Merrill Burchell, Car Insurance Writer
@merrill_burchell
Car insurance for a new driver in New York state costs about $5,039 per year to $5,701 per year on average, assuming an individual policy for a 16-year-old to 18-year-old. New York teens driving on a learner’s permit with a licensed adult in the car do not need their own auto insurance.
Average Cost of Car Insurance for New Drivers in New York
| Company | Monthly Cost | Annual Cost |
| NYCM | $164 per month | $1,965 per year |
| Main Street America | $197 per month | $2,359 per year |
| Sterling | $229 per month | $2,742 per year |
| Geico | $266 per month | $3,188 per year |
| Utic | $273 per month | $3,275 per year |
Note: Premiums are representative of a 16-year-old good driver with a minimum coverage policy; individual premiums will vary.
Key Things to Know About Car Insurance for New Drivers in New York
Cost of insurance varies throughout the state.
Drivers in New York City, especially in the boroughs of Brooklyn and Queens, typically pay more than drivers in other parts of the state. Since New York City is more densely populated and has higher traffic volume, it increases the likelihood of an accident.
Older drivers could be new, too.
Not all new drivers are teenagers. Without a driving record to show an insurer what kind of driver you are, they have to assume the worst. Statistics indicate that inexperienced drivers are more likely to cause accidents.
Age and experience matter for premiums.
Your age affects how much you pay for your first auto policy. Typically, car insurance for new drivers who are 25+ years old costs less than insurance for teenage drivers. However, it will cost more than insurance for someone who is the same age but has years of driving experience. Don’t worry, though. Your status as a high-risk new driver only lasts for three years, and your rates will drop after that if you keep a clean record.
You can get a discount for taking a driver’s education course.
In New York, the state provides a way to offset some of the extra cost of being a new driver. You can reduce your insurance premiums right away by completing a state-approved six-hour driver’s education course online or in a classroom. New York’s insurance rules state that once the course is completed, your insurer must give you a minimum 10% reduction in the base rate (your premium before special discounts are applied) for your vehicle liability and collision insurance. This reduction lasts for three years, the same as your new-driver designation.
Shop around to get the best deal.
New drivers of any age should comparison shop rates and discounts carefully. Insurance companies don’t all charge new drivers the same. And even though you may have to pay more than experienced drivers who’ve proven themselves to be responsible on the road, you don’t want to spend more than you have to.
Evaluate your deductibles and discounts.
You should consider choosing a policy with a higher deductible to keep your premium low, and apply for every available discount that you qualify for.
To learn more about minimizing the cost of car insurance in New York, check out WalletHub’s picks for the cheapest New York car insurance companies.
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