Car insurance in New York
Minimum requirements and how to get cheap auto insurance in New York
Minimum requirements and how to get cheap auto insurance in New York
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If you live in New York or you’re planning to move there soon, get an idea of what’s required when it comes to auto insurance. Read on to learn more about average costs, state laws and more.
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New York averages $1,350 annually for standard car insurance coverage, which puts it slightly above the national average of approximately $1,300. Costs vary within the state based on your driving history, vehicle and level of coverage.
Location is one of many factors that can affect your insurance rate. For example, a driver who lives and parks their car in downtown Manhattan could pay more to insure their car than someone up in Woodstock. City living comes with some extra risks for vandalism and theft, plus driving in tight traffic more often tends to mean you’re at a greater risk for accidents.
While the state average is in the $1,300 range, you could pay more or less depending on your situation. To give you an idea of how much you might pay for car insurance, compare sample quotes for drivers living in the state of New York. These rates are for a married driver with good credit wanting great coverage for a newer sedan.
|Company||Average annual rate||Learn more|
|State Farm||$2,590||Read review|
Looking for some ways to save money on your auto insurance in New York? No matter what state you’re in, there are many ways to lower your premiums and get a better value out of your coverage.
When shopping for car insurance, you’ll sometimes see this written as 25/50/10.
Some states, including New York, require you to purchase uninsured or underinsured motorists coverage (UM/UIM coverage), which protects you in an accident with someone without proper insurance coverage. New York’s laws require a UM/UIM minimum equal to that of the regular liability coverage.
You can also get additional types of insurance to better protect yourself, including:
Because the state of New York mandates a minimum level of coverage to legally drive, you can expect fines, suspension of your license and registration or even jail time, especially if it’s a recurring offense.
If you have insurance coverage but simply don’t have your insurance card with you, it’s likely you’ll get a ticket. Some times you can contest the ticket by mailing a copy of your insurance card and have the fee waived.
As of April 2015, drivers in New York are able to display proof of insurance electronically in addition to the paper card. That means having a copy of your insurance on a phone, tablet or laptop is just fine. Because technology sometimes lets us down when we need it most, keeping the card in your glove box is probably a good idea.
Believe it or not, you can deposit $25,000 with the New York State Treasury office and get a certificate of financial responsibility. Your certificate counts as proving you have insurance during a traffic stop or accident.
New York has a very low number of uninsured drivers — about 6%, which is less than half the national average of 13% in 2015. And since the state requires uninsured motorist coverage, you should be well protected against uninsured drives if you’re in an accident.
Yes, you can. You might need coverage for a short time for a borrowed car or rental car. It’s perfectly legal to purchase short-term car insurance for less than six months, but most insurance companies won’t offer this option.
Your best option might be to call your current insurance provider or contact an online provider to find out what your options are. Look for a policy that lets you cancel for no or low fees, and transfer to a more long-term option when you’re ready.
New York’s laws are the same as anywhere else in the country when it comes to regular and commercial drivers over 21, but the state’s zero tolerance policy has caveats that address underage drinking. Police will charge you with driving while intoxicated (DWI) if you test at:
First DWI offense
Second DWI offense. If you get a second DWI charge within 10 years, you face:
These offenses, while similar to DWI, are slightly different and tend to involve slightly different consequences.
Unlike other states, New York doesn’t require drivers with DUI convictions to file SR-22 insurance — a certificate that tells the state you have the minimum coverage required to get behind the wheel. If a driver is required to file one, they’ll be notified by the state.
Car accidents can be unsettling and scary, even if it was just a small fender bender. Stay calm and follow these steps to keep your process as simple and safe as possible.
New York is a no-fault or torte state, meaning that victims of a car accident are typically reimbursed by their own insurance company for damages regardless of who was responsible for causing the accident. However, if the state believes your injuries are serious enough to warrant an exemption from the no-fault rule then you’re allowed to sue the party who’s to blame for the accident.
If anyone is killed, if there is an injury or if there is property damage greater than $1,000, you have to report the accident to local law enforcement right away. If law enforcement is not called to the scene of an accident, you’ll need to complete a Report of Motor Vehicle Accident and file it with the DMV no more than 10 days after the accident.
After minor accidents, it may not be necessary to get a lawyer. However, you may want to consider it if:
Getting the right car insurance could make all the difference when it comes time to filing a claim, and depending on your circumstances, it could mean buying a policy with more coverage than the bare minimum. Shop around and compare your options to find the best value, and work with your provider to build a policy that works for you.
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