As with most of the driver profiles we analyzed, NYCM has the lowest rates for parents who want to add a child under 16 to their policy. Geico and Erie have the second and third lowest rates, respectively, but USAA is only an option if you're a member of the military community. NYCM is by far the most affordable, with an average monthly rate lower than what a good driver would pay for full coverage in New York with insurers such as State Farm and Kemper or even USAA and Geico. The amount and type of coverage you have will directly affect your car insurance rates, as will the deductible you choose.
Your car insurance rates stabilize in your late 20s and typically stay that way through your 30s, 40s, and 50s, as long as you maintain a clean driving record. In other words, if you live in New York City and own a car, you're likely to pay more for car insurance than drivers who live in rural areas of the state. Erie is a good car insurance company in every way for New Yorkers, offering low rates for good drivers, drivers with speeding tickets, and drivers who previously let their coverage expire. The cheapest car insurance companies in New York for drivers after a speeding ticket are NYCM, USAA, and Erie.
Drivers who have a gap in car insurance coverage can expect an increase in their annual costs when they re-enroll in a policy. If you're struggling with a low credit score, Geico is your best bet for cheap car insurance in New York. Other factors that influence the cost of car insurance in New York are age (young and older drivers pay more), gender, vehicle, and type of coverage. When you compare auto insurance quotes, be sure to keep coverage options and limits consistent to get a real idea of how much you can save.
Review your coverage and your premium and then get and compare quotes from several insurers to see if there are cheap car insurance options available to you.