Cheap Car Insurance in New York, New York

Among major cities across the country, New York is unique. From Central Park to Times Square to the Bowery and beyond, no other metropolitan area comes close to offering as many attractions.

Perhaps the most exceptional aspect of New York City life has to do with the automobile. If owning one there is hard, driving it is harder, and parking it can be nearly impossible.

Nevertheless, people drive in Manhattan all the time. If you intend to be one of them, here's what you need to know.

NYC Driving Conditions and Hazards

Some say that in NYC, the best way to drive is to put someone else behind the wheel. While this may be stretching the truth, anyone who operates a vehicle on New York City streets will have a few things to consider. Pedestrians top the list. Their "New York minute" proclivities will often tempt them to cross mid-block or against the light, and they will frequently do so en masse.

Other hazards of which to beware include bicycles, horses, buses and cabs. Livery drivers in particular often take chances. It's best to drive defensively and steer clear of them if you can.

Traffic Laws Specific to NYC

When driving in the area, it's best to keep the NYC traffic rules firmly in mind. For a brief overview, remember that:

- U-turns are verboten in the business district.
- Except where otherwise stated, a speed limit of 30 mph is standard throughout the area.
- No driver may back into or stop within the boundaries of a crosswalk or intersection.
- Double parking is illegal, as is leaving a vehicle next to a hydrant, in front of a driveway or in a "no standing" zone.

In addition, as many have already learned, alternate-side parking regulations can prove expensive for those who fail to move their cars at the appointed hour.

NYC Crime

Its huge population could be responsible for New York's high tally of criminal offenses. In the year 2011, the number of reported NYC property crimes included:

- Robberies: 19,773.
- Burglaries: 18,159.
- Larcenies and thefts: 112,864.
- Motor vehicle thefts: 9,434.

NYC Safety Requirements

New York City's rules for traffic safety follow the dictates of the statewide highway safety program in mandating, among other things:

- Seat belts for all front seat occupants.
- Child restraint systems for youngsters under eight.
- Bicycle helmets for children 13 and younger.
- Motorcycle helmets for drivers and riders of all ages.

NYC Impaired Driving Laws

New York is tough on DWI. It considers an adult driver with a blood-alcohol level of .05 percent to be ability impaired and one with a BAC of .08 percent or more to be intoxicated. For those under 21, the maximum allowable BAC tops out at .02 percent.

Under Leandra's Law, a conviction for driving under the influence with children in the car can net the miscreant up to four years' prison time.

While driving in NYC can be difficult, it is not impossible, and an awareness of the area's specific laws will make it that much safer.

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  • Jewelz Santiago - State Farm


    Jewelz Santiago
    Specializing in home and renters insurance since 2005 member of the nyc women's chamber of commerce free insurance quotes & insurance reviews in nyc 11 years experience in the insurance industry

    What makes your specific agency stand out from your competition?
    Jewelz santiago's agency helps our customers manage the risks of everyday life and recover from the unexpected in new york city. We focus on helping to save money on auto insurance, home & renters insurance throughout nyc. Let us help you prepare for the future with life insurance and our competitive financial services. Stop by our office to meet our experienced insurance team! Call for a free rate quote or click to visit our website.

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    • Property And Casualty

    • NY-PC-1002550

    3657 Broadway Frnt 2
    New york, NY 10031-2510
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  • Kingsbrook Brokerage Service Inc.


    April Goldberg
    Independent agency serving the tri-state are for all forms of insurance

    New York, NY
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  • New York Motor Insurance


    Drew Mack
    New york city auto insurance provider.

    New York, NY
    (347) 960-6520
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  • Barbara A Grimaldi


    227 E 56th St Rm 401
    New York, NY 10022
    (212) 759-3920
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    She made doing business simple and easy.

  • Bollinger


    100 Wall St Fl 25
    New York, NY 10005
    (212) 797-9600
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    I have all of my insurance through Bollinger Insurance and they are by far the most Customer Service oriented business that I have come across in a long time.
    They were super friendly, quick with my quotes and made the process of making sure that my mortgage company had all the required information for my closing really stress free...and had great rates for my homeowners, auto and umbrella insurance to boot.
    I would highly recommend giving them a call for any of your insurance needs.

