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How do I get cheap car insurance in New York City?

I live in New York City and haven’t needed a car to get around. I just got a job that I need a car for. How can I get cheap car insurance?

Lauren Smith · Updated on Nov 2, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

New York City, and cities in general, often have high insurance rates, so you’re not alone in wanting to find a cheaper rate!

A great way to get the

cheapest car insurance

is to comparison shop. A hassle-free way to do this is with the

app. Jerry can provide you with competitive quotes in under a minute, ensuring you always have the best rate and coverage.

You can also look to see if you are eligible for any discounts with companies. Common discounts include:

Good Driver Discounts

Defensive Driver Discounts

Bundling your insurance policies together

Apart from this, you can look at the coverage and type of car you’re getting. A used car will almost always be cheaper to insure than a brand new car. Additionally, carrying the minimum

liability coverage

instead of full coverage can save you money.

If you find your rate is still high after shopping around, don’t stress! Insurance rates change frequently, and you may be eligible for a lower rate in the future.

MORE:

11 car insurance hacks to save you money

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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