Cheapest car insurance for high-risk drivers in New York

Cheapest car insurance in New York for a bad driving record

Drivers with a poor record in New York will find the lowest rates from Progressive, State Farm and Erie Insurance. Among these, Progressive provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,467 annually.

If you have accidents, DUIs or traffic tickets on your driving record, youll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain 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?

In New York, the average cost of high-risk car insurance is $2,906 per year. However, you may secure coverage from Progressive for as low as $2,467 annually. Even with a problematic driving record or poor credit score, affordable policies are available.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets or getting one for speeding in a school zone will boost your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

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

Although many insurance companies provide coverage after a DUI, Progressive offers the most affordable rate at $1,066 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in New York for drivers with a clean record versus those with a DUI.

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

Progressive is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,161 a year or $97 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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 most affordable rates for drivers with reckless driving convictions, averaging $1,468 per year.

Engaging in driving behaviors that put others at risk can lead to a reckless driving charge. A conviction for reckless driving results in higher car insurance rates.

The table below compares car insurance premiums for drivers with a clean record and those 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

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Cheapest car insurance in New York with bad credit

The cheapest New York insurer for bad credit is GEICO, with rates averaging $2,117 annually or $176 monthly. 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

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Cheapest car insurance after an accident in New York

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

Rochester has the cheapest car insurance rates in New York, averaging $2,581 a year. However, the most expensive city is New York, with average insurance rates of $4,117 annually.

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

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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: