Cheapest car insurance for high-risk drivers in New York

Cheapest car insurance in New York for a bad driving record

If you have a poor driving record in New York, Progressive, State Farm, Erie Insurance are the cheapest options. Progressive has the lowest annual rate at $2,467 per year.

Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Progressive	$1,020	$2,467
State Farm	$1,951	$2,490
Erie Insurance	$1,814	$2,761
Allstate	$2,056	$2,830
GEICO	$1,736	$2,929
Travelers	$2,677	$3,503
USAA	$1,557	$2,094

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How much is high-risk car insurance in New York?

A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In New York, high-risk car insurance costs $2,906 per year. However, you can get rates as low as $2,467 annually from Progressive.

Although you may be labeled high-risk for many reasons, some factors raise rates more than others. For example, multiple speeding tickets may significantly raise car insurance rates, but so can a single ticket for excessive speed in a school zone.

Read on as we explain high-risk car insurance factors and rates below.

Average annual car insurance rate for At-fault bodily injury accident in New York, NY is $2,617

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Company	Annual premium for clean record	Annual premium after violation
Progressive	$1,020	$1,612
State Farm	$1,951	$2,329
GEICO	$1,736	$2,672
Allstate	$2,056	$2,741
Erie Insurance	$1,814	$2,807
Travelers	$2,677	$3,304

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Average annual rate

PEOPLE ASK:

Who is considered high-risk for insurance in New York?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

Cheapest car insurance in New York with a DUI

While many insurers offer coverage after a DUI, Progressive has the lowest rate at $1,066 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. a DUI in New York.

Company	Average annual premium for clean record	Annual premium for a DUI
Progressive	$1,020	$1,066
State Farm	$1,951	$2,140
Allstate	$2,056	$2,889
Erie Insurance	$1,814	$2,978
Travelers	$2,677	$3,240
GEICO	$1,736	$4,769
USAA	$1,557	$2,235

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Cheapest car insurance in New York with multiple tickets

The cheapest insurer for drivers with multiple tickets is Progressive, with rates averaging $1,161 annually or $97 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows New York drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Progressive	$1,020	$1,161
State Farm	$1,951	$2,140
Erie Insurance	$1,814	$2,292
GEICO	$1,736	$2,421
Allstate	$2,056	$2,528
Travelers	$2,677	$3,158
USAA	$1,557	$1,738

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Cheapest car insurance in New York with a reckless driving conviction

Progressive offers the cheapest rates for drivers with reckless driving convictions at $1,468 per year.

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

Company	Average annual premium for clean record	Annual premium for reckless driving
Progressive	$1,020	$1,468
State Farm	$1,951	$2,140
Erie Insurance	$1,814	$2,292
Allstate	$2,056	$2,889
Travelers	$2,677	$3,240
GEICO	$1,736	$3,429

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Cheapest car insurance in New York with bad credit

In New York, GEICO provides the lowest premiums for drivers with poor credit, averaging $2,117 per year or $176 per month. Even with a low credit score, you can still find affordable auto insurance.

While your credit score doesn't reflect your driving ability, it can impact your car insurance rates and place you in a higher-risk category. Insurers view lower credit scores as an indicator of increased risk based on statistics showing that these drivers are more likely to file claims.

Check the table below to see how credit scores impact car insurance costs in New York.

Company	Annual premium for good credit	Annual premium for bad credit
GEICO	$1,736	$2,117
Allstate	$2,056	$3,616
State Farm	$1,951	$4,235
Erie Insurance	$1,814	$4,423
Travelers	$2,677	$5,068
Progressive	$1,020	$8,779
USAA	$1,557	$3,018

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Cheapest car insurance after an accident in New York

Progressive has the lowest rates after an accident at $1,612 a year. State Farm also has affordable rates at $2,266 a year.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Progressive	$1,020	$1,612	$2,056
State Farm	$1,951	$2,266	$2,991
GEICO	$1,736	$2,421	$3,604
Allstate	$2,056	$2,741	$3,403
Erie Insurance	$1,814	$2,807	$3,839
Travelers	$2,677	$3,247	$4,068
USAA	$1,557	$1,861	$2,638

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Cheapest car insurance in New York by city

In New York, the lowest car insurance rates are found in Rochester, averaging $2,581 annually. On the other hand, New York has the highest rates at $4,117 a year.

Where you live in New York matters, too. If you're in an area with heavy traffic or a high rate of vehicle theft, your premiums will rise to reflect the increased likelihood of claims.

City	Average annual premium for clean record	Annual premium for high-risk driver
Rochester	$1,683	$2,581
Ithaca	$1,708	$2,586
Cohoes	$1,713	$2,653
Green Island	$1,730	$2,679
East Syracuse	$1,759	$2,693
Marcy	$1,809	$2,778
Niagara University	$1,881	$2,888
Newburgh	$2,092	$3,308
Briarcliff Manor	$2,158	$3,402
New York	$2,600	$4,117

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How to reduce car insurance rates in New York for a bad driving record

Finding affordable car insurance in New York is possible, even with a bad driving record. Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

PEOPLE ASK:

How long are you considered a high-risk driver in New York?

Three years is common, but how long you are considered a high-risk driver in California depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on: