Car insurance for a new driver in New York state costs about $4,200 to $5,500 per year, assuming an individual policy for a 17-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. The high cost of being a new driver kicks in when they get their standard license at age 17 or 18. Drivers in New York City, especially in the boroughs of Brooklyn and Queens, typically pay more than drivers in other parts of the state.
Not all new drivers are teenagers and age affects how much you pay for your first auto policy. Typically, car insurance for new drivers over 25 years old costs less than insurance for teenage drivers. However, it will cost more than insurance for someone the same age but with years of driving experience. Without a driving record to show an insurer what kind of driver you are, they have to assume the worst. And statistics indicate that inexperienced drivers are more likely to cause accidents. 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.
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.
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.
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