Buying High-Risk Auto Insurance in New York
If you have gotten into a bunch of accidents that are your fault, if you were convicted of a DUI or reckless driving, or if you have a lot of speeding tickets, however, insurance companies will not be too thrilled to accept your business. But that does not mean that insurance will be impossible for you to come by. Many insurance companies will still happily accept you as a customer (albeit usually for an expensive rate).
The first step in finding an insurance company that will accept your business is to scroll up to the top of this page and enter your zip code to get quotes from different New York auto insurance companies. By doing so, you will compare rates for high-risk auto insurance from many different competitors so that you can choose the cheapest rate possible for yourself.
Unfortunately, for some New York residents, however, the average insurance company will still refuse to offer you coverage. Thankfully, as a New Yorker, there are still a bunch of options for you. Continue reading below to learn about them.
As a high-risk driver, you’ll pay higher rates for car insurance with any company. However, insurance companies treat driving history in different ways. Some insurance companies ignore a single accident or speeding ticket, for example, while other insurance companies punish drivers harshly.
Fortunately, by shopping around and comparing quotes, you can pay the lowest possible rates for car insurance anywhere in New York – even as a high-risk driver. Here are some of the best car insurance companies for high-risk drivers in NY:
If you qualify for USAA membership, then you can access affordable car insurance premiums, strong claims satisfaction, and great customer service even as a high-risk driver. USAA membership is restricted to military members and their families. USAA charges higher rates to high-risk drivers, but you still might pay much less than you would with competing insurance companies.
GEICO is America’s second-largest insurance company. Their base rates are already low in New York. As a high-risk driver, your insurance premiums jump significantly with GEICO, although you could still pay lower rates for car insurance overall.
State Farm is the largest insurance company in the country, and State Farm insures thousands of drivers across the state. As a high-risk driver, you’ll pay higher rates with State Farm, although rates are competitive with other companies at the top of our list.
Erie is popular and well-rated throughout New York. High-risk drivers can take advantage of discounts like bundling discounts and multi-vehicle discounts to lower costs further, although you’ll still pay more as a high-risk driver in New York.
New York-based MetLife has insured policyholders across the state for over 150 years. The company continues to be an effective option for high-risk drivers in New York, although drivers that are particularly high risk may be denied coverage.
Nationwide insures medium and high-risk drivers across New York, offering relatively competitive prices on liability coverage, full coverage, and other insurance coverage. Although they’re not as affordable for high-risk drivers compared to the top options on our list, Nationwide is still one of the best options for high-risk drivers in New York.
Progressive will not offer coverage to extremely high-risk drivers, although the same applies to most other companies on our list. Request a quote from Progressive to see if they offer cheaper high-risk car insurance than the companies listed above.
Liberty Mutual insures thousands of drivers across New York, including drivers with all levels of risk.
Allstate is a highly-rated car insurance company known for competitive prices and average customer service and claims satisfaction. They’re not as cheap for high-risk New York residents as the options above, although they may still be the right option for you, depending on your record.
New York Central Mutual
New York Central Mutual is one of the more expensive options on this list for high-risk drivers in New York, although they still offer competitive premiums compared to other providers. Consider requesting a quote depending on your unique driver record and other factors.
The New York Automobile Insurance Plan (NYAIP) is a state-run insurance system that assigns high-risk drivers to insurance companies across the state. If you are unable to get car insurance from any of the providers listed above, then you can obtain valid coverage through the NYAIP. It’s part of New York’s insurance laws, and you can obtain minimum liability coverage at a reasonable price regardless of risk. We will talk about NYAIP in further detail below.