At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in New York does not have to be a chore. Fill out one form and our licensed agents will match you with the New York auto insurance provider that offers the best rate for your vehicle and your drivers.
Did you know? The average New York auto insurance premium in September 2011 was $1,264.00 for a 12-month policy. It appears that rates have decreased since August 2011 when average rates in New York were around $1,272.00 for a 12-month policy.
Average Premiums for Auto Insurance In New York |
||||
| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $1264.00 | $1272.00 | $1273.00 | $1268.00 | $1277.00 |
Though rates have decreased in recent months, it’s important to continue to save money and find great coverage on New York auto insurance. Be sure to ask your New York car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.
New York Auto Insurance News
- Auto insurance claim costs increasingFriday, December 30, 2011
- NY auto injury claims continue to riseMonday, November 28, 2011
- New Jersey residents picking up from widespread tree damageWednesday, November 02, 2011
- Michigan Chamber of Commerce says reform needed to keep no-fault system sustainableFriday, September 09, 2011
- Report: Fraudsters may be exploiting bodily injury protection Thursday, May 05, 2011
New York Auto Insurance Coverage Requirements
Bodily Injury: New York drivers are required by law to carry a minimum of $25,000 of bodily injury coverage with a maximum of $50,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.
Property Damage: Drivers in New York must carry a minimum of $10,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.
New York Recommended Coverages
- Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
- Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters
Another way to save money on New York car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the New York Home-Auto Discount.
Auto Insurance Tools and Tips:
- Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
- Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
- Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.
New York Most Stolen Vehicles
Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in New York:
The Top 10 Most Stolen Vehicles in New York
Rank |
Year |
Vehicle |
1 |
2000 |
Honda Civic |
2 |
1994 |
Honda Accord |
3 |
1991 |
Toyota Camry |
4 |
1996 |
Dodge Caravan |
5 |
1996 |
Nissan Maxima |
6 |
2000 |
Jeep Cherokee/Grand Cherokee |
7 |
2002 |
Ford Explorer |
8 |
1994 |
Plymouth Voyager |
9 |
1999 |
Ford Taurus |
10 |
2007 |
Toyota Corolla |
Source: © 2007 National Insurance Crime Bureau.
New York Driver Licensing Rules/Regulations:
Laws about licensing new drivers vary per state and are unique in New York. Drivers shopping for New York teen auto insurance should review the laws regarding young drivers in their state. A summary of New York young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):
| To earn a New York learners permit you must be of this minimum age: | 16 |
| Before getting a New York drivers license you must have a learners permit for: | 6 months |
| Also, you must have this minimum amount of supervised driving time: | 50 hours, 15 of which must be at night |
| To earn a New York driver's license you must be of the minimum age: | 16, 6 months |
| During your restricted license stage, you are not allowed to drive between: | 9 pm-5 am |
| Also, you are required to comply with the following passenger restrictions: | no more than 1 passenger younger than 21 |
| The minimum age at which your restricted nighttime hours may be lifted in New York is: | 17 (18 without driver education) |
| The minimum age at which your passenger restrictions may be lifted in New York is: | 17 (18 without driver education) |
Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in New York.
Search for auto insurance in your New York county:
- Albany
- Allegany
- Bronx
- Broome
- Cattaraugus
- Cayuga
- Chautauqua
- Chemung
- Chenango
- Clinton
- Columbia
- Cortland
- Delaware
- Dutchess
- Erie
- Essex
- Franklin
- Fulton
- Genesee
- Greene
- Hamilton
- Herkimer
- Jefferson
- Kings
- Lewis
- Livingston
- Madison
- Monroe
- Montgomery
- Nassau
- New York
- Niagara
- Oneida
- Onondaga
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- Orange
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- Oswego
- Otsego
- Putnam
- Queens
- Rensselaer
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- Steuben
- Suffolk
- Sullivan
- Tioga
- Tompkins
- Ulster
- Warren
- Washington
- Wayne
- Westchester
- Wyoming
- Yates
For additional information about specific auto insurance laws in New York, visit the New York State Insurance Department website.
