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Cheapest Car Insurance in New York

From breathtaking Niagara Falls to jaw-dropping New York City, the “Empire State” rivals the best of the U.S. for its variety of natural and man-made attractions. New York is home to just over 8 million residents, and NYC ranks as the most densely populated city in the U.S. And even with all these New Yorkers, the state’s pristine 176 state parks maintain the natural wonder of historic New England. It’s no wonder drivers from every state have made New York their vacation spot year after year, and is doing its job to make sure all these visitors and residents alike are protected while on the road, with plenty of information about New York laws and auto insurance from many companies, including ways to find the cheapest car insurance in New York. To help out, here’s a list of helpful facts every driver should know when driving in New York and looking for cheap car insurance in New York.

In addition to helpful facts for New York, we provide tips on how to find the cheapest car insurance in New York. Cheap auto insurance can be hard to find. With so many insurance companies and auto insurance coverage options, it can be hard to know which is the cheapest car insurance in New York. Those who live in New York will be able to explore the different coverage options and auto insurance companies, and ultimately find whatever cheap car insurance in New York is best for their situation. can help New York drivers explore insurance companies and coverage options to find cheap car insurance in New York with very little work.


New York seasons can change at the drop of a hat. Insurance laws and regulations aren’t much different, and this list of helpful facts will make sure drivers can stay up-to-date with all the changes in auto insurance and laws.

Minimum Requirements for Car Insurance in New York

  • The New York DMV states that every driver in New York must carry a minimum of liability insurance coverage on their vehicle.
  • New York Liability Auto Insurance Coverage minimums:
    • $25,000 for individual injury and $50,000 for individual death in a car accident.
    • $50,000 for multiple individuals’ injuries and $100,000 for multiple deaths in a car accident.
    • $10,000 for property damage.
  • New York requires a vehicle to be insured in order to register the vehicle in the state. Also, the name on the auto insurance and registration paperwork must match.

New Driver Licensing Requirements

To operate a car in the state of New York, a driver must be 16 years of age or older and have a valid drivers license. If the driver is under 18, the driver must follow the restrictions listed on the New York DMV website. The following lists the requirements to obtain a NY drivers license.

  • Vision Test.Every driver must pass the vision test with a visual acuity of 20/40 or better. An applicant can have the test performed by any of the following professionals:
    • Physician
    • Physician’s assistant
    • Ophthalmologist
    • Optician
    • Registered nurse
    • Nurse professional

    A Vision Test Report must be submitted by the professional or by the vision care provider listed in the DMV Online Vision Registry. If it is determined that the applicant requires corrective lenses, a license with a “B” restriction may be issued. Two other vision restrictions include:

    1. Telescopic Lenses: A “Telescopic Lenses” restriction can be placed on a drivers license after the applicant submits an Eye Test Report for Medical Review Unit form.
    2. Daylight Driving Restriction: This restriction can be placed on a driver’s license if the vision professional determines their night vision is impaired.

    Each vision restriction can be removed by taking the necessary steps listed on the NY DMV website.

  • Written Test. Access the Driver’s Manual and Study Guide to prepare for the written test. An applicant must complete either a Driver Education Course, a Pre-licensing Course or pass the written test prior to scheduling the road test.
    If the applicant is under age 18, 50 hours of supervised driving experience must be documented with a Certificate of Supervised Driving. Included within the 50 hours must be 10 hours in moderate to heavy traffic and 15 hours of night driving.
  • Road Test.The car used in the road test must be safe, insured and registered, and it must be driven to and from the testing facility by a licensed driver. The road test evaluates the applicant’s skills in each of the following areas:
    • Steering
    • Acceleration
    • Braking
    • Clutch/Gears
    • Speed
    • Communication
    • Observation
    • Traffic signs, signals and markings
    • Following distance
    • Stopping position
    • Lane selection and position
    • Anticipation and reaction
  • Pay a License Fee. Each applicant is required to pay licensing fees after completing the testing requirements. These fees range from $64.25 to $107.50 depending on the type of license and endorsements. A full list of fees can be found at
  • If under 18 years of age, the applicant must wait 6 months from the date the learner’s permit was released to schedule a road test.


