D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has appeared on legaladvice.com, themanifest.com, and vice.com.

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Oct 9, 2020

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New York
New York Statistic Summary
Road Miles 114,807
Registered Vehicles 10,557,410
State Population 39,557,045
Percentage of
Uninsured Motorists
6.1
Driving Deaths Speeding: 308 Drunk Driving: 999
Average Premiums Annually
Liability: $804.51 Collision: $385.02 Comprehensive: $171.12
Cheapest Provider: Geico

Like in most states, New York car insurance is a must. One thing that might surprise you though is the average rate quote for car insurance in New York and all of the factors that go into determining that rate.

When New York State comes to mind, we tend to think of its biggest city, which is the largest in the U.S., at 8.6 million people.

But, there’s more to the Empire State. Beyond the traffic jams, the city lights, and the skyscrapers, there’s lots to love, such as the beauty of Niagara Falls near the Canadian border, hiking in the northern Adirondacks, and the country roads and farm festivals of Central New York.

You’ll find plenty of options to suit your needs and budget — just like car insurance. With so many options, you can feel a little confused and wonder where to turn. Who has the best rates? Which company offers the most coverage?

We made this car insurance guide to answer those and many other auto insurance-related questions. Among the information it offers is New York car insurance rates, companies, the factors that set prices, laws, and traffic statistics.

If you’re ready to dive in, let’s get started. Looking to buy New York car insurance? If you want to start exploring New York car insurance quotes, enter your ZIP to the New York car insurance companies.

Table of Contents

New York Insurance Coverage & Rates

Figuring out the car insurance you need can be frustrating. You may look at several prices, coverage options, and company reviews and still feel like you’re starting at square one.

Never fear! This comprehensive car insurance guide is here to help you determine the best coverage for your budget, what affects rates, and interesting statistics about some of the problems insurance is supposed to protect you from.

Are you ready to learn more? Let’s get scrolling.

Average Monthly Car Insurance Rates in NY (Liability, Collision, Comprehensive)

The below data from the National Association of Insurance Commissioners (NAIC) shows the price ranges from liability to full coverage. Expect the cost of car insurance to continue to rise in 2019 and beyond.

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This table shows you the average rate quote car insurance in New York.

Core Car Insurance Coverage in New York
Core Car Insurance Coverage in New York
Liability$804.51
Collision$385.02
Comprehensive$171.12
Full Coverage $1,360.66
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The average car insurance cost in New York tend to cost more than the national average, which isn’t too surprising given that the Empire State ranks as the fourth-most-expensive for full coverage insurance.

As we mentioned earlier, New York has minimum insurance coverage requirements.

If possible, the insurance experts suggest buying more than the minimum amount required. If you want more information about additional coverage, you’ll find it in the next two sections.

New York’s Car Culture

Like car owners elsewhere, New Yorkers tend to drive cars that are more practical than stylish. Across Central New York, these cars include the Toyota Camry and the Honda Civic, and lots of pickups and SUVs, such as the Chevrolet Silverado, the Toyota RAV4, and the Nissan Rogue.

Though New York City itself revered the car in a 1951 Museum of Modern Art exhibit that showcased its art and design elements, with the vast transportation system, city residents don’t always own cars.

Car racing is a popular Empire State pastime, with the home of the Watkins Glen International race track in upstate New York and several more racing ovals and road courses statewide.

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New York Minimum Coverage

New York is a no-fault insurance state. That means that if another driver causes an accident that harms you, you must file a claim with your own insurance company to pay your medical bills and damages.

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New York minimum auto insurance coverage requires drivers to have minimum liability insurance to pay for accident claims. Per New York law, your insurance coverage must meet these requirements:

  • $25,000 of liability coverage for bodily injury per person when you cause a car accident
  • $50,000 of total liability bodily injury coverage per accident you cause regardless of how many people are injured
  • $10,000 of liability coverage for property damage (per accident you cause)
  • $50,000 in no-fault (personal injury protection) coverage
  • Uninsured motorist coverage for bodily injury you sustain, limit to match bodily injury coverage

NOLO states that New York’s no-fault car insurance system applies to personal injuries from car accidents, not vehicle damage. You can, however, file a claim for vehicle damage (or a total loss) against the driver responsible, without limitations.

One way to avoid filing a potential lawsuit is to know how much insurance you need for your car and buy more than the minimum required to pay for all your injuries or vehicle damage. Otherwise, you may have to pay or file a case for compensation.

Forms of Financial Responsibility

New York law requires drivers to carry proof of insurance or financial responsibility. Drivers who can’t provide proof will have their licenses suspended.

Acceptable forms of proof of insurance are:

  • A paper or electronic insurance ID card
  • A copy of your current car’s insurance policy
  • A valid insurance binder (a temporary form of car insurance)
  • Surety bond
  • Register as a self-insurer (if you own 25 vehicles or more)
  • Cash/security deposit of $150,000 or more with the Department of Motor Vehicles (DMV)

Any of these are easy to carry in your vehicle or on your phone.

Rates as a Percentage of Income

In 2014, the average New Yorker’s disposable — after-tax — income was $47,446. Compare that to the average cost of an annual full coverage rate, $1,327.82. Nearly 3 percent of residents’ annual income goes to car insurance.

Americans themselves pay an average of $981.77 yearly for full coverage. New York’s rates cost nearly $400 more.

Compared to neighboring Pennsylvania, New Jersey, Rhode Island, Connecticut, Massachusetts, and Vermont, only residents in the last three states paid less than New Yorkers.

Massachusetts and Connecticut residents paid about $200.00 less for rates than those of New York, while Vermonters paid average annual rates of $746.79, a savings of over $600.00.

Auto insurance rates rose slightly everywhere, usually by $50 – $100, from 2012 – 2014.

How much of your income goes to car insurance? Try our free calculator below and see.

CalculatorPro

Additional Coverage

The data below from the NAIC centers on more accident coverage options: MedPay, Personal Injury Protection (PIP), and uninsured/underinsured motorist coverage.

Additional Liability Coverage in New York
Additional Liability Coverage in New YorkLoss Ratio - 2012Loss Ratio - 2013Loss Ratio - 2014
Personal Injury Protection (PIP) 66.08%68.92%66.66%
Medical Payments (Med Pay) 49.41%53.61%64.49%
Uninsured/Underinsured Motorist Coverage53.69%53.84%47.49%
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A loss ratio measures how much a company pays in claims to how much it earns in rates.

Looking at the percentages, if a company has a loss ratio of over 100 percent, it pays more in claims than it earns. However, if the loss ratio is too low, at 40 percent, the company pays fewer claims. Companies with ratios that aren’t too high or too low have a balance of profits versus losses.

As shown above, the loss ratios from 2012 – 2014 are low, which could mean insurance companies don’t pay all the claims they receive. PIP coverage requirements could affect these numbers, as insurance companies may pay those claims first.

New York ranks 50th in the U.S. for uninsured drivers — 6.10% of Empire State drivers are uninsured. Though the number is fairly low compared to other states (because New York requires it), you don’t want to be one of them.

The state requires this coverage as part of its “no-fault” insurance system, and it helps pay for damages uninsured or underinsured motorists may cause.

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Add-Ons, Endorsements, Riders

Below is more coverage you can add to a basic car insurance plan.

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Pay-as-You Drive or Usage-Based Insurance
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Car Insurance
  • Modified Car Insurance Coverage
  • Classic Car Insurance

Among Pay-As-You-Go or Usage-Based insurers, Allstate’s Drivewise program operates in New York. Drivers who qualify may receive discounts of up to 30 percent. The program tracks users’ driving habits through a telematics device installed in the vehicle’s diagnostic port.

