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New York Car Insurance

New York, also known as the “empire state”, is the third most populated state in the nation behind giants California and Texas.  New York is a state with lots of history and old infrastructure.  The roads in this state are narrow, broken, and crowded. Driving in this place without auto insurance would be not only illegal, but also quite stupid.  Continue reading below to learn more about the state of New York and also about auto insurance in the state.

new york car insurance

Learn more about car insurance in New York State by reading below.

About New York State

Most people know about New York from movies, news, and pop culture.  After all, New York is home to “New York City,” the place some call “the center of the universe.”  There is much more to the state of New York than just NYC, however.  New York is the 27th largest, 3rd most populated, and 7th most densely populated state in the country.

Dutch settlers originally established the state in the early 17th century.  The name “New York” was chosen in honor of the 17th century Duke of York (who later went on to become King James II of England).  The state played a huge part in the American Revolution.  In fact, about 1/3 of all battles in the war took place in the present day state of New York.  On July 26, 1788, New York became the 11th state in the United States by ratifying the constitution.

Nowadays, New York is known on a global scale as being a center of finance, government, culture, and entertainment.  New York City has a population of over 8 million people, making it the most populated city in the country and also one of the largest cities in the world.  It is also one of the most diverse cities in the world.  In the early 19th and 20th centuries, it served as the gateway for immigration into the United States.

New York State Auto Insurance Rates

If you live in the state of New York, you kind of got the short end of the stick when it comes to paying for auto insurance.  The state of New York is constantly rated as one of the more expensive places to purchase auto insurance.  The reasons for this are simple – traffic, crime, high population, high accident rates, and poor road conditions.

The average insurance rate per year in the United States is $1,613.49.  In the state of New York, the average rate is $2,037.12.  These rates can get even more ridiculous if you live in some of the state’s major cities.  NYC rates come in at an average of $2,710.  Yonkers residents pay $2,596, and Buffalo residents pay $2,065.

If the place you are living has high insurance rates, you are out of luck. Short of moving to Montana, or to a rural farm upstate, there really isn’t much you can do to get cheaper rates other than shopping around and finding the best deal possible, which we will get into in a minute.  But first, let’s take a look at how much auto insurance you will need to purchase if you live in New York.

New York State Auto Insurance Requirements

You need auto insurance to drive in the state of New York.  This is true for any state in the country.  If you live in the United States, you need to check and see what the government of the state you live in requires.  For New York State, car insurance requirements are as followed:

Bodily Injury Liability Coverage

As low as:

$25,000 per person (injury), $50,000 (death)

$50,000 per accident (injury), $100,000 (death)

As high as:

$250,000 per person
$500,000 per accident

Property Damage Liability Coverage

As low as:

$100,000 per accident

As high as:

$100,000 or more

Personal Injury Protection (PIP) Coverage


Uninsured/Underinsured Motorist Coverage

Same thresholds as liability


Collison and comprehensive coverage types are both optional in the state of New York.  Just because they are optional, however, does not mean that you should negelect purchasing them.  In fact, you should often times cover yourself with more than just the minimum coverage necessary.  In the event of an accident, you should always be sure to be financially safe.  To learn more about how much coverage you actually need, click here.

Getting Cheap Auto Insurance In New York

To find a cheap auto insurance rate in New York State, you are going to need to compare quotes from different auto insurance brokers and agents.  To do so, you can open up your phone book and call place-to-place.  Or you can get in your car, or hop on the bus or subways and visit each auto insurance company office in your area to get quotes.  Alternatively, you can use the New York auto insurance quote comparison tool here on forautoinsurancequotes.com.

To begin, enter your New York State zip code (i.e. 10010) in the zip code form above.  After clicking “GET QUOTES”, you will be taken you a page that will ask you brief, basic information about yourself and your vehicle.  We never ask for personal information online. After you finish our form, you will be given rates from the top insurance companies willing to give you the best rates in New York.

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