  • BAC limit: .08 The New York DMV website has published a document providing all the necessary information regarding New York DUI/DWI laws. Following is a summary of New York’s relevant DUI/DWI violations. While aggravated DUI (BAC of .18 or higher) holds more severe penalties and Driving While Ability Impaired (BAC .05 to .07) holds less severe penalties, DWI (BAC .08) is included here to provide an average example.
  • First Offense:
    • Misdemeanor
    • Minimum $500 and maximum $1,000 fine.
    • Maximum 1 year imprisonment.
    • Age 21 and older receives a minimum 6 month license revocation, and under 21 receives a minimum 1 year license revocation.
  • Second Offense within 10 Years:
    • Class E Felony
    • Minimum $1,000 and maximum $5,000 fine.
    • Maximum 4 years imprisonment.
    • Age 21 and older receives a minimum 1 year license revocation, and under 21 receives a 1 year revocation or until age 21, whichever is longer.
  • Third Offense within 10 Years:
    • Class D Felony
    • Minimum $2,000 and maximum $10,000 fine.
    • Maximum 7 year imprisonment.
    • Age 21 and older receives a minimum 1 year license revocation, and under 21 receives a 1 year revocation or until age 21, whichever is longer.

Texting & Driving Laws

According to, New York has issued a temporary ban on texting and handheld devices for all drivers to avoid accidents and injury.

Unique Laws

While the penalty for jumping off a building in New York is death, flirting only holds a $25 fine! But for drivers, if one ever gets a chance to drive an ice cream truck, remember that it is illegal to back up to make a sale!

Here is the information on cheap car insurance in New York to help you find the cheapest car insurance in New York for your county, with many companies to choose from.


Best Cheap Car Insurance Quotes for New York

Kings County Car Insurance

Only 71 square miles, Kings County is the second most densely populated in the state after New York, with 2.6 million inhabitants, or an average of 37,137 people per square mile.

Kings County, New York is coextensive with Brooklyn, one of New York City's five "boroughs." Interestingly, nearly 40 percent of Brooklynites are foreign born. The Kings County-Brooklyn shoreline includes the historic and famous Coney Island amusement park. Among the most popular draws for visitors are Brooklyn Bridge and Park, Brooklyn Heights Promenade and Botanic Gardens.

County Sedan Suv Coupe Truck Hybrid

Queens County Car Insurance

Queens is both a borough and county within New York, and the most ethnically diverse in the U.S. It is traversed by many expressways as well as many New York City subway lines.

The largest borough in New York, land-wise, Queens is roughly half urban and half suburban. It is served by two large airports, JFK International and LaGuardia. It is also home of the New York Mets and the U.S. Open tennis tournament.

County Sedan Suv Coupe Truck Hybrid

New York County Car Insurance

New York state's most densely populated county is also the nation's, with an average of 72,033 people per square mile. New York County is coextensive with the borough of Manhattan, thus there is no county government. Made up of one large and several tiny islands at the mouth of the Hudson River, it is home to the United Nations headquarters, Central Park and Wall Street.

Popular with visitors is the National 9/11 Memorial, Central Park, Empire State Building, Metropolitan Museum of Art and Statue of Liberty. Not all of its highlights are well known: The "mMuseumm," as it is known, is arguably the state's smallest, built in a former elevator shaft and boasting exhibits such as the infamous shoe hurled at George W. Bush.

County Sedan Suv Coupe Truck Hybrid
New York$1,388.00$1,051.00$1,491.00$1,259.00$1,323.00

Suffolk County Car Insurance

Named for Suffolk, England, this suburban, Long Island county was one of the original 12 founded by early settlers and the easternmost county in the state. The county seat is Riverhead, a town of about 34,000. Aside from fresh seafood, visitors enjoy Fire Island National Seashore in warm weather, the Long Island Aquarium and Exhibition Center and a number of vineyards, breweries, museums and theaters.

Riverhead's upscale, art deco Suffolk Theater was once called the "Radio City Music Hall of Long Island." Suffolk County is also the location of the infamous Amityville Horror House on Ocean Avenue, though its address and exterior have been changed for privacy.

County Sedan Suv Coupe Truck Hybrid

Bronx County Car Insurance

Bronx County encompasses the only New York City borough located on the U.S. mainland. It's connected to Manhattan by more bridges than any other borough, including the oldest standing bridge in the city, built over the Harlem River in 1843.

