Best Cheap Car Insurance Quotes for Uninsured Drivers in New York

Finding reliable, cheap car insurance is not most people’s favorite thing to do, and figuring out which insurers offer the best insurance rates for uninsured drivers requires even more rate comparisons. Each insurer uses their own formula for determining prices, so first we will examine the overall cheapest insurance companies in New York.

We do need to point out that New York insurance rates are impacted by many things which can substantially decrease or increase your annual premium. That is why New York drivers need to compare rates to get the most affordable auto insurance quotes for uninsured drivers. Car insurance prices are impacted by many different factors and can change without notice, so the lowest-price company three years ago may now be one of the more expensive options.

Cheap Insurance Rates in New York

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USAA generally has some of the lowest car insurance rates in New York at around $1,199 a year. Erie, Utica National, Travelers, and Progressive would also be considered some of the most economical New York insurance companies.

In this example, if you currently have a policy with Travelers and switched to Erie, you may realize a yearly price reduction of approxmiately $258. Insureds with Progressive could save as much as $287 a year, and MetLife customers might cut rates by $333 a year.

It’s important to note that these premium estimates are averaged across all types of insureds and vehicles and do not take into consideration a rate discount for uninsured drivers. So the auto insurance company that fits you best may not even be in the above rate chart. That is why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

One of the many criteria that impact a rate quote is your address. Densely populated urban areas like New York, Hempstead, and Mount Vernon tend to pay more, whereas areas that tend to be more rural benefit from lower rates.

The illustration below sorts the highest-priced places in New York for uninsured drivers to buy an auto insurance policy in.

Rate information is estimated as specific location information can affect premiums greatly.

The car, truck, or SUV on the policy is a large consideration when comparing quotes for cheap insurance for uninsured drivers. Vehicles with high performance engines, a lack of advanced safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models.

The list below showcases car insurance costs for a number of the cheapest vehicles to insure in New York.

Cost estimates assume married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Information does not factor in specific zip code location which can raise or lower coverage rates significantly.

Looking at the data, we can assume that cars like the Chevrolet Traverse, Ford Escape, Honda Accord, Toyota Tacoma, and Toyota RAV4 are most likely going to be a few of the more affordable vehicles to insure for drivers with no prior coverage.

Is State Farm, Progressive, Allstate, or Geico cheaper?

When comparing auto insurance for drivers with no prior coverage in New York, four companies to take a look at are State Farm, Progressive, Allstate, and Geico. If you put them all together, they insure about 50% of all auto insurance written. The table below compares some of the different features that are available for policyholders.