If you avoid speeds of 80 miles per hour or above and drive less than 30 miles daily outside of 10 p.m. – 4 a.m. without hard braking, you may get the maximum discount. Users must operate their vehicles at least 90 days over six months to qualify for the discount.

Average Monthly Car Insurance Rates by Age & Gender in NY

We’ve partnered with Quadrant to bring you the data below. It’s based on coverage the state population has purchased, and it includes rates for high-risk drivers and those who choose to buy more than the state minimum. That covers other types of insurance the state doesn’t require.

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As you’ll see below, gender is a major factor in setting car insurance rates, but age affects them, as well.

Male vs Female vs Age in New York
CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
Allstate$3,193.78$2,980.04$3,012.93$3,052.97$9,411.78$10,059.13$3,106.83$3,110.26
Geico$1,775.96$1,709.98$1,723.35$1,698.04$3,737.26$5,542.24$1,598.20$1,640.87
Liberty Mutual$4,808.02$4,808.02$4,476.84$4,476.84$9,371.20$14,468.63$4,808.02$5,108.28
Nationwide$3,003.69$3,003.69$2,829.30$2,829.30$5,431.46$8,143.12$3,003.69$3,859.22
Progressive$2,317.74$2,134.30$1,831.64$1,867.64$7,736.99$8,515.77$2,948.94$2,816.17
State Farm$2,838.51$2,838.51$2,481.13$2,481.13$8,316.70$10,504.50$3,126.63$3,289.54
Travelers$3,320.74$3,298.93$3,020.14$3,202.94$7,651.80$9,050.23$3,491.99$3,593.56
USAA$1,961.37$1,928.07$1,776.70$1,780.28$7,919.49$9,428.85$2,515.85$2,782.87
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Males in New York generally pay more than females for car insurance, but married men, who are less of a risk to insure, pay almost the same as married women.

Agewise, insurers tend to charge drivers 25 and younger, often with less experience than older drivers, more for car insurance. Auto insurance for a 25-year-old female tends to be less than that for the male counterpart.

Rates in New York’s 10 Largest Cities

Did you know that where you live is one of the car insurance factors affecting the price you pay?

Below are prices in the 10 most and least-expensive Empire State cities.

New York Most Expensive vs. Least Expensive Cities
Ten Most Expensive Cities Ten Least Expensive Cities 
CityZip CodeAverage RateCityZip CodeAverage Rates
Brooklyn11212$10,751.24Vestal13850$2,833.83
Bronx11243$9,334.68Campbell14826$2,812.93
Jamaica11436$9,024.16Elmira14901$2,791.13
St. Albans11412$9,000.94Wellsburg14894$2,790.81
Rosedale11422$8,885.68Lordsburg14871$2,789.24
South Ozone Park11420$8,881.66Elmira14904$2,788.48
Springfield Gardens11413$8,874.63Painted Post14870$2,761.36
South Richmond Hill11419$8,831.46Big Flats14814$2,757.47
Far Rockaway11691$8,814.12Horseheads14845$2,753.21
Arverne11692$8,802.18Corning14830$2,729.58
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From the most expensive city — or borough — Brooklyn, to the least expensive, Corning, the price difference is $8,000.

Cheapest Rates by Zip Code

As we touched upon above, your location can affect your rates. Cities and towns with higher populations and accident rates are riskier to insure, so rates there may cost more. Here are the most and least expensive rates by zip code.

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This table shows you the most expensive zip codes in New York.

New York Most Expensive Zip Codes
25 Most Expensive Zip Codes in New York CityAverage Annual Raet by Zip CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
11212BROOKLYN$10,751.24Liberty Mutual$17,558.88Travelers$11,880.71GEICO$5,780.57USAA$8,278.50
11233BROOKLYN$10,703.01Liberty Mutual$17,558.88Travelers$11,775.55GEICO$5,780.57USAA$8,278.50
11213BROOKLYN$10,646.36Liberty Mutual$17,558.88Travelers$11,775.55GEICO$5,780.57Progressive$8,079.76
11207BROOKLYN$10,606.21Liberty Mutual$17,558.88Travelers$11,880.71GEICO$5,780.57Progressive$7,402.08
11225BROOKLYN$10,427.03Liberty Mutual$17,558.88State Farm$11,586.05GEICO$5,780.57USAA$7,853.79
11216BROOKLYN$10,399.95Liberty Mutual$17,558.88State Farm$11,586.05GEICO$5,780.57Progressive$7,438.55
11221BROOKLYN$10,399.36Liberty Mutual$17,558.88State Farm$11,617.80GEICO$5,780.57Progressive$7,402.08
11239BROOKLYN$10,287.12Liberty Mutual$17,558.88Allstate$11,528.93GEICO$5,780.57Progressive$7,489.08
11203BROOKLYN$10,251.67Liberty Mutual$17,558.88Travelers$11,880.71GEICO$5,300.14Progressive$8,079.76
11236BROOKLYN$10,242.23Liberty Mutual$17,558.88Travelers$11,880.71GEICO$5,300.14USAA$8,278.50
11208BROOKLYN$10,105.99Liberty Mutual$17,558.88State Farm$11,613.31GEICO$5,780.57Progressive$7,844.91
11206BROOKLYN$9,964.09Liberty Mutual$17,558.88State Farm$11,642.66GEICO$5,780.57Progressive$6,585.30
11226BROOKLYN$9,920.06Liberty Mutual$17,558.88State Farm$11,144.66GEICO$5,300.14Progressive$8,159.70
11234BROOKLYN$9,739.93Liberty Mutual$15,452.41Travelers$11,651.31GEICO$5,300.14Progressive$7,716.90
11235BROOKLYN$9,670.87Liberty Mutual$15,452.41Travelers$11,115.43GEICO$5,300.14Progressive$8,066.79
11210BROOKLYN$9,652.77Liberty Mutual$15,452.41Travelers$11,651.31GEICO$5,300.14Progressive$7,955.87
11237BROOKLYN$9,602.92Liberty Mutual$17,558.88State Farm$11,621.22GEICO$4,510.55Progressive$7,437.15
11238BROOKLYN$9,569.83Liberty Mutual$17,558.88State Farm$11,586.05GEICO$4,187.43Progressive$7,438.55
11223BROOKLYN$9,458.27Liberty Mutual$15,452.41Travelers$11,115.43GEICO$5,300.14Progressive$8,066.79
11230BROOKLYN$9,440.17Liberty Mutual$15,452.41Travelers$11,115.43GEICO$5,300.14Progressive$8,066.79
11241BROOKLYN$9,410.20Liberty Mutual$17,558.88State Farm$10,797.26GEICO$3,457.75Progressive$7,489.08
11243BROOKLYN$9,410.20Liberty Mutual$17,558.88State Farm$10,797.26GEICO$3,457.75Progressive$7,489.08
11229BROOKLYN$9,387.51Liberty Mutual$15,452.41Travelers$11,115.43GEICO$5,300.14Progressive$7,716.90
11205BROOKLYN$9,370.09Liberty Mutual$17,558.88State Farm$11,180.76GEICO$4,510.55Progressive$6,126.60
11242BROOKLYN$9,364.53Liberty Mutual$17,558.88State Farm$10,797.26GEICO$3,457.75Progressive$7,489.08
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Now check out the least expensive zip codes in the state.