Known as the birthplace of hip hop, the Bronx is home to the New York Yankees and was once the home of author Edgar Allan Poe. The world's largest metropolitan zoo, the 265-acre Bronx Zoo, and the largest park in New York City, Palham Bay, are all located in the Bronx. Its Woodlawn Cemetery is arguably the final resting place of more famous people than any place in the world.

County Sedan Suv Coupe Truck Hybrid

Nassau County Car Insurance

Along with Suffolk County, Nassau County is considered by locals as Long Island, even though the boroughs of Queens and Brooklyn are located on the island's west end. The county seat is the Village of Garden City.

The Cradle of Aviation Museum and Long Island Children's Museum are located in Garden City. Also in Nassau County is the City of Long Beach, a densely populated city less than a mile wide and about 3 miles long. Nicknamed "City by the Sea," Long Beach has a popular boardwalk that has been rebuilt since being destroyed by Tropical Storm Sandy.

County Sedan Suv Coupe Truck Hybrid

Westchester County Car Insurance

The second most populous mainland county after the Bronx, Westchester is located in the southern end of the state. Home of many American novelists and 20 national historic landmarks, Westchester has about 1 million residents living within its 450 square miles.

Among Westchester County's villages is Sleepy Hollow. The Sleepy Hollow Cemetery is the resting place of author Washington Irving, whose 1820 short story, "The Legend of Sleep Hollow," was set in the nearby Old Dutch Burying Ground. Popular in the summer, the Hudson Park and Beach is located in New Rochelle.

County Sedan Suv Coupe Truck Hybrid

Erie County Car Insurance

Named for the adjacent Great Lake, Erie County, New York, is part of the Buffalo-Niagara Falls metro area. Plans to consolidate the county with its seat of Buffalo have been both proposed and opposed in recent years. The city known for its spicy wing sauce is the second most populous city in the state after New York City.

Buffalo's "canalside" development is a popular spot for locals and visitors, with concerts in the summer and ice skating in the center. One of its nicknames is the "city of light," since it was among the first cities to have electric street lamps. It didn't hurt that nearby Niagara Falls provided an abundant supply of hydroelectric power.

County Sedan Suv Coupe Truck Hybrid

Monroe County Car Insurance

Located along Lake Ontario's southern shore, Monroe County is named for the 5th U.S. president. Due to a phenomenon called "the lake effect," the county sees an average of 95 inches of snow per year, and its residents carry on with life regardless.

The county seat is Rochester, which boasts the least expensive real estate market of all the major New York cities. It also has complicated parking rules, and is the birthplace of the S'more, the voting machine and baby shoes. Tourist attractions include the Strong National Museum of Play, Finger Lakes Wine Country and Seabreeze Amusement Park.

County Sedan Suv Coupe Truck Hybrid

Richmond County Car Insurance

Encompassing the borough of Staten Island, Richmond County is a suburban area accessible to Manhattan by the Staten Island Ferry, which is also a popular tourist attraction because of its views of the Statue of Liberty and Ellis Island. Until 1975, it was known as the borough of Richmond.

The county is home to artists and musicians who want easy access to Manhattan, but with more space to live and work. Staten Island's green space includes 28 miles of walking trails, an undisturbed forest and seven parks.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
New York$1,388.00$1,051.00$1,491.00$1,259.00$1,323.00
St. Lawrence$833.00$689.00$845.00$798.00$858.00
Yates$895.00$671.00$907.00$838.00$859.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums.

New York auto insurance consistently ranks well above average compared to the national average in both categories. reports that New York auto insurance premiums have remained higher than the national average since 1991.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration reveals that New York’s drunk driving fatalities have been below the national average for several years. Compared to the rest of the U.S., New York appears to have curbed its drunk driving numbers well.

Teen Drinking and Driving

Teens in New York drink and drive much less than the national average.

Vehicular Theft in New York

The FBI reports that New York’s auto thefts have declined in recent years, and they remain well below half the national average.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversGeico
Young driversGeico
Drivers with an at-fault crashGeico
Drivers with poor creditProgressive
Retired driversGeico


State Department of Insurance

New York Department of Financial Services
For a list of DFS offices and to get directions, visit
Contact the Consumer Hotline at (800) 342-3736
Local calls can be made to (212) 480-6400

Department of Transportation

New York Department of Transportation
To locate a New York DOT office and to get directions, visit
(518) 457-6195

Department of Motor Vehicles

New York Department of Motor Vehicles
For the department’s website, to find a local office and to get directions, visit
(518) 473-5595

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