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Cheapest Car Insurance in New York (NY)

Purchasing cheap car insurance in New York State (or New York City for that matter) isn’t hard, but before you start looking at the various companies and their rates, there are a few things about NY insurance laws you need to be aware of. Knowing what the law requires will help you understand what kind of coverage you absolutely need, and what constitutes “extras”.

First of all, New York law requires that all registered vehicles carry minimum liability insurance; a per accident minimum of $25,000/50,000 for injury, $50,000/100,000 for death, and $10,000 for property damage. The law also requires the liability coverage to remain in force as long as the vehicle is registered. Unlike many states, license plates issued at the time of registration are not permanent. If insurance coverage lapses, the plates must be returned immediately to the state Dept. of Motor Vehicles.

Another requirement of NY is that liability insurance must be in the same name as the registration. This presents a problem for parents of teenagers that are drivers who might be given their first car or purchase one on their own. Children living at home can be carried on a parent’s policy until age twenty-one, but insurance ID cards still must be issued in the child’s name if his name is used on the registration. This may or may not affect premiums, depending on the terms of the individual insurance company.

The last thing to know is that NY car insurance must be provided by an in-state company or an out-of-state company licensed to provide insurance in NY. Insurance carried by out-of-state and unlicensed companies is invalid in NY and will result in a suspended license and registration. This is true even if a resident moves out of state but continues to keep his vehicle registered in NY. Improper insurance coverage could hamper a person’s ability to acquire a driver’s license or registration in his new state.

There are several well-known national companies providing good insurance to NY drivers at a reasonable price. Geico, Progressive, and 21st Century (previously AIG) are the most prominent, offering standard insurance services to most drivers. For the younger driver, and those who have issues (speeding, accidents, DUI, etc.), there are regional and state-wide companies that offer products specifically designed for those issues. Premiums may be higher, but monthly installments are often available to lessen the burden. Just make sure to do your homework before you buy; call, ask questions of agents, visit web sites. The more you know, the better you’ll be at making a good choice and you will get low cost affordable coverage.

“We offer both liability and comprehensive vehicle coverage, and service everyone including women, young drivers, students, new drivers, and everyone else under the sun in New York!”

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Actual Yearly Savings
  • Mercades
  • $1000
  • Apr 9, 2014
  • Steven
  • $1200
  • Apr 6, 2014
  • Sydney
  • $2400
  • Apr 6, 2014
  • Teddy
  • $1200
  • Apr 5, 2014
  • Shyte
  • $660
  • Apr 2, 2014
  • Janna
  • $1200
  • Apr 1, 2014
  • Bre-on
  • $400
  • Mar 31, 2014
  • Vita
  • $1200
  • Mar 31, 2014
  • Curtis
  • $2400
  • Mar 28, 2014
  • Clinton
  • $400
  • Mar 25, 2014
  • Janelle
  • $1800
  • Mar 25, 2014
  • Amanda
  • $1000
  • Mar 21, 2014
  • Tricia
  • $600
  • Mar 21, 2014
  • Douglas
  • $1000
  • Mar 20, 2014
  • Edmund
  • $1200
  • Mar 18, 2014
  • Dashawn
  • $1100
  • Mar 18, 2014
  • Summer
  • $2016
  • Mar 15, 2014
  • Hashem
  • $1000
  • Mar 14, 2014
  • Test
  • $1500
  • Mar 14, 2014
  • Margaret
  • $2400
  • Mar 14, 2014
  • Jacqueline
  • $2400
  • Mar 14, 2014
  • Jessica
  • $1200
  • Mar 13, 2014
  • Sofrona
  • $400
  • Mar 13, 2014
  • Angela
  • $1200
  • Mar 12, 2014
  • Lenorris
  • $696
  • Mar 11, 2014
  • Robert
  • $500
  • Mar 9, 2014
  • Stacry
  • $2400
  • Mar 9, 2014
  • Adam
  • $2000
  • Mar 8, 2014
  • Naemo
  • $100
  • Mar 8, 2014
  • Maxine
  • $600
  • Mar 7, 2014
  • Kevin
  • $2136
  • Mar 5, 2014
  • Jessica
  • $600
  • Mar 4, 2014
  • Edwin
  • $960
  • Mar 3, 2014
  • Igor
  • $1500
  • Mar 1, 2014
  • Solee
  • $600
  • Mar 1, 2014
  • Ahmed
  • $420
  • Mar 1, 2014
  • Alexander
  • $2268
  • Feb 27, 2014
  • Michael
  • $2400
  • Feb 27, 2014
  • Tyanna
  • $400
  • Feb 26, 2014
  • Natesha
  • $1200
  • Feb 25, 2014
  • Trini
  • $720
  • Feb 23, 2014
  • Wanda
  • $120
  • Feb 22, 2014
  • Alex
  • $1200
  • Feb 22, 2014
  • Courtney
  • $300
  • Feb 19, 2014
  • Brenda
  • $210
  • Feb 18, 2014
  • Ryan
  • $400
  • Feb 16, 2014
  • Mandy
  • $400
  • Feb 13, 2014
  • Brianne
  • $1800
  • Feb 13, 2014
  • Daniel
  • $2000
  • Feb 12, 2014
  • Jaime
  • $1080
  • Feb 12, 2014

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One Good Reason to Shop With Us

"After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised "bargain" companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [...]

This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

Obviously, not everyone will save nearly as much as I did, but it's well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years."

Jared



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