault crash

For drivers living in New York with a late accident, here are the insurers with the lowest average wax coverage rates :

1. Main Street America : $ 1,342 per year, or about $ 112 per month .
2. progressive : $ 1,792 per year, or about $ 149 per month .
3. erie : $ 2,097 per year, or about $ 175 per month .
4. Preferred reciprocal : $ 2,146 per class, or about $ 179 per calendar month .
5. Utica National : $ 2,504 per class, or about $ 209 per calendar month .

Cheapest auto insurance in New York for 50-year-old drivers after a DUI

The cheapest car policy we found for drivers with a holocene DUI comes from the following companies, listed with rates for full moon coverage .

1. Main Street America : $ 1,265 per year, or about $ 105 per month .
2. progressive : $ 1,329 per year, or about $ 111 per month .
3. lake erie : $ 2,527 per year, or about $ 211 per calendar month .
4. Allstate : $ 2,993 per year, or about $ 249 per calendar month .
5. embrace : $ 3,096 per year, or about $ 258 per calendar month .

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car indemnity rates than many other long time groups on average, prices will start increasing as they get older. To find cheap car policy for seniors, drivers in their 60s should make certain to shop around to find the best rate. Drivers in this long time group should besides take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in New York for 60-year-olds

Drivers in New York with clean tug records may want to think about getting quotes from these companies, which had the lowest average rates :

1. Main Street America : $ 1,048 per year, or about $ 87 per calendar month .
2. progressive : $ 1,254 per class, or about $ 104 per calendar month .
3. erie : $ 1,356 per year, or about $ 113 per month .
4. Preferred common : $ 1,448 per year, or about $ 121 per month .
5. Geico : $ 1,805 per year, or about $ 150 per month .

Cheapest minimum coverage car insurance in New York for 60-year-olds

Drivers in New York who want just the state minimal coverage may want to check with these insurers, which had the lowest average rates :

1. Preferred common : $ 539 per class, or about $ 45 per month .
2. Utica National : $ 542 per year, or about $ 45 per calendar month .
3. Main Street America : $ 585 per class, or about $ 49 per month .
4. erie : $ 625 per year, or about $ 52 per month .
5. Geico : $ 727 per year, or about $ 61 per calendar month .

Cheapest auto insurance in New York for 60-year-olds with poor credit

Drivers with poor citation in New York can look at the following companies with the lowest average rates for broad coverage :

1. Utica National : $ 2,032 per year, or about $ 169 per month .
2. Geico : $ 2,235 per year, or about $ 186 per calendar month .
3. Chubb : $ 2,516 per year, or about $ 210 per calendar month .
4. lake erie : $ 2,704 per year, or about $ 225 per calendar month .
5. Preferred common : $ 2,785 per class, or about $ 232 per calendar month .

Cheapest auto insurance in New York for 60-year-old drivers with one at-fault crash

For drivers with a recent accident exist in New York, here are the companies with the lowest average rates for full coverage :

1. Main Street America : $ 1,392 per class, or about $ 116 per month .
2. progressive : $ 1,770 per class, or about $ 148 per calendar month .
3. lake erie : $ 2,057 per class, or about $ 171 per month .
4. Preferred common : $ 2,146 per class, or about $ 179 per calendar month .
5. Utica National : $ 2,504 per year, or about $ 209 per calendar month .

Cheapest auto insurance in New York for 60-year-old drivers after a DUI

The cheapest car policy we found after a DUI came from the following companies, shown with their average rates for full coverage .

1. Main Street America : $ 1,295 per year, or about $ 108 per calendar month .
2. progressive : $ 1,306 per class, or about $ 109 per month .
3. lake erie : $ 2,487 per class, or about $ 207 per month .
4. Allstate : $ 3,035 per class, or about $ 253 per month .
5. embrace : $ 3,035 per year, or about $ 253 per month .

Cheapest car insurance for military families

If you ‘re an active member of the military or a veteran — or have an immediate family member who is — chances are you ‘ll get a relatively cheap rate with USAA, a company that is n’t available to the general public. Because of that restriction, USAA is n’t ranked with the others, but it was among the cheapest five car indemnity options for 26 of the 48 driver profiles we examined .

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Minimum auto insurance limits required in New York

New York car indemnity laws require car owners to carry indebtedness indemnity, personal injury protection ( PIP ) and uninsured motorist bodily injury coverage ( UMBI ). The minimal coverage limits in New York are :

• $ 25,000 bodily injury indebtedness per person .
• $ 50,000 bodily injury indebtedness per accident .
• $ 50,000 indebtedness for death per person .
• $ 100,000 liability for death per accident .
• $ 10,000 property damage indebtedness per accident .
• $ 50,000 PIP .
• $ 25,000 UMBI per person .
• $ 50,000 UMBI per accident .

liability cable car insurance covers the cost of any price, injuries or deaths you cause in a car accident, up to your policy ’ south predefined limits. personal injury protective covering will cover your medical bills and expenses if you ’ re injured in a car crash, improving to your policy limits, no matter whose defect it was. Depending on your state, PIP may besides pay for :

• Lost wages if you ’ re unable to work due to injuries from an accident .
• Services you can no longer perform, like house scavenge or child concern, because of your injuries .
• funeral costs if an accident-related wound leads to death .
• A small death benefit as a cash payout .

Uninsured motorist coverage will cover expenses from injuries or price after an accident with a driver who doesn ’ metric ton have cable car policy. Underinsured motorist coverage will cover the lapp expenses if you ’ rhenium hit by a driver with some car policy, but not adequate to cover all costs from the crash. For the best fiscal protection, consider buying more than the bare minimum coverage. Any costs that surpass your coverage limits would have to come out of your own pocket, so with these minimums, a serious accident could well leave you owing more than, say, $ 10,000 to repair another driver ‘s cable car.

Alternative car insurance in New York

If car indemnity companies are declining to offer you coverage due to DUIs, crashes or early factors, you could qualify for car policy through the New York Automobile Insurance Plan ( NYAIP ) .

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