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Why is car insurance so expensive in New York, and how can I lower my premium?

I'm moving from Iowa to New York and the NY car insurance quotes I'm getting are $200 more expensive per month. Why do I have to pay so much more? How can I pay less?

Carol Chung · Updated on Apr 12, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

Broadly speaking, car insurance in New York is expensive because of a higher risk of accidents, theft, and vandalism. State law also requires drivers to carry

uninsured/underinsured motorist coverage

and personal injury protection, which raises rates as well.

The best thing you can do to pay less for car insurance? Shop around once or twice a year to see if you can get a better premium elsewhere.

You can do this yourself by making some calls or filling out online forms. Or you can have

gather affordable quotes for you in seconds!

View full answer

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