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NY Car Insurance - Cheap New York Auto Insurance

New York Insurance Information

Home to almost 20 million people, New York is the third most populous state in the U.S. New York City is also the most populous city in the country, with 8.4 million residents. The state has a long, rich history thanks to its key role in the fight for American independence. In fact, roughly one-third of the battles during the American Revolution happened in New York. The state earned its independence on July 9, 1776 and eventually became the eleventh state to join the union. New Yorkers enjoy the best of both worlds-access to a picturesque countryside as well as proximity to a bustling, thriving cultural and economic metropolis. Whether you live in the city or a pastoral area of the state, this is the place to purchase your New York auto insurance.

If you drive a vehicle in New York, a New York car insurance policy will allow you to comply with state law and safeguard your financial stability. Typically, in order to find New York auto insurance quotes that fit into your budget, you have to visit multiple sites, researching various companies and requesting offers. We have eliminated that inefficiency, collecting all the resources you need to find your policy on one page. Here, you will find information about NY car insurance laws and companies as well as an opportunity to request New York car insurance quotes. These resources are free to you and come without obligation.

To begin searching for New York auto insurance quotes, simply enter your ZIP code in the form above. Upon submitting the simple online application form, you will see the best rates available in your region for the coverage you need. We have teamed up with multiple New York car insurance providers, so you will see at least four or five offers from various carriers. You can select any one of these insurers to issue your policy or you can save your quotes on car insurance and return later. Review offers on New York auto insurance in your city now.

New York Population Data At-a-Glance

19,465,197 total population
38 average citizen age
93 males per 100 females
5 number of cities with > 100,000 residents
New York City largest city in the state

Vital New York Insurance Facts

It is truly important to have a healthy understanding of your state's insurance regulations and facts. This will ultimately make it easier to administer and customize your policy. Enjoy driving again by assuring you meet fundamental requirements such as the state minimum coverage and any other additional coverages needed for your specific situation.

Average Annual New York Insurance Premium Payment


About $104.33/Month. New York ranks as the 23rd most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?


State Minimum Coverage Requirement


Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)


Or About 973,260 Uninsured Drivers in the State of New York

NY Licensing Rules & Regulations

In regards to motor vehicle licensing rules and regulations, every state is different. Check that you are complying with the laws to abstain paying fines and other punishments. Infringements such as operating a vehicle with open alcoholic beverage containers may bring serious consequences, although this depends on your state statutes.

Learner's Permit

16 Years

Unrestricted License

17 Years

Renewal Frequency

8 Years

Safety Requirements, Handheld Devices in New York

Responsible insurance policyholders should aim to meet all pertinent safety requirements. The rules and codifications concerning cell phone usage and text-messaging while driving are diverse among individual states. Ascertain and retain the laws of the area in which you plan to drive.

Seatbelt Offenses


Motorcycle Helmets

All Ages

Handhelds Banned?


Text-Messaging Banned?


New York Impaired Driving Laws

Impaired driving laws can change significantly between each state. Although it is perpetually critical to not drink and drive, maintaining knowledge of the impaired driving limits in your community can help you decide whether to operate a motor vehicle.

Under 21 Limit


Individual Limit


Extreme Limit


Financial Penalty Estimate


Minimum License Suspension

180 Days

Maximum Jail Sentence

365 Days

SR-22 Required?


Open Container Law