Driving in New York City can be challenging thanks to heavy traffic, unique driving laws, and many pedestrians and cyclists. But even if you’re a seasoned pro who’s mastered the city’s “no right on red” rule and found a hidden gem of a parking garage, you still need to protect your vehicle with the right car insurance policy in case of an accident.

To help you on your search for car insurance in New York City, we’ve gathered quote data from real Jerry customers to help you preview potential rates and see how your driving record, age and policy preferences affect your premium costs.

Cheapest minimum coverage insurance in NYC

Here are the required minimum car insurance coverages in New York:

• $10,000 for property damage per accident.
• $25,000 for bodily injury and $50,000 for harm resulting in death per accident.
• $50,000 for bodily injury and $100,000 for death of two or more people in an accident.

Uninsured and underinsured motorist bodily injury (UM/UIM) of:

• $25,000 per person per accident. 
• $50,000 per accident to protect against injuries caused by uninsured or hit-and-run drivers.

Personal injury projection (PIP) of:

• $50,000 per person, regardless of fault, to cover medical expenses, lost earnings and other damages.

These are some of the cheapest quotes for minimum coverage real New York City residents received via Jerry.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in NYC

Full coverage insurance combines the state’s minimum required liability coverage with collision and comprehensive protections. Liability insurance covers injuries or property damage you cause to others in an accident, while collision coverage helps pay for repairs to your vehicle after an accident, regardless of fault. Comprehensive coverage protects against non-collision-related damages, such as those caused by weather, animal collisions or theft.

These are some of the cheapest quotes real Jerry customers got for full coverage in New York City.

Cheapest car insurance for young drivers in NYC (18-29 years old)

Car insurance tends to get cheaper as you reach your late 20s, but young drivers can still find affordable rates. These are some of the cheapest quotes that Jerry customers between the ages 18 and 29 years old have received in New York City.

Cheapest car insurance for mature drivers in NYC (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in NYC

Cheapest car insurance for drivers with low credit scores in NYC

A credit score below 550 will likely lead to higher car insurance costs, but it still may be possible to find a good rate. Here are the lowest quotes Jerry customers in New York City with low credit scores have received.

Cheapest car insurance for drivers with at-fault accidents in NYC

An at-fault accident can cause your car insurance costs to rise. Here are some of the cheapest rates New York City drivers have received after an at-fault accident.

Cheapest car insurance for drivers with speeding tickets in NYC

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.