If you are looking to purchase a new car in New York, you may want to consider using a car insurance calculator to figure out what you can expect to pay. The cost of auto insurance in New York can vary by city and zip code. In addition to the location, factors such as age, credit history and driving record can affect your rates.

In order to find the cheapest insurance in New York, you will need to compare car insurance quotes from several different companies. Many carriers offer competitive rates. Before you make a decision, however, you should check to see if there are any special discounts available for your driving habits.

The New York State Department of Financial Services has a website to help you with car insurance. You can use the site to get a non-binding quote. It should take less than ten minutes and will give you an estimate of your annual premium.

New York car insurance costs can be higher than those in nearby states. However, you may be able to save money by bundling your policies. For instance, most carriers offer discounts for drivers who bundle their car insurance with home, life or other policies.

Depending on the age of the driver, a car insurance calculator will recommend the highest or lowest level of coverage. For example, a 35-year-old male with a clean driving record can expect to pay around $2,996 for full coverage. This includes collision, comprehensive and uninsured/underinsured motorist coverage.

Some people choose to have more than the state’s minimum coverage limits. The law in New York requires all drivers to carry bodily injury liability insurance and uninsured/underinsured motorist coverage. These insurance policies will cover the cost of repairing or replacing another person’s property or injuries if the driver is at fault. Additionally, you can get rental reimbursement coverage if you need to rent a car while yours is in the shop.

Another popular coverage option is roadside assistance. Drivers in the state can use this service to call for towing or repair when their vehicle is in the shop. Although it is an extra cost, some people prefer this coverage.

In addition to the minimum requirements, New York state requires its residents to have personal injury protection (PIP) to cover injuries and lost wages after an accident. PIP also provides other benefits, including covering medical bills.

As a result, drivers with poor driving records pay the highest premiums. Young adult drivers also tend to pay more than older adults.

Drivers with good credit pay the cheapest rates. On average, a 40-year-old male with a clean record and a good credit score will pay roughly $435 per year for a comprehensive and collision policy with a $1,000 deductible.

Other factors that affect insurance rates include your age, marital status and your ZIP code. Your zip code can influence your rate if you live in a densely populated area. Also, the type of car you drive can affect your insurance costs. Expensive vehicles are likely to attract a higher premium.