New York 25 Least Expensive Zip Codes
25 Least Expensive Zip Codes in New York CityAverage Annual Rate by Zip CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
14830CORNING$2,729.59Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,814.79Progressive$2,084.94
14845HORSEHEADS$2,753.21Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,041.98
14814BIG FLATS$2,757.47Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,084.94
14870PAINTED POST$2,761.36Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,814.79Progressive$2,367.49
14903ELMIRA$2,761.81Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,084.94
14905ELMIRA$2,786.89Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
14904ELMIRA$2,788.48Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
14871PINE CITY$2,789.24Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,756.70Progressive$2,297.44
14894WELLSBURG$2,790.81Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
14901ELMIRA$2,791.14Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
14821CAMPBELL$2,812.94Liberty Mutual$3,958.87Allstate$3,317.92GEICO$1,814.79Nationwide$2,385.41
13850VESTAL$2,833.83Liberty Mutual$3,888.71Allstate$3,268.98GEICO$2,002.78Progressive$2,247.71
14816BREESPORT$2,873.78Liberty Mutual$3,932.34State Farm$3,505.38GEICO$1,756.70Nationwide$2,385.41
13795KIRKWOOD$2,878.91Liberty Mutual$3,888.71Travelers$3,337.03GEICO$2,002.78Progressive$2,428.42
13748CONKLIN$2,880.00Liberty Mutual$3,888.71Travelers$3,337.03GEICO$2,002.78Progressive$2,428.42
13603WATERTOWN$2,881.06Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13612BLACK RIVER$2,881.46Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13616CALCIUM$2,882.15Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13606ADAMS CENTER$2,884.39Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13601WATERTOWN$2,885.27Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13685SACKETS HARBOR$2,886.18Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13656LA FARGEVILLE$2,887.98Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13640WELLESLEY ISLAND$2,888.38Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13634DEXTER$2,888.57Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13607ALEXANDRIA BAY$2,888.77Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
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How does your zip code compare? Is your address saving you money or costing you extra?

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Cheapest Rates by City

This is the same data by the city name.

New York 10 Most Expensive Cities
10 Most Expensive Cities in New York Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Brooklyn$9,347.06Liberty Mutual$17,558.88State Farm$10,797.26GEICO$3,940.28Progressive$6,859.27
Saint Albans$9,000.94Liberty Mutual$12,883.56Travelers$10,495.31GEICO$5,686.55USAA$7,089.23
Rosedale$8,885.68Liberty Mutual$12,883.56State Farm$9,995.10GEICO$5,287.14USAA$7,089.23
South Ozone Park$8,881.66Liberty Mutual$12,883.56Travelers$10,607.53GEICO$5,686.55USAA$7,089.23
Springfield Gardens$8,874.63Liberty Mutual$12,883.56State Farm$9,906.69GEICO$5,287.14USAA$7,089.23
South Richmond Hill$8,831.46Liberty Mutual$12,883.56Travelers$10,607.53GEICO$5,287.14USAA$7,089.23
Jamaica$8,826.92Liberty Mutual$12,883.56Travelers$10,241.08GEICO$5,386.99USAA$7,089.23
Arverne$8,802.18Liberty Mutual$12,883.56State Farm$9,799.24GEICO$5,287.14USAA$7,089.23
Woodhaven$8,773.94Liberty Mutual$12,883.56Travelers$10,302.35GEICO$5,096.98USAA$7,089.23
Howard Beach$8,739.15Liberty Mutual$12,883.56Travelers$9,817.66GEICO$5,287.14USAA$7,089.23
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Many of the most expensive boroughs and cities are in and around Brooklyn.

New York 10 Least Expensive Cities
10 Least Expensive Cities in New York Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Corning$2,729.58Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,814.79Progressive$2,084.94
Big Flats$2,757.50Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,070.62
Coopers Plains$2,761.36Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,814.79Progressive$2,367.49
Elmira$2,788.83Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
Pine City$2,789.24Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,756.70Progressive$2,297.44
Wellsburg$2,790.81Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
Campbell$2,812.93Liberty Mutual$3,958.87Allstate$3,317.92GEICO$1,814.79Nationwide$2,385.41
Vestal$2,833.83Liberty Mutual$3,888.71Allstate$3,268.98GEICO$2,002.78Progressive$2,247.71
Breesport$2,873.77Liberty Mutual$3,932.34State Farm$3,505.38GEICO$1,756.70Nationwide$2,385.41
Kirkwood$2,878.90Liberty Mutual$3,888.71Travelers$3,337.03GEICO$2,002.78Progressive$2,428.42
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Best New York Car Insurance Companies

With so many car insurers out there, it can be hard to determine which one offers the right coverage. Price may affect your decision, but there are other factors to consider, such as coverage levels.

This section will help you evaluate insurance companies based on their financial ratings, reviews, and complaints.

So, read on to find out more and determine who are the best car insurance companies in NY.

The Largest Companies’ Financial Rating

A.M. Best ranks companies based on their financial strength. And, as we discussed above, the loss ratio is part of that. These are their ratings for some of the top companies.

Financial Ratings of Top Ten Insurance Companies in New York
CompanyFinancial Rating
GeicoA++
AllstateA+
State FarmA
ProgressiveA+
Liberty MutualA
Travelers GroupA++
USAAA++
NYCM InsuranceA
Nationwide CorpA+
Amtrust NGHA-
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State Farm and USAA are among the companies to receive the highest rating of “A++,” which shows that they remain profitable despite paying several claims regularly.

Companies with Best Ratings

J.D. Power’s U.S. Auto Insurance Study measures car insurance customers’ overall satisfaction.

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Customer service can be a huge factor in your choice for the best auto insurance companies in New York.

JD Power 2019 New York Region

New York Central Mutual was the only company to receive five Power Circles, which means that it’s “among the best.”

Companies with the Most Complaints in New York

Every company gets complaints, but a true measure of customer service lies in how it handles them. The data below shows complaints about the top New York insurers in 2017.

New York Companies with the Most Complaints
Company NameNational Median
Complaint Ratio
Company Complaint
Ratio 2017
Total Complaints
2017
GeicoN/AN/AN/A
Allstate Insurance Group1.5163
State Farm Group1.441482
Progressive Group1.75120
Liberty Mutual Group15.95222
Travelers Group1.092
USAA GroupN/AN/AN/A
NYCM Insurance Group102
Nationwide Corp Group1.2825
Amtrust NGH Group102
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At 44 percent, State Farm had the highest complaints and complaint ratio, but these numbers are fairly low compared to the number of customers they serve.

Cheapest Companies in New York

Below are the rates for the top insurers compared to the state average prices. Who has cheap car insurance in NY state?

Cheapest Car Insurance Companies in New York
CompanyAverage Annual Rate
Allstate$4,740.96
Geico$2,428.24
Liberty Mutual$6,540.73
Nationwide$4,012.93
Progressive$3,771.15
State Farm$4,484.58
Travelers$4,578.79
USAA$3,761.69
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Geico comes out on top as the cheapest company, at almost 77 percent less than the state average.

Commute Rates by Company

With some insurers, the longer your commute, the more you’ll pay.

Commute Rates by Car Insurance Companies in New York
Company10 Mile Commute25 Mile Commute
Allstate$4,675.15$4,806.77
Geico$2,358.45$2,498.03
Liberty Mutual$6,354.63$6,726.83
Nationwide$4,012.93$4,012.93
Progressive$3,771.15$3,771.15
State Farm$4,322.30$4,646.86
Travelers$4,578.79$4,578.79
USAA$3,723.73$3,799.64
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Take a look at these 6 major factors affecting auto insurance rates in New York.

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Nationwide, Progressive, and Travelers don’t factor distance into their rates. Of the insurers who do, USAA had a price difference of less than $100 for 10- versus 25-mile commutes. Many of the rest charged as much as $150 or more from the shorter to the longer distance.

