Good news for New York drivers: Jerry’s latest data shows that liability coverage in the Empire State averages about $890 per month. Since New York is a no-fault state with required personal injury protection (PIP), premiums are influenced heavily by medical claims, population density and the unique risks of driving in everything from Manhattan gridlock to Adirondack backroads. Over the past year we’ve helped 19,399 New Yorkers lower their costs, and drivers who switch with Jerry save an average of $-2,578 annually without sacrificing the protection they need.
Jerry compares quotes from up to 5 trusted insurers in New York to build your policy and help you secure the best price in minutes.
Save on New York insurance with Jerry
What New York drivers are paying right now
Auto insurance prices in New York shift constantly. Dense traffic, high medical claim costs, property damage trends and wildly different driving conditions across the state all play a role. A driver in Queens may pay double what someone sees in the Finger Lakes, even with a similar profile.
Jerry tracks live quotes across New York to give you a real, up-to-the-minute view of what drivers actually pay. Here are recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rates often. In New York, changes in congestion patterns, claim activity or even weather-related damage can nudge your renewal price in either direction.
4 smart ways Jerry helps New York drivers save on car insurance
The cheapest number isn’t the whole story. Smart saving starts with understanding what insurers look at in New York, adjusting only what you can safely change and keeping the protections that matter most.
Jerry compares real quotes, uncovers discounts and shows you exactly where you can cut costs.
Here are our top tips to help you spend less and worry less.
| How to save | Average New York driver savings |
|---|---|
| Compare quotes | 47% to 89% |
| Stack discounts | 25% to 32% |
| Pick the right deductible | 13% to 71%* |
| Opt into telematics | 68% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
New York has one of the most complex insurance landscapes in the country. Dense population centers like NYC and Buffalo drive up claim frequency, while rural areas face wildlife collisions and higher average speeds. Add in no-fault PIP requirements and some of the highest medical claim costs in the U.S. and insurers all price New York risk differently.
That’s why comparing rates side by side with Jerry is your fastest path to real savings.
Here’s where New York drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | New York drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: A few miles can mean a huge price swing. Drivers in Brooklyn, Yonkers or Syracuse often see much higher claim costs than drivers in rural counties. Jerry shows those price differences instantly so you can pick your best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Many New York drivers qualify for multiple discounts, like safe-driver rewards, multi-vehicle policies, paperless billing, student savings, even mature driver training in some cases. But not every insurer automatically applies them.Jerry finds the discounts you’re eligible for so savings don’t get left behind.
Key takeaway: Stacking discounts often delivers bigger savings than raising deductibles alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing your deductible is one of the easiest ways to adjust your premium. New York drivers face everything from icy upstate highways to bumper-to-bumper city traffic, so your deductible needs to be an amount you can comfortably cover if you have to file a claim.
Here’s what Jerry drivers are choosing for their deductibles:
To find your own best deductible:
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Review your car’s value (Jerry updates this monthly).
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Choose a number you can cover out of pocket.
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Compare how each deductible level changes your rate in real time.
The Jerry difference: Jerry displays instant pricing across multiple deductible levels so you can choose the best balance of cost and protection.
Jerry Agent Tip 4: Keep a clean driving record
In New York, few things raise your rate faster than a violation. Jerry data shows that a single ticket or minor infraction raises premiums by 68% on average in this state, and more serious violations like reckless driving or a DUI cost far more.
The most reliable way to keep your premium low is staying violation-free. Once a ticket or violation comes off your record, Jerry automatically re-shops your policy so you can capture savings as soon as you qualify.
Get personalized car insurance rates now
How to get better coverage without overpaying
New York requires 25/50/10 liability, PIP under no-fault rules and uninsured motorist coverage, but minimums rarely offer enough protection. Here are the coverage tiers you’ll see when you shop:
Minimum
$226 – $968/mo
Meets New York’s liability, PIP and UM requirements but doesn’t cover your own vehicle.
Full
$380 – $1,316/mo
Adds collision and comprehensive, usually required for leased or financed cars.
Preferred
$348 – $1,071/mo
Higher limits, lower deductibles and extras like towing or rental reimbursement mean better coverage.
Key takeaway: Start with your comfort around risk, where you drive and what your vehicle is worth. Jerry shows real-time pricing across all coverage tiers so you can choose confidently.
The cheapest policy in New York is liability plus required PIP and UM, but adding collision or comprehensive is often worth it given the state’s theft rates, dense traffic and weather-related claims.
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Coverage definitions
New York insurance factors at a glance
Insurance costs in New York reflect real-world risk, from congested city driving to rural wildlife collisions. Here’s what matters most and how to stay protected.
No-fault PIP system
Medical claims drive up premiums, especially in NYC and Long Island.
High traffic density
Urban areas see more crashes and higher repair costs, for which you’ll need collision coverage.
Theft risk
Certain models in NYC rank nationally for theft, making comprehensive coverage valuable.
Weather exposure
Upstate ice storms and lake-effect snow increase collision frequency.
New York Insurance After a Ticket, Accident or SR-22
Jerry makes sure one mistake doesn’t define your rate for years. We work with insurers that consider your entire profile, then re-shop automatically as your record improves.
If you got a ticket
New York uses a point system, and accumulating too many points in a short period can lead to surcharges or license suspensions. A single ticket can significantly increase your premium, though state-approved defensive driving courses may reduce points.
Jerry monitors your record and shops for lower rates once the violation clears.
Here are the average rate increases we’ve seen for New York drivers after a ticket:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 8%
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Reckless driving: 60%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
New York is a no-fault state for medical expenses but still uses an at-fault model for property damage. An at-fault property damage accident raises premiums by 8% onaverage and typically stays on record for three to five years.
Jerry finds your best available rate now and re-shops your policy once the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
New York imposes some of the strictest DUI penalties in the country, and insurance increases reflect that. A DUI typically raises premiums by -5%, with elevated rates lasting several years.
Some insurers still offer competitive high-risk pricing, though. Jerry identifies those carriers and continually re-shops as your record improves.
Here are the five cheapest insurers for New York drivers with a DUI:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $161 | Yes | |
| $792 | Yes | |
| $1,053 | Yes | |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in New York
New York doesn’t use SR-22 forms. Instead, the DMV handles insurance verification electronically and imposes strict penalties for lapses or driving without coverage. If you need to reinstate a suspended license, you must provide proof of insurance directly to the DMV, but no special certificate is required.
Jerry can help you transition back to lower-cost carriers as soon as your record allows.
Car Insurance with Bad Credit
New York allows insurers to use credit-based insurance scores when setting auto rates, which means your credit history can influence what you pay. It’s not the only factor as your driving record, prior claims, where you live and the coverage you choose all play significant roles… but weaker credit can still push your premium higher.
Even so, continuous coverage and a clean record go a long way. Jerry compares prices instantly so you can find the best possible rate, regardless of credit.
Average rates in New York by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
New York’s blend of no-fault rules, dense traffic, theft exposure and winter weather means there’s no one cheapest policy for everyone. The right coverage is the one that fits your real driving life.
Jerry makes that easy by matching you with strong, affordable protection and re-shopping your policy whenever your price can improve.
Get New York coverage in as little as 2 minutes
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
