Cheap Car Insurance Quotes NY
Cheap Car Insurance Quotes NY: How much is car insurance in NY per month
Auto insurance is an important purchase, but finding cheap car insurance in New York isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers. The cheapest car insurance company in New York is NYCM at $1,053 per year on average, or $88 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in New York. Meanwhile, the average cost of full coverage car insurance in New York is $2,209 per year or about $184 per month. Minimum coverage in New York is $853 per year on average, but we found you can likely get a cheaper policy. For example, NYCM offers the cheapest rates in New York at $380 per year, on average, for minimum coverage of car insurance for a 35-year-old driver with a clean driving record. Want the absolute best auto insurance? Check out our roundup of the best car insurance in New York.
Cheap car insurance in New York for 20-year-olds: How much is car insurance in NY per month
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it’s best to shop around to find them.
Cheapest full coverage car insurance in New York for 20-year-olds
Drivers in New York with clean driving records may want to consider the following companies, which had the lowest average rates:
- NYCM: $1,548 per year, or about $129 per month.
- Main Street America: $1,988 per year, or about $166 per month.
- Progressive: $2,172 per year, or about $181 per month.
- Erie: $2,346 per year, or about $196 per month.
- The Hanover: $3,152 per year, or about $263 per month.
Cheapest for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in New York for 30-year-olds
Drivers in New York who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:
- NYCM: $1,146 per year, or about $96 per month.
- Main Street America: $1,220 per year, or about $102 per month.
- Erie: $1,291 per year, or about $108 per month.
- Progressive: $1,292 per year, or about $108 per month.
- Preferred Mutual: $1,341 per year, or about $112 per month.
Cheapest for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in New York for 40-year-olds
Drivers in New York with clean driving records may want to think about the following companies, which had the lowest average rates:
- NYCM: $1,003 per year, or about $84 per month.
- Main Street America: $1,075 per year, or about $90 per month.
- Erie: $1,218 per year, or about $102 per month.
- Progressive: $1,242 per year, or about $104 per month.
- Preferred Mutual: $1,341 per year, or about $112 per month.
Cheapest for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in New York for 50-year-olds
Drivers in New York with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
- NYCM: $924 per year, or about $77 per month.
- Main Street America: $1,064 per year, or about $89 per month.
- Preferred Mutual: $1,103 per year, or about $92 per month.
- Erie: $1,148 per year, or about $96 per month.
- Progressive: $1,174 per year, or about $98 per month.
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Your auto insurance coverage should adapt to your changing needs. You can make sure you’re not overpaying for insurance by periodically reviewing your policy and modifying your coverage as necessary. For instance, you might be able to lower your premiums by dropping collision or comprehensive coverage if you’ve paid off your auto loan or if the value of your car has significantly decreased. Similarly, it’s critical to update your policy to appropriately reflect your current circumstances if you’ve recently moved or gone through other life changes. It takes the initiative to find low-cost auto insurance quotes in New York, and you have to be open to considering your options. You can save a lot of money on your auto insurance by knowing your needs, comparing quotes, taking advantage of discounts, thinking about usage-based insurance, keeping up a good credit score, and routinely reviewing your coverage. You can drive with confidence knowing you’re well-protected without going over budget if you save enough money.
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