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What Is the Average Cost of Car Insurance in New York?

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The average cost of full coverage car insurance in New York is $2,777 per year or $231 per month, but old and new drivers in NYC could find cheaper rates by comparing.

If you’re unfamiliar with New York auto insurance, you might be shocked to hear that it differs from vehicle insurance in other states in several ways.

Amazing Facts About Car Insurance in New York

The state of New York is known for being a no-fault zone. Personal injury protection (PIP) insurance is required for all New York drivers, and it covers your medical expenses if you are injured in a car accident, regardless of responsibility.

Drivers in New York are not required to file SR-22 papers. If you’ve been ordered to file an SR-22 in another state, you must continue to do so even if you live in New York or plan to move to New York.

Undocumented workers in New York do not require to show proof of citizenship or legal status in order to obtain a driver’s license, and insurance companies are prohibited from discriminating against drivers based on their legal status or citizenship.

How Much Does Car Insurance Cost in New York?

The cost of car insurance in New York is determined by the sort of coverage you want or desire. The following are some of the most common types of vehicle insurance in New York.

When you’re in an auto accident and are at fault, liability insurance covers you in case you injure someone or cause property damage.


Collision insurance: Covers the cost of repairs to your own automobile if you are at fault in a car accident.

Comprehensive Insurance: When your car is stolen, vandalized, or damaged in a natural disaster, comprehensive car insurance covers the costs of repair or replacement.

Personal Injury Protection: When you’re injured in a car accident, personal injury protection (PIP) pays for your medical bills regardless of who is at blame.

UM/ UIM Insurance: If you’re in a car accident and the at-fault driver doesn’t have insurance, you’ll be covered by uninsured/underinsured motorist (UM/UIM) insurance.

If you’re not sure which types of car insurance are ideal for you, get a quote and speak with a professional agent about your choice of car insurance in New York.

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What is the Average Full Coverage Car Insurance Premium in New York?

Expect to pay an average of $2,777 per year, or $231 per month for full coverage automobile insurance in New York, which includes liability, collision, and comprehensive motor coverage.

How much does it cost to have just the bare minimum of car insurance in New York?

In New York, you should be expecting to pay an average premium of $2,777 per year for the minimum necessary motor liability insurance. The average vehicle insurance prices in New York, on the other hand, vary greatly depending on a number of criteria. There are loads of factors that influence car insurance policy in New York

How to Get a Good Driver Discount in New York?

How to Get a Good Driver Discount in New York

Even if you live in a section of New York where vehicle insurance prices are higher than average, the good news is that there are numerous strategies to reduce your car insurance rates

If you haven’t earned any moving infractions (including speeding tickets) or made any vehicle insurance claims in the last three years, one of the best methods to accomplish it is to acquire a good driver discount. 

Completing a defensive driving course and bundling your car insurance with other insurance policies are two more strategies to reduce your New York car insurance price.

New York Car Insurance Laws

What are the New York State Car Insurance Requirements?

New York, like most other states, requires everyone who owns a registered vehicle to have a certain amount of auto liability insurance.

The following are the minimum auto liability insurance limits in New York, according to the New York State Department of Motor Vehicles (DMV):

  • $25,000 per person for bodily injury liability ($50,000 for fatal accidents)
  • $50,000 per accident for bodily injury liability ($100,000 for fatal accidents)
  • Property damage liability per accident is $10,000
  • $50,000 in personal injury insurance (PIP)

In New York, bodily injury/death liability insurance pays for medical bills and burial expenses if someone else is hurt or killed in an automobile accident. Damage to other people’s cars and property is covered by property damage liability. Both of these insurance policies only apply if you are at fault in an automobile accident.

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If you’re injured in an automobile accident in New York, personal injury protection (PIP) coverage pays for your medical expenditures. PIP insurance, unlike bodily injury and property damage liability, applies whether or not you are at fault.

What Are the Factors That Determine Your Auto Insurance Premium According to the New York Laws ?

When establishing how much you pay for automobile insurance in New York, car insurance companies are legally authorized to take into account a number of criteria. The most essential elements that influence your vehicle insurance premium in New York are listed below:

  1. Location
  2. Age 
  3. Gender
  4. Marital Status
  5. Driving Experience 
  6. Type of Car 
  7. Driving History
  8. Credit History

What Is the Penalty of Driving without Car Insurance in New York?

What Is the Penalty of Driving without Car Insurance in New York

Car insurance in New York is taken very seriously. You might be fined between $150 and $1,500 if you’re found driving without vehicle insurance in New York. Your vehicle may be seized, and you may be sentenced to up to 15 days in jail. Your driver’s license and vehicle registration will very certainly be revoked. 

To get your license back, you’ll have to show the DMV that you have active car insurance and pay a $750 reinstatement fee. Whether you’re driving your own automobile while uninsured or letting someone else borrow your car, you’ll face the same consequences.

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Even if you were stopped for something unrelated to auto insurance, a police officer will always ask to see proof of liability insurance at every traffic stop. If you can’t show proof of insurance, the cop will assume you don’t have it. That’s why it’s critical to have a copy of your insurance card in a safe place where you can see it while driving. While many insurance providers give electronic ID cards, retaining a paper copy as your primary evidence of insurance is recommended. You never know when you’ll lose track of your phone or run out of juice!

Desmond Dickson
Desmond Dickson is a freelance writer, business coach, and lead content manager of MyTopInsuranceBlogs.com. He supervises all insurance-related content targeting the United States & Canada.

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