No matter where you call home in New York – from its bustling metropolitan city centers to its quiet lake shores – 242,769 miles of roads make up New York State. At GEICO, we can help get you on those roads affordably with car insurance tailored to meet your budget needs and coverage options. Use our auto insurance calculator for quick estimates of potential payments for different coverage amounts and options.
We conducted extensive rates analysis across New York state for drivers across all age, location and driving history rating factors to compare average premiums by rating factor, such as age. We also compare minimum coverage against full coverage costs.
New York state requires minimum car insurance requirements of $25,000 in bodily injury liability per person up to $50,000 and $10,000 of property damage liability per accident caused by you. This coverage helps cover injuries to others and vehicle repairs following an accident caused by you. In addition, personal injury protection (PIP) and uninsured/underinsured motorist coverage is mandated in case any of you or your passengers are injured by someone without enough car insurance coverage who doesn’t carry enough.
As well as meeting minimum coverage levels, many drivers elect to add comprehensive and collision coverage for additional protection in case of collisions or theft. While comprehensive/collision policies typically have higher deductibles than standard policies, it’s essential that drivers select an amount they can comfortably pay if an accident does occur.
Our auto insurance calculator allows you to estimate your rate based on various factors, including location, car type and driving history. However, as different car insurers calculate rates differently and no two drivers share identical driving profiles, your exact quote may differ from these estimated quotes shown here; so always compare quotes from multiple providers when searching for car insurance in New York.
As an estimate of what New York car insurance might cost, we compared rates from top-rated companies for a 30-year-old single male driver with excellent credit and no prior record. On average, full coverage premiums in New York were estimated to cost $625 monthly or $743 annually. To help find you the ideal rate we recommend entering your information below for personalized quotes.