Cheap Car Insurance for First-time Drivers in New York

This would be a quick read if we could simply give you the name of the one best company that has the most affordable insurance in New York. It’s just not that easy, however, as there are a whole slew of unknowns like what deductibles you want to use, if you are a woman or a man, and the type of vehicle you drive, that all factor into the price you pay. The content below covers the best ways to find cheap auto insurance and will hopefully give you a good beginning to your search for cheaper coverage.

The make and model of vehicle that is being insured is a large consideration that determines if you can find cheap auto insurance for first-time drivers in New York. Vehicles with lots of horsepower, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models.

The lists below outlines insurance rates for a selection of the cheaper automobiles to buy insurance for.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in zip code location which can revise coverage rates noticeably.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in specific garaging location which can decrease or increase premium rates noticeably.

Price data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in zip code location which can impact rates greatly.

Finding good, cheap auto insurance is challenging, and determining which company quotes the lowest-priced car insurance rates for first-time drivers will take a bit more work. Insurance premiums should be significantly greater than the average rate in New York because of the additional risk that comes with selling coverage for new drivers, but competitive insurance should be achievable with a little diligence.

Every insurance company uses a little different formula for filing rates in each state, so we need to take a look at the car insurance companies with the most affordable rates in New York. It’s a good idea to know that New York car insurance rates are calculated based on many things which can substantially decrease or increase the price you have to pay. This price variability is why it is so important to take the time to shop around when trying to find the most affordable auto insurance rates for first-time drivers. Insurance rates can be determined by many things and can increase or decrease at any time, so the best price when you bought your policy may now not even be in the top five.

Cheapest Insurance Rates for Inexperienced Drivers

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USAA quotes some of the lowest car insurance rates in New York at around $1,163 a year. Erie, Progressive, Allstate, and Utica National also rank well as some of the best New York insurance companies.

In this example, if you currently have a policy with Allstate and switched to Erie, you may realize savings of in the vicinity of $299. New York drivers with Utica National may save as much as $307 a year, and Travelers customers might reduce prices by as much as $333 a year.

If you want to see how much you could save, click here to start your free quote or click through to the companies below.

Remember that these estimates are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a rate increase for first-time drivers. So the auto insurance company that is most affordable for your situation may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own driver data and vehicle information.

One of the key components that aid in calculating the price of your policy is where you normally keep your vehicle. Areas with high crime rates or more dense population like New York, Hempstead, and Yonkers will most likely have higher rates, whereas cities that are not as densely populated benefit from lower coverage costs.

The next table ranks the priciest cities in New York for first-time drivers to purchase a policy in.

Rate information is comparative as the vehicle garaging location can impact coverage rates noticeably.

Which auto insurance company is best?

If you are shopping around for auto insurance for new drivers, the companies with the most market share are Geico, Progressive, State Farm, and Allstate. The next table illustrates some of the different features that are available for customers.