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Coverage Level Rates by Company

Let’s see how rates vary among the top insurers for high, medium, and low coverage.

Coverage Level Rates by Car Insurance Companies
CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$4,372.19$4,372.19$5,134.16
Geico$2,287.62$2,416.55$2,580.54
Liberty Mutual$6,237.28$6,520.87$6,864.04
Nationwide$3,752.51$3,975.76$4,310.54
Progressive$3,559.37$3,745.62$4,008.45
State Farm$4,240.05$4,511.46$4,702.24
Travelers$4,309.32$4,522.76$4,904.29
USAA$3,644.21$3,741.21$3,899.63
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USAA had among the lowest price difference, at roughly $25 from the lowest to the highest coverage, while Allstate had among the highest difference (about $800).

Credit History Rates by Company

Your credit score also affects your rates. Generally, consumers with excellent credit pay less than those who have poor credit.

Credit History Rates in New York
CompanyPoor Credit RatingFair Credit RatingGood Credit Rating
Allstate$6,865.50$5,985.24$5,985.24
Geico$3,042.53$4,012.93$4,012.93
Liberty Mutual$9,156.87$3,970.78$3,970.78
Nationwide$4,012.93$3,961.90$3,961.90
Progressive$6,065.81$3,944.57$3,944.57
State Farm$6,331.07$3,041.52$3,041.52
Travelers$6,396.79$2,913.64$2,913.64
USAA$5,800.63$2,235.78$2,235.78
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Geico had the lowest rates for consumers with poor credit.

According to Experian, in 2018, New York’s average credit score was 688, which is lower than the national score of 704. New Yorkers own an average of 3.34 credit cards and have over $6,000 of credit card debt.

Driving Record Rates by Company

Your driving record is one of the most crucial factors that affect the price of car insurance.

Driving Record Rates in New York
CompanyClean RecordWith 1 AccidentWith 1 DUIWith 1 Speeding Violation
Allstate$4,004.39$4,004.39$5,884.41$5,884.41
Geico$1,894.00$2,064.88$3,860.07$3,860.07
Liberty Mutual$5,197.79$5,197.79$10,569.55$10,569.55
Nationwide$3,042.44$3,042.44$6,853.01$6,853.01
Progressive$3,664.67$3,664.67$4,066.27$4,066.27
State Farm$4,267.85$4,267.85$4,701.32$4,701.32
Travelers$3,901.71$4,896.91$4,964.33$4,964.33
USAA$3,348.28$3,402.69$4,893.09$4,893.09
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Nationwide has lower rates for drivers who have been in one accident compared to other insurers. Even if you have one speeding ticket, you may end up paying as much as $1,000 more for car insurance.

Largest Car Insurance Companies in New York

This is how the top insurers compare by loss ratio, market share, and direct policies written.

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Which auto insurance companies in NY are in the lead when it comes to policies?

Largest Car Insurance Companies in New York
CompanyDirect Premiums WrittenMarket Share
Geico$4,233,52531.93%
Allstate Insurance Group$1,843,73013.90%
State Farm Group$1,758,37013.26%
Progressive Group$1,284,1329.68%
Liberty Mutual Group$731,3965.52%
Travelers Group$529,6763.99%
USAA Group$392,3462.96%
NYCM Insurance Group$327,3662.47%
Nationwide Corp Group$302,8542.28%
Amtrust NGH Group$291,7502.20%
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As with other data we’ve already looked at, Geico comes out on top. It has the largest market share and has written the most policies.

Number of Insurers by State

Domestic insurers were formed in New York law, while foreign insurers were founded out of state. Out of a total of 882 insurers who operate in the Empire State, 173 are domestic and 709 are foreign.

New York Laws

The Empire State has enacted lots of laws. It can be hard to keep track of them all, whether they cover car insurance, vehicle licensing, safety, or driving. We’ve simplified the complex aspects of the laws and will cover the ones that you need to pay attention to most.

So read on to learn more about the laws you should obey as a responsible citizen.

Car Insurance Laws

In this section, we’ll go over what sets New York car insurance rates and the laws governing windshield replacement, high-risk drivers, and fraud.

How New York Car Insurance Rates are Determined

The State of New York and the Department of Financial Services set insurance rates based on the National Association of Insurance Commissioners’ standards.

Insurance companies must get prior approval from the state insurance department before filing rates and forms in New York. For prices, the department requires prior approval only if they are a certain percentage above or sometimes below the rates the company has filed before.

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Windshield Coverage

New York lets you replace a windshield with aftermarket parts if they are “equal or exceed the comparable OEM crash part in terms of fit, form, finish quality, and performance.” If you use them, the information must appear on the estimate.

Insurers may also offer zero-deductible policies for windshield glass replacement. Comprehensive coverage, which covers damage from “acts of God” such as vandalism, theft, fire, and natural disasters, may also cover windshield replacement.

High-Risk Insurance

If you’ve been convicted of several driving offenses, such as driving without insurance or a DUI, insurance companies may consider you a high risk to insure. That may make it harder to get insured through the open marketplace.

But, “high-risk” drivers have an alternative.

The New York Automobile Insurance Plan (NYAIP) will cover motorists who have tried and failed to get automobile insurance within the past 60 days at rates not above those applicable under the plan. The coverage, however, isn’t cheap. The average NYAIP policy in 2012 was $2,283.

Low-Cost Insurance

Though New York has a program to help high-risk drivers, it doesn’t have one for low-income drivers.

California, Hawaii, and New Jersey are the only states with government-funded programs to help low-income drivers pay for their car insurance.

Automobile Insurance Fraud in New York

Misrepresenting facts on insurance claims, submitting false claims, and faking accidents are among the most common forms of car insurance fraud.

According to the Insurance Information Institute (III), insurance applicants, policyholders, third-party claimants, and insurance professionals are among those who commit fraud.

Car insurance fraud is a serious crime under Article 176. New York law defines six degrees of fraud penalties:

  • Fifth degree: Committing any fraudulent act to get insurance payments improperly, which is a Class A misdemeanor (176.10).
  • Fourth degree: Committing insurance fraud and wrongfully receiving assets of more than $1,000 is insurance fraud, which is a Class E felony (176.15)
  • Third degree: Carrying out insurance fraud and unfairly gaining $3,000 or more in assets is insurance fraud, which is a Class D felony (176.20).
  • Second degree: Committing insurance fraud and getting $50,000 or more of assets is insurance fraud, which is a Class C felony (176.25).
  • First degree: Committing insurance fraud and obtaining $1 million or more in assets is insurance fraud, which is a Class B felony. (176.30).
  • Aggravated insurance fraud: Committing another act of insurance fraud within five years of a prior conviction, which is a Class D felony (176.35).

If you’ve been a victim of insurance fraud, you may file a complaint online with the New York Attorney General’s Auto Insurance Fraud Unit.

Statute of Limitations

The statute of limitations is the time you have left to file a legal claim. In New York state, drivers have three years to file a personal injury or a property damage insurance claim or lawsuit.

Evidence can degrade and witnesses can be hard to keep track of over time, so it’s best to file sooner rather than later.

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Vehicle Licensing Laws

Here we’ll cover the laws that control getting and maintaining a license to drive in the Empire State. This includes the recent Real ID law, penalties, and driver licensing requirements.

Real ID

Starting October 1, 2020, to comply with the federal REAL ID Act, you’ll need a REAL ID driver’s license, permit, or identification card to board domestic flights or enter federal buildings.

A valid U.S. Passport is already REAL ID-compliant; you can use it to board a flight.

To apply for a REAL ID, you can visit your local Department of Motor Vehicles. Below are the original or certified documents the DMV suggests you bring:

  • Proof of identity, such as a valid license, birth certificate, or passport, with your full first, middle (if applicable), and last name. Your name, as it appears on your proof of identity, will be displayed on your card as required by federal law. If the name on your application doesn’t match the one on your identity, lawful status, and social security proofs, you must bring court- or government-issued proof. This includes a marriage license, divorce decree, adoption, or court order.
  • Proof of Social Security Number or Social Security Number ineligibility. If you have a valid NY license, permit, or ID card, you must bring your original social security card or W-2 with full SSN. If you do not have a New York State driver license or identification card, you must bring your Social Security Card or a letter from the Social Security Administration proving your ineligibility to have a social security number.
  • Proof of your date of birth.
  • Proof of U.S. citizenship, lawful permanent residency, or temporary lawful status in the U.S.
  • Two different proofs of New York State residence such as a utility bill, bank statement, or mortgage statement (P.O. Box not acceptable). This address will be displayed on your card.

Watch this video to learn more about the REAL ID.

The next time you renew your license, make sure to get a REAL ID if you haven’t already.

Penalties for Driving Without Insurance

Whenever law enforcement pulls you over, you must show your license, registration, and insurance.

As we mentioned before, in New York, you must carry proof of insurance or financial responsibility with you at all times. If you can’t, according to the NY DMV, you’ll face the following penalties:

  • A fine of up to $1500 if you’re involved in an accident and a $750 civil penalty
  • License and registration suspension for up to one year if you’re without insurance after 90 days and can’t pay the below fees

If you let your insurance lapse, the DMV will charge you per day at the following rates:

  • For 1 – 30 days: $8 per day.
  • For 31 – 60 days: $10 per day.
  • For 61 – 90 days: $12 per day.

A lapse in insurance and a conviction for driving without insurance can cost you up to $2,400.

Teen Driver Laws

In New York, you must be at least 16 years and six months old to drive without adult supervision. Below are the requirements for getting a learner’s license, per New York’s graduated licensing law.

Requirements in NY for Getting a License
Requirements for
Getting a Learners
License
Time/Age
Mandatory Holding Period6 months
Minimum Supervised Driving Time50 hours, 15 of which must be at night
Minimum Age16-years-old
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Young drivers with a learner’s permit must follow these rules:

New York Learners License Restrictions
New York Learners
License Restrictions
Details
Nighttime restrictions9 p.m.-5 a.m. except for NYC (unsupervised driving prohibited at all times) and Long Island (limited daytime unsupervised driving)
Passenger restrictions (family members excepted unless noted otherwise)no more than 1 passenger younger than 21
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These are the requirements to follow to receive a full license:

Unrestricted License Requirements in New York
Minimum age
at which
restrictions
may be lifted:
Details
Nighttime restrictionsuntil age 17 with driver education; until age 18 without (min. age: 17)
Passenger restrictionsuntil age 17 with driver education; until age 18 without (min. age: 17)
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Definitely follow the rules for new drivers in New York. Teen drivers face many obstacles, including inexperience behind the wheel.

Older Driver License Renewal Procedures

According to the Insurance Institute for Highway Safety, these are the requirements for older drivers to renew their licenses:

  • Older drivers can renew their licenses every eight years
  • They must show proof of adequate vision at every renewal
  • The DMV allows renewal by mail or online at every renewal, without restrictions.

New Residents

If you’ve moved from out of state, you must apply for a New York driver’s license at a DMV office within 30 days after you establish your residency.

Your out-of-state license must meet the following requirements:

  • have a picture
  • be valid or expired for less than 24 months
  • have been issued at least six months before your New York license application

You can’t exchange your license if it is or has been:

  • suspended or revoked
  • lost or stolen
  • a hardship or “employment only” license
  • non-renewable or non-transferable

The news report below details a new Empire State law that allows undocumented immigrants to get driver’s licenses:

Your New York license is valid for five years from the day it was issued.

License Renewal Procedures

The IIHS reports that drivers with New York licenses must renew them every eight years and provide proof of adequate vision at every renewal. They may renew online or through the mail.

Negligent Operator Treatment System (NOTS)

NOLO states that in New York, reckless driving involves driving in a manner which unreasonably interferes with the free and proper use of a public highway, or unreasonably endangers other drivers.

Reckless driving is generally considered a misdemeanor in New York. These are the potential penalties:

  • First offense: up to 30 days in jail and/or $100 – $300 in fines
  • Second offense (within 18 months): up to 90 days in prison and/or $100 – $525 in fines
  • Third offense (in 18 months): up to 180 days in jail and/or $100 – $1,125 in fines

One reckless driving conviction can add five points on your driving record and increase your insurance rates.

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Rules of the Road

Below are some more driving laws. These laws regulate seat-belt and car-seat use, when you should keep right and move over, speed limits, ridesharing, and automation.

Fault vs. No-Fault

As a “no-fault” state, drivers must file claims with their own insurance company, even when they’re not responsible for an accident. The Empire State follows a doctrine of comparative fault for personal injury cases.

This means that a judge or a jury assigns a percentage of fault or responsibility to each party involved in an accident. For example, if a plaintiff who ran a red light was 60 percent at fault, and the other driver, who was speeding, was 40 percent responsible, the judge would reduce the plaintiff’s award by 60 percent.

Seat Belt & Car Seat Laws

Below are the seat-belt and car-seat laws in the Empire State.

Seat Belt Laws in New York
Seat Belt Laws in New YorkDetails
Effective SinceDecember 1, 1984
Primary Enforcementyes; effective 12/01/84
Age/Seats Applicable16+ years in front seat
1st Offense Max Fine$50
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Follow these car-seat laws to keep your child safe.

New York Car Seat Requirements
New York Car Seat RequirementsDetails
Type of Car Seat RequiredAge
Child Booster Seatyounger than 2 years or until a child outgrows the manufacturer's top height or weight recommendations in a rear-facing child restraint; younger than 4 years unless they weigh more than 40 pounds and are seated where there is no available lap/shoulder belt; 4 through 7 years unless they are seated where there is no available lap/shoulder belt(effective
Adult Belt Permissible8 through 15 years; children who weigh more than 40 pounds or children 4 through 7 years in a seating position where there is no available lap/shoulder belt
Preference for Rear Seatlaw states no preference for rear seat
Maximum Base Fine 1st Offense$100
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Regarding riding in the cargo areas of pickup trucks, it’s illegal in New York except in the following situations:

  • If the trip is five miles or less.
  • If the trip is five miles or more and if one-third or fewer of the passengers are standing, if suitable seats are securely attached, or there are side rails and a tailgate.
  • If the trip is five miles or more and if fewer than five people aged 17 or younger are in the cargo area or if at least one person 18 or older is there.

Generally, riding in the back of a truck is pretty dangerous and should be avoided if possible.

Keep Right & Move Over Laws

If you drive slower than the average speed of traffic in New York, you must keep right.

However, according to AAA, when an emergency vehicle, tow truck, or a maintenance vehicle with flashing lights is traveling in the same direction, you must use care, reduce speed, and move to a nearby lane.

Speed Limits

These are the speed limits on New York roads.

Speed Limits in New York
Type of RoadwaySpeed Limit
Rural Interstates65 mph
Urban Interstates65 mph
Other Limited Access Roads65 mph
Other Roads55 mph
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Obey the speed limit to stay safe and save money on car insurance and fines.

Ridesharing

If you want to drive for rideshare services such as Uber and Lyft, you must have a license from the New York Taxi and Limousine Commission.

Automation on the Road

According to the Insurance Institute for Highway Safety (IIHS), New York is among the states that are currently testing automated or driverless vehicles. The tests require operators to be licensed and inside the car. They must also have liability insurance of $5,000,000.

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Safety Laws

New York State has several safety laws that control Driving Under the Influence (DUI) and marijuana-impaired and distracted driving. Let’s explore the penalties involved.

DUI Laws

Driving while under the influence (DUI) is a crime in New York. Below are some facts about the legal Blood Alcohol Content (BAC) limit and the different levels of offenses:

DUI Laws in New York
DUI Laws in New YorkDetails
Name for OffenseDriving While Intoxicated (DWI); High BAC Aggravated Driving While Intoxicated (ADWI)
BAC Limit0.05 - DWAI, 0.08 - DUI
High BAC Limit0.18
Criminal StatusDWAI:1st traffic violation, 2nd+ misdemeanors; DWI: 1st misdemeanor, 2nd in 10 years class E felony, 3rd+ in 10 years class D felony
Look Back Period10 years for 2nd offense, 15 years for 3rd+
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The table below reveals more details about DUI penalties and fines:

DUI Penalties in New York
DUI PenalitiesALS or RevocationImprisonmentFine
1st Offenserevoked for at least 6 months; ADWI: 1 year minno minimum, but up to 1 year; ADWI: up to 1 year$500-$1000; ADWI: $1000-$2500
2nd Offense2nd in 10 years: 1 year min; ADWI: 18 months min5 days minimum. 2nd in 10 years: up to 4 years; ADWI: up to 4 years2nd in 10 years: $1000-$5000; ADWI: $1000-$5000
3rd Offense3rd in 10 years: 1 year min; ADWI: 18 months min10 days minimum. 3rd in 10 years: up to 7 years; ADWI: up to 7 years3rd in 10 years: $2000-$10000; ADWI: $2000-$10000
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These laws are strict for a reason and act as a deterrent. The safest thing to do to prevent severe injuries and death is to not drink and drive.

Marijuana-Impaired Driving Laws

New York doesn’t have any specific laws about marijuana-impaired driving. However, that doesn’t mean you can’t get caught for impaired driving or driving under the influence.

Recreational marijuana use is illegal in New York, but the state legislature has considered legalizing it.

Distracted Driving Laws

With the rise of the smartphone, distracted driving has become more of a road hazard. Below are the New York laws controlling cell-phone use while driving.

Distracted Driving Laws in New York
Hand-held banYoung drivers all cellphone banTexting banEnforcement
All DriversNot a lawAll DriversPrimary
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AAA states that “no person shall operate a motor vehicle while using a mobile telephone to engage in a call while the vehicle is in motion unless that person is using a hands-free device. Text messaging while driving is prohibited for all drivers.”

These laws are primary enforcement, which means that a police offer can pull you over for using your cell phone.

Driving in New York

Sometimes it’s hard to handle driving hazards, especially in high-traffic areas like New York City, which is a reason why some people take public transportation.

The driving and safety laws we’ve covered are meant to protect you and others, yet the statistics make the dangers seem even more real. Now, we’ll look at statistics regarding vehicle theft, traffic fatalities, and EMS response times.

So, let’s find out about some of the biggest risks on the road.

Vehicle Theft in New York

Some vehicles are more popular to steal than others. These are the top 10 most-stolen vehicles in the Empire State.

Vehicle Theft in New York
Type of VehicleModel YearNumber Stolen
Honda Accord1997724
Honda Civic1998707
Toyota Camry2014500
Nissan Altima2015374
Dodge Caravan2000368
Ford Econoline E3502011339
Nissan Maxima1998328
Honda CR-V1997283
Toyota Corolla2010280
Jeep Cherokee/Grand Cherokee2015263
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As we mentioned earlier, many New Yorkers drive practical cars, such as the Honda Accord and the Toyota Camry, which top the list.

Vehicle Theft by City

These 2017 FBI crime statistics reveal which cities in New York have the most vehicle thefts. How does your city rank?

Vehicle Thefts by City in New York
CityMotor Vehicle Theft
Adams Village1
Addison Town and Village0
Akron Village1
Albany112
Albion Village11
Alexandria Bay Village0
Alfred Village1
Allegany Village0
Altamont Village0
Amherst Town41
Amity Town and Belmont Village0
Amityville Village3
Amsterdam9
Andover Village1
Angelica Village0
Arcade Village0
Ardsley Village0
Asharoken Village0
Attica Village0
Auburn16
Avon Village0
Bainbridge Village0
Baldwinsville Village0
Ballston Spa Village1
Batavia12
Bath Village1
Beacon6
Bedford Town4
Bethlehem Town6
Binghamton102
Black River0
Blooming Grove Town8
Bolton Town1
Boonville Village0
Brant Town2
Brewster1
Briarcliff Manor Village0
Brighton Town18
Brockport Village3
Brownville Village0
Buffalo835
Cairo Town0
Caledonia Village0
Cambridge Village0
Camden Village0
Camillus Town and Village8
Canajoharie Village2
Canandaigua5
Canastota Village5
Canisteo Village0
Canton Village0
Cape Vincent Village0
Carmel Town10
Carroll Town0
Carthage Village0
Cattaraugus Village0
Cayuga Heights Village0
Cazenovia Village0
Central Square Village0
Centre Island Village1
Cheektowaga Town115
Chester Town1
Chester Village3
Chittenango Village0
Cicero Town4
Clarkstown Town33
Clayton Village0
Clyde Village0
Cobleskill Village2
Coeymans Town4
Cohocton Town0
Cohoes18
Colonie Town38
Cooperstown Village0
Corning4
Cornwall-on-Hudson Village0
Cornwall Town1
Cortland5
Coxsackie Village0
Crawford Town2
Croton-on-Hudson Village0
Cuba Town0
Dansville Village1
Deerpark Town3
Delhi Village1
Depew Village6
DeWitt Town33
Dexter Village0
Dobbs Ferry Village1
Dolgeville Village0
Dryden Village0
Dunkirk14
Durham Town0
East Aurora-Aurora Town2
Eastchester Town3
East Fishkill Town10
East Greenbush Town7
East Hampton Town4
East Hampton Village2
East Rochester Village2
Eden Town2
Ellenville Village1
Ellicott Town4
Ellicottville0
Elmira27
Elmira Heights Village0
Elmira Town1
Elmsford Village2
Endicott Village14
Evans Town8
Fairport Village0
Fallsburg Town2
Fishkill Town6
Fishkill Village0
Floral Park Village4
Florida Village0
Fort Edward Village0
Fort Plain Village1
Frankfort Town1
Frankfort Village0
Fredonia Village2
Freeport Village35
Friendship Town0
Fulton City2
Garden City Village6
Gates Town49
Geddes Town5
Geneseo Village0
Geneva1
Germantown Town0
Glen Cove48
Glen Park Village0
Glens Falls1
Glenville Town7
Gloversville9
Goshen Town6
Goshen Village1
Gowanda Village3
Granville Village0
Great Neck Estates Village0
Greece Town77
Greenburgh Town22
Greene Village0
Green Island Village4
Greenport Town0
Greenwich Village0
Greenwood Lake Village5
Groton Village1
Guilderland Town1
Hamburg Town24
Hamburg Village2
Hamilton Village0
Hammondsport Village0
Hancock Village0
Harriman Village0
Harrison Town1
Hastings-on-Hudson Village3
Haverstraw Town20
Hempstead Village135
Herkimer Village40
Highlands Town0
Holley Village3
Homer Village0
Hoosick Falls Village1
Hornell0
Horseheads Village0
Hudson4
Hudson Falls Village2
Hunter Town0
Huntington Bay Village0
Hyde Park Town1
Ilion Village2
Independence Town0
Inlet Town0
Irvington Village0
Ithaca19
Jamestown53
Johnson City Village22
Jordan Village0
Kenmore Village5
Kensington Village1
Kent Town2
Kings Point Village2
Kingston9
Kirkland Town0
Lackawanna30
Lake Placid Village4
Lake Success Village0
Lakewood-Busti2
Lancaster Town11
Larchmont Village3
Le Roy Village0
Lewisboro Town0
Lewiston Town and Village12
Liberty Village6
Little Falls3
Liverpool Village0
Lloyd Harbor Village1
Lloyd Town6
Lockport22
Long Beach14
Lowville Village2
Lynbrook Village8
Macedon Town and Village3
Malone Village0
Malverne Village0
Mamaroneck Town3
Mamaroneck Village3
Manchester Village0
Manlius Town11
Marcellus Village0
Marlborough Town3
Massena Village6
Maybrook Village1
Mechanicville4
Medina Village7
Menands Village5
Middleport Village0
Middletown21
Monroe Village3
Montgomery Village2
Monticello Village7
Moravia Village0
Moriah Town0
Mount Hope Town2
Mount Morris Village3
Mount Pleasant Town0
Mount Vernon117
Nassau Village0
Newark Village5
New Berlin Town0
Newburgh53
Newburgh Town12
New Castle Town1
New Hartford Town and Village5
New Paltz Town and Village1
New Rochelle61
New Windsor Town7
New York6,369
New York Mills Village1
Niagara Falls186
Niagara Town8
Niskayuna Town11
Nissequogue Village1
Norfolk Town1
North Castle Town2
North Greenbush Town9
Northport Village3
North Syracuse Village3
North Tonawanda36
Northville Village0
Norwich1
Nunda Town and Village0
Ocean Beach Village2
Ogdensburg2
Ogden Town6
Old Brookville Village2
Old Westbury Village1
Olean10
Olive Town1
Oneida9
Oneonta City4
Orangetown Town8
Orchard Park Town5
Oriskany Village0
Ossining Village6
Oswego City16
Owego Village5
Oxford Village0
Oyster Bay Cove Village1
Palmyra Village0
Peekskill8
Pelham Manor Village13
Pelham Village4
Penn Yan Village0
Perry Village1
Phoenix Village1
Piermont Village0
Pine Plains Town0
Plattekill Town4
Plattsburgh City3
Pleasantville Village2
Port Byron Village0
Port Chester Village18
Port Dickinson Village2
Port Jervis2
Port Washington1
Potsdam Village0
Poughkeepsie28
Poughkeepsie Town6
Pound Ridge Town1
Pulaski Village1
Quogue Village2
Ramapo Town34
Red Hook Village0
Rensselaer City5
Rhinebeck Village0
Rochester664
Rockville Centre Village8
Rome28
Rosendale Town0
Rotterdam Town23
Rouses Point Village0
Rye4
Rye Brook Village45
Sackets Harbor Village0
Sag Harbor Village0
Salamanca5
Sands Point Village0
Saranac Lake Village1
Saratoga Springs32
Saugerties Town6
Scarsdale Village3
Schenectady197
Schodack Town1
Schoharie Village0
Scotia Village5
Seneca Falls Town5
Shandaken Town0
Shawangunk Town3
Shelter Island Town0
Sherburne Village0
Sherrill1
Shortsville Village0
Sidney Village2
Skaneateles Village0
Sleepy Hollow Village1
Sodus Point Village0
Sodus Village0
Solvay Village49
Southampton Town48
Southampton Village3
South Glens Falls Village4
South Nyack Village0
Southold Town5
Spring Valley Village13
Stillwater Town0
St. Johnsville Village1
Stockport Town0
Stony Point Town5
Suffern Village3
Syracuse340
Tarrytown Village1
Ticonderoga Town0
Tonawanda4
Tonawanda Town38
Troy90
Trumansburg Village0
Tuckahoe Village5
Tupper Lake Village3
Ulster Town7
Utica79
Vernon Village0
Vestal Town7
Walden Village3
Wallkill Town21
Walton Village1
Wappingers Falls Village0
Warsaw Village0
Warwick Town6
Washingtonville Village1
Waterford Town and Village43
Waterloo Village2
Watertown24
Watervliet11
Watkins Glen Village0
Waverly Village0
Wayland Village0
Webb Town0
Webster Town and Village12
Weedsport Village0
Wellsville Village3
West Carthage Village1
Westfield Village1
Westhampton Beach Village0
West Seneca Town15
White Plains24
Whitesboro Village0
Whitestown Town0
Windham Town0
Woodbury Town4
Woodridge Village0
Woodstock Town0
Yonkers250
Yorktown Town4
Yorkville Village0
Youngstown Village1
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New York City had over 6,000 thefts in 2017.

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Road Fatalities in New York

Here we’ll examine the fatal crashes on the road and potential contributing factors, including weather and light conditions, speeding, and alcohol impairment. This data comes from the National Highway Traffic Safety Administration (NHTSA).

But first, let’s see which Empire State highway is the most deadly.

Most Fatal Highway in New York

According to Geotab, over the past decade, 156 crashes that led to deaths have occurred along Interstate 87 (I-87) from New York City to Montreal, Quebec in Canada.

Fatal Crashes by Weather & Light Conditions

The table below shows how many fatal accidents happened in different weather and light conditions in New York.

Fatalities by Weather Condition in New York
Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / Unknown
Normal409238128361
Rain34281440
Snow/Sleet125400
Other20600
Unknown42312
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Despite the dangers of rain, snow, sleet, and darkness, most of the fatalities occurred in normal daylight conditions.

Fatalities (All Crashes) by County

Let’s see how many fatal crashes took place in each Empire State county.

Fatalities by County in New York
County20132014201520162017
Albany1025222419
Allegany52452
Bronx5235404940
Broome131115189
Cattaraugus1147511
Cayuga748118
Chautauqua111010139
Chemung731155
Chenango94656
Clinton86394
Columbia968811
Cortland96645
Delaware96827
Dutchess3022262019
Erie5747445043
Essex18233
Franklin16633
Fulton57606
Genesee857514
Greene1231076
Hamilton20010
Herkimer674810
Jefferson1281294
Kings8778695356
Lewis64435
Livingston19376
Madison87936
Monroe3743334545
Montgomery73555
Nassau8381958078
New York4539284838
Niagara2718181715
Oneida2115122218
Onondaga3025332734
Ontario11161698
Orange3536283235
Orleans740411
Oswego2220191716
Otsego54746
Putnam47957
Queens9986786159
Rensselaer1110989
Richmond1212261914
Rockland1717151118
Saratoga1811181918
Schenectady461079
Schoharie24222
Schuyler31233
Seneca55745
St. Lawrence199111010
Steuben12127103
Suffolk145123168139121
Sullivan14131396
Tioga15373
Tompkins8813108
Ulster2412161423
Warren69226
Washington881083
Wayne101013129
Westchester5227513732
Wyoming25735
Yates34210
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As you might expect, many of the fatalities occurred in more populated counties, such as Suffolk.

Traffic Fatalities

These numbers reveal how many traffic deaths happened in rural versus urban areas of New York.

Traffic Fatalities Rural vs. Urban in New York
Details2008200920102011201220132014201520162017
Rural622582571534618630390455463472
Urban616576630637562572651681578527
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Despite the remoteness of rural areas, the number of crash deaths between rural and urban areas was almost even from 2008 – 2017.

Fatalities by Person Type

These are the fatalities by type of vehicle and transportation used in New York.

Fatalities by Person Type in New York
Person Type20132014201520162017
Passenger Car423375368330339
Light Truck - Pickup5949497047
Light Truck - Utility939011391119
Light Truck - Van4126413333
Large Truck1614151113
Bus03401
Light Truck - Other00101
Motorcyclists170148163136145
Pedestrian336264311307242
Bicyclist and Other Cyclist4046363946
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Passenger cars were involved in the most accidents, while pedestrian deaths weren’t far behind.

Fatalities by Crash Type

This is more information about the types of vehicles and the accidents that led to fatalities from 2013 – 2017.

Fatalities by Crash Type in New York
Crash Type20132014201520162017
Single Vehicle784674709660602
Involving a Large Truck11898126106121
Involving a Rollover160144160144127
Involving a Roadway Departure580509513471450
Involving an Intersection (or Intersection Related)467377419385373
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During that five-year timeframe, most of the crashes involved single vehicles and roadway departures.

Five-Year Trend for the Top 10 Counties

These are the numbers of fatalities in the most populated New York counties from 2013 – 2017.

Five Year Trend for the Top 10 Counties New York
County20132014201520162017
Suffolk County145123168139121
Nassau County8381958078
Queens County9986786159
Kings County8778695356
Monroe County3743334545
Erie County5747445043
Bronx County5235404940
New York County4539284838
Orange County3536283235
Onondaga County3025332734
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Generally, these statistics show that the higher the population, the more traffic fatalities tend to occur in a given county.

Fatalities Involving Speed by County

Speed is among the many factors involved in crash deaths.

Fatalities Involving Speeding in New York
County20132014201520162017
Albany17735
Allegany20030
Bronx1213101112
Broome14544
Cattaraugus32201
Cayuga11323
Chautauqua43330
Chemung10711
Chenango72131
Clinton13242
Columbia32114
Cortland14212
Delaware32404
Dutchess1771285
Erie1912121711
Essex13011
Franklin13202
Fulton12202
Genesee02612
Greene42223
Hamilton00010
Herkimer43252
Jefferson63431
Kings3118151113
Lewis42423
Livingston12010
Madison31114
Monroe138121815
Montgomery01132
Nassau1432282620
New York66616
Niagara106693
Oneida1052108
Onondaga91091013
Ontario43932
Orange1112111512
Orleans32002
Oswego1310797
Otsego21342
Putnam03312
Queens2922291918
Rensselaer51222
Richmond31865
Rockland78464
Saratoga669111
Schenectady00801
Schoharie01121
Schuyler10110
Seneca13012
St. Lawrence74223
Steuben54220
Suffolk3632334441
Sullivan75932
Tioga01121
Tompkins34123
Ulster44528
Warren13102
Washington31332
Wayne34262
Westchester1012181016
Wyoming13112
Yates01110
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Fortunately, few speeding-related deaths have happened throughout New York counties.

Fatalities In Crashes Involving an Alcohol-Impaired Driver

Another major contributor to crashes in New York is alcohol consumption.

Fatalities Involving Alcohol-Impaired Driving by County in New York
County20132014201520162017
Albany28954
Allegany00121
Bronx161281215
Broome56684
Cattaraugus42124
Cayuga21262
Chautauqua25351
Chemung20111
Chenango42112
Clinton31211
Columbia12234
Cortland02204
Delaware20502
Dutchess98972
Erie1413131216
Essex02020
Franklin13111
Fulton21103
Genesee32113
Greene60321
Hamilton20000
Herkimer43222
Jefferson54541
Kings2717141415
Lewis31223
Livingston03212
Madison23311
Monroe151391115
Montgomery41011
Nassau2422271820
New York985810
Niagara115443
Oneida97598
Onondaga1359109
Ontario35623
Orange13114147
Orleans20012
Oswego785106
Otsego21232
Putnam12513
Queens2820221921
Rensselaer32323
Richmond34625
Rockland67424
Saratoga36846
Schenectady01512
Schoharie01110
Schuyler10011
Seneca21422
St. Lawrence73424
Steuben25011
Suffolk4539514237
Sullivan26121
Tioga01232
Tompkins24223
Ulster83347
Warren33101
Washington52322
Wayne45343
Westchester1110141211
Wyoming12112
Yates22010
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Suffolk and Queens Counties were among those with the highest alcohol-related fatalities.

Teen Drinking & Driving

Let’s look at the trends in underage drinking in New York.

Teen Drinking and Driving in New York
DUI Arrest (Under 18 years old)DUI Arrests (Under 18 years old) Total Per Million PeopleRank
11327.0346
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Fortunately, New York is among the states with the lowest number of alcohol-impaired fatalities for those under age 21, ranking 46th out of 50 states. Nationally, according to The Foundation for Advancing Alcohol Responsibility, the average is 1.2 deaths per 100,000.

EMS Response Time

These are the EMS response times for crashes in rural and urban areas.

EMS Response Time Rural vs. Urban in New York
DetailsTime of Crash to EMS
Notification
EMS Notification to
EMS Arrival
EMS Arrival at Scene
to Hospital Arrival
Time of Crash to Hospital
Arrival
Total Fatal Crashes
Rural 3 minutes11 minutes40 minutes50 minutes427
Urban2 minutes5 minutes28 minutes33 minutes506
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Response times in rural parts of New York were, unfortunately, three times higher than those in cities and suburbs. This may be due to difficulties getting to more remote areas.

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Transportation

The below information from Data USA reveals how many cars New Yorkers own on average, the forms of transportation they take in their commutes and the average length of those commutes.

The gray bars represent the U.S. and the orange bars show New York.

Car Ownership

Just how many cars do New Yorkers own compared to the country as a whole?

New York Car Ownership

30 percent of New Yorkers own two cars, which is more than 10 percent less than the nationwide average.

Commute Time

Here’s how New Yorkers’ commute times compare to the entire U.S.

New York Commute Times

New York drivers face a longer commute time (32.2 minutes longer) than the average U.S. driver (25.5 minutes). Nearly 6 percent of New Yorkers have a “super commute” of 90 minutes or more, which is almost double the national average.

Commuter Transportation

Now, let’s see which forms of transportation New Yorkers prefer for their commutes.

New York Commuter Transportation

Most New Yorkers drive alone; however, especially in major metropolitan areas, like New York City, nearly 30 percent use public transportation.

Traffic Congestion in New York

Now, let’s explore which major New York cities Inrix’s Traffic Scorecard ranks as the most congested.

New York Traffic Congestion
City2018 World RankHours Lost in CongestionCost of Congestion (Per Driver)
New York City, NY40133 $1,859
Buffalo, NY15172 $1,009
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New York City — big surprise — is the 40th-most traffic-congested city in the world. Buffalo comes in at a distant second. Congestion in both cities costs commuters over $1,000 yearly in transportation-related costs, such as gas.

By contrast, the TomTom Traffic Index rates NYC at 42nd worldwide for the worst traffic congestion. The congestion level on highways and non-highways is 36 percent. That percentage increases during peak commute times — 55 percent in the morning and 69 percent in the evening.

In morning traffic, commuters spend an extra 17 minutes in their cars. That time increases in the evening to 21 minutes.

We’ve reached the end of our comprehensive car insurance guide. Were you satisfied with everything you learned? We hope you found it helpful.

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