- Cheapest car insurance in New York for a bad driving record
- How much is high-risk car insurance in New York?
- Cheapest car insurance in New York with a DUI
- Cheapest car insurance in New York with multiple tickets
- Cheapest car insurance in New York with a reckless driving conviction
- Cheapest car insurance in New York with bad credit
- Cheapest car insurance after an accident in New York
- Cheapest car insurance in New York by city
- How to reduce car insurance rates in New York for a bad driving record
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.
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 |
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. However, you can get rates as low as $2,467 from Progressive.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
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.
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 |
Cheapest car insurance in New York with multiple tickets
The cheapest insurer for drivers with multiple tickets is Progressive, with rates averaging $1,161 or $97.
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 |
Cheapest car insurance in New York with a reckless driving conviction
Progressive has the cheapest rates for drivers with reckless driving convictions at $1,468.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| 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 |
Cheapest car insurance in New York with bad credit
The cheapest New York insurer for bad credit is Geico, with rates averaging $2,117 or $176. Fortunately, drivers with bad credit can still find affordable auto insurance.
Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistically, drivers with a low credit score fit that description.
Check out the table below to see how your credit score affects New York car insurance.
| 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 |
Cheapest car insurance after an accident in New York
Progressive has the lowest rates after an accident at $1,612. State Farm also has affordable rates at $2,266.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean 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 |
Cheapest car insurance in New York by city
Rochester has the cheapest car insurance rates in New York, averaging $2,581. However, the most expensive city is New York, with average insurance rates of $4,117.
Where you live in New York also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| 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 |
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.
Helpful auto insurance tools and calculators
You might also be interested in- Traffic ticket calculator in New York
- Non-owner car insurance in New York: Best and cheapest companies
- Low-income car insurance in New York: What you need to know
- New York car insurance guide
- Cheapest home and auto insurance bundle in New York
- Best condo insurance in New York for 2024
- Best and cheapest renters insurance in New York
- New York health insurance: Your options, costs and how to buy a plan
- Best and cheapest homeowners insurance in New York in 2025
- Best cheap car insurance in New York for 2024