  • Brock Barrett


    1200 Avenue Of The Americas Ste 201
    New York, NY 10036
    (212) 218-1222
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    I called my claim in on Monday. I had my check on Friday. I was amazed.

    Recently we backed into our babysitter's car. Of course we felt very bad about it! Thankfully, State Farm fixed her car right up and got her a cute rental, too, in the meantime. Thanks!

  • Campbell Solberg Associates


    110 William St Fl 22
    New York, NY 10038
    (212) 843-4343
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    I find NYC based insurance company as excellent in its area of service. The staff is very good in dealings and helped me to solve all sorts of doubts reading home insurance. So, if you're looking for a reliable insurance firm, go with Campbellsolberg.

    Being involved in Real Estate business and a working mom, finding time to go through numerous policy features and variable premium was not feasible. I took help of Campbell Solberg Associates to find a suitable property insurance. These guys are amazing and provided me with quotes earlier than I could think of having them."

  • Julie De Rossi


    42 Broadway Ste 1736
    New York, NY 10004
    (212) 514-8260
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    Julie De Rossi and her staff are a true 10 out of 10 for service. Julie's level of responsiveness continually exceeds my expectations.

    Julie, Just wanted to drop you a note to say thanks and every interaction I've had with you and your team has been great. The folks are friendly, knowledgeable and responsive and they seem to know who I am whenever I need to call - and it has always been a pleasure.

  • Kenneth Bieber


    370 Lexington Ave Rm 1405
    New York, NY 10017
    (212) 983-3700
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    I called them for insurance for my new condo and they explained everything and were able to get the policy issued the same day.

    This is the most awful experience I have ever had. This company is disgustingly unprofessional. I have never in my life been treated this way and I have worked with several agencies regarding insurance policies. The owner of the business had the nerve to yell at me on the phone and tell me he doesn't want my business all as a result of me being unhappy with the service provided.

    Don't bother giving these people your time or energy - they don't deserve to be in business treating customers this way.

  • Meilee Fu Agency


    299 Broadway Ste 805
    New York, NY 10007
    (212) 233-0606
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    I was very pleased with the service I received yesterday when I took out a
    new policy. You were quick, efficient and followed through immediately. I
    appreciate your persistence in making sure I received my temporary cards by
    email when my fax didn't work. It's always delightful speaking with you.

    I am very satisfy with what this agency has provided for servicing my auto

  • Steadfast Insurance Brokerage


    7 Chatham Sq # 8
    New York, NY 10038
    (212) 274-1805
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    I called for a quote after a referral from Progressive and after he responded that ""We don't write that insurance"", he hung up on me. Steer clear of this operation!

  • Aaa Insurance
  • All Risk Insurance Agency
  • Alwex
  • American Agents & Brokers
  • American E&s Insurance Brokers
  • American Marine Underwriters Agency
  • Andrew Murphy
  • Anna Truszkowski
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  • Arm - Capacity Of New York
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  • Castle Rock Agency
  • Chae Sung Kim
  • Chau Fu
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  • Cosmos Services America
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  • David Chin General Insurance Brokerage
  • David Goldstein
  • Demetriou General
  • Derrick F Howard
  • Dewitt Stern Group
  • Dick Flanagan
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  • Eastern Brokerage
  • Eileen Marie Rooney
  • Elizabeth Nunez
  • Emmanuel Osuyah Agency
  • Esther Jordan
  • Evan Loukatos
  • Francis Murphy
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  • Frank Eng
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  • Gary S Leonardi
  • General Marine, Inc.
  • Gfi Insurance Brokerage
  • Global Coverage
  • Gloron Agency
  • Goodrich-johnson Brkg
  • Gotham Brokerage Company
  • Grant L Getzoni Agency
  • Gross & Company
  • Gunn, Steers & Company
  • Hagedorn & Company
  • Harold L Lee & Sons
  • Hartan Brokerage
  • Haskell Brokerage
  • Helena Petroff
  • Hendrian & Hendrian
  • Henry Ordynans
  • Higger & Associates
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  • Honig Conte Porrin
  • Hub International
  • Hugh Wood
  • I David Gordon Associates
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  • Integro Insurance Brokers
  • Inter Insurance Agency
  • J & S Coverage
  • J P West
  • J W Allen Company
  • J Zamzok & Associates
  • James B Lavelle
  • James Heins
  • James J Sheppard
  • John Buttine
  • John L Vorbach Company
  • John Penn
  • Joselyn Urena
  • Joseph J Lewis & Son
  • Jp West
  • Jung Kim
  • Ka Lam
  • Kasmiro Mercedes
  • Kathryn E Murphy Insurance
  • Kathryn E Murphy Insurance Agency
  • Kevin Chen
  • Kevin Leong
  • Kevin Schaefer
  • Kingsbrook Brokerage Service
  • Krauter & Company
  • Lane Mcvicker
  • Lawrence H Joseph
  • Lezok
  • Linda Burchett
  • Lloyds Planning Services
  • Madison Avenue Brokerage
  • Maria Gamboa
  • Maria Peters
  • Marsh Usa
  • Max A Osa
  • Metlife Auto & Home
  • Michael Eng
  • Multi-line Insurance Agency
  • Nasdaq Insurance Agency
  • National City Service Agency
  • Nazim Khan
  • Nia Group
  • Nii Brokerage
  • Noah Agency
  • North Island Facilities
  • Penn Plaza Ny
  • Personal Risk Management Solutions
  • Peter R Delaurentis
  • Peter W Greenberg
  • Program Brokerage
  • Progressive Brokrage
  • R M Stephens & Company
  • Rbl Associates
  • Rex Wyon
  • Robert Capialbi
  • Robert L Stevenson Ii
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  • Royal Associates
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  • Sam Noah
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  • Stanley N Young
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  • Steinmetz International
  • Stephen Chin
  • Steven Y Salem
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  • Strategic Product
  • Swett & Crawford
  • Tanenbaum-harber Company
  • Taylor & Taylor Associates
  • Thania Salazar
  • The Heffner Agency
  • The Jls Group
  • The Mogil Organization
  • The Rubin Group Insurance
  • The Yergan Agency
  • Thurman Mckoy
  • Transportation Coverage Specialists
  • Travers O'keefe Insurance Agency
  • Unfcu Financial Services
  • Vanderbilt Properties Insurance Brokerage
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  • Vest Insurance Brokerage
  • Vincent Yam
  • Wells Fargo Insurance Services
  • Willis Of New York
  • Yolimar Brokerage
  • Alan Ryckman
  • Louise Scoville
  • Patsy Armour
  • Dianne Mayol
  • Latrisha Goeman
  • Tiffany Miao
  • Mitchell Shellenberger
  • Todd Lanigan
  • Roberto Smeby
  • Mihcael Fjelstad
  • Jenna Prosen
  • Guy Hansel
  • Traci Ridgley
  • Tonya Zipp
  • Yvonne Poist
  • Clifford Marley
  • Maurice Grandberry
  • Katie Loner
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  • Megan Howser
  • Sammy Traister
  • Max Vanavery
  • Norman Windt
  • Melvin Nadkarni
  • Esther Martindale
  • Adrienne Riha
  • Curtis Zeitler
  • Antwan Fode
  • Samuel Dejardin
  • Carsen Bynon
  • Evelyn Viggiani
  • Dianne Stuedemann
  • Natasha Franko
  • Elizabeth Gurung
  • Brett Ceniceros
  • Cheryl Frederickson
  • Wallace Birney
  • Howard Virola
  • Sylvia Kopischke
  • Daniel Greenhalgh
  • Alden Bushart
  • Terry Korando
  • Dora Glaspey
  • Gerald Eiden
  • Denzel Andrei
  • Sonya Cate
  • Victoria Perea
  • Deanna Yarboro
  • Norma Quinnell
  • Cornell Decou
  • Frank Rigsby
  • Wanda Lamos
  • Jace Evertt
  • Keshawn Heitmeyer
  • Irene Kuhar
  • Philip Woodmansee
  • Kathleen Ronk
  • Ian Pfeifer
  • Hazel Minshew
  • Harvey Bracy
  • Deeann Demsky
  • Frank Mehaffey
  • Ashwini Shanker Gamlin
  • Vivian Brigham
  • Theresa Denison
  • Edwin Wertenberger
  • Tommy Giering
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Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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