- 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
- Compare New York high-risk driver car insurance rates with other states
Cheapest car insurance in New York for a bad driving record
Progressive, State Farm, Erie Insurance provides affordable car insurance for high-risk drivers with bad driving record in New York.
Traffic infractions, accidents and DUIs wind up on your driving record, meaning you'll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.
| 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 bad driving record or low credit score can significantly increase rates. While high-risk car insurance averages $2,906 in New York, you can find rates as low as $2,467 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.
Keep reading as we break down high-risk car insurance factors and rates.
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 |
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 provides the average cheapest coverage for $1,066.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after 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
Progressive is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $1,161 or $97.
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 |
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.
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
Geico offers the cheapest rates for drivers with poor credit at $2,117 or $176. However,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 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 |
Cheapest car insurance in New York by city
Rochester has the cheapest car insurance rates in New York at $2,581. But the most expensive city is New York with rates of $4,117.
Your location in New York also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance 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 |
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 New York 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.
Compare New York high-risk driver car insurance rates with other states
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