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Looking to learn more about New York City and how you can get cheap car insurance? Well, Among major cities across the country, New York is unique. From Central Park to Times Square to the Bowery and beyond, no other metropolitan area comes close to offering as many attractions. Perhaps the most exceptional aspect of New York City life has to do with the automobile. If owning one there is hard, driving it is harder, and parking it can be nearly impossible. Nevertheless, people drive in Manhattan all the time. If you intend to be one of them, here’s what you need to know.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in New York City. Shop for your auto insurance today!

NYC Driving Conditions and Hazards

Some say that in NYC, the best way to drive is to put someone else behind the wheel. While this may be stretching the truth, anyone who operates a vehicle on New York City streets will have a few things to consider. Pedestrians top the list. Their “New York minute” proclivities will often tempt them to cross mid-block or against the light, and they will frequently do so en masse. Other hazards of which to beware include bicycles, horses, buses and cabs. Livery drivers in particular often take chances. It’s best to drive defensively and steer clear of them if you can.

Traffic Laws Specific to NYC

When driving in the area, it’s best to keep the NYC traffic rules firmly in mind. For a brief overview, remember that: – U-turns are verboten in the business district. – Except where otherwise stated, a speed limit of 30 mph is standard throughout the area. – No driver may back into or stop within the boundaries of a crosswalk or intersection. – Double parking is illegal, as is leaving a vehicle next to a hydrant, in front of a driveway or in a “no standing” zone. In addition, as many have already learned, alternate-side parking regulations can prove expensive for those who fail to move their cars at the appointed hour.

In New York state, you can be fined $25 for flirting, and you’re not supposed to wear slippers after 10 p.m.

NYC Crime

Its huge population could be responsible for New York’s high tally of criminal offenses. In the year 2011, the number of reported NYC property crimes included:

  • Robberies: 19,773
  • Burglaries: 18,159
  • Larcenies and thefts: 112,864
  • Motor vehicle thefts: 9,434

According to the FBI, 7,386 vehicles were reported stolen in 2015 in New York City, and 129,860 property crimes were reported.

NYC Safety Requirements

New York City’s rules for traffic safety follow the dictates of the statewide highway safety program.

Seat Belt Law

New York state law requires that all children under age 4 ride in a child safety seat and all children under age 8 ride in a child restraint system, according to the state Department of Motor Vehicles. Meanwhile, all front-seat passengers must wear a seat belt, and children under age 16 must wear a seat belt while riding in the front or back seat.

Cellphone Law

Under New York state law, you can’t use a handheld mobile phone or portable electronic device while driving. The fine for a first-time offense is $50 to $200, and $50 to $250 for a second-time offense.

Helmet Laws in NYC

In New York state, all motorcycle operators and passengers must wear a helmet.

Meanwhile, all bicyclists under age 14 must wear a helmet as an operator or passenger. In addition, children age 1 to 4 must sit in a special child safety seat; no under age 1 is allowed to ride on a bicycle.

Impaired Driving Law

A driver 21 or older can be charged with DWI with blood alcohol content of 0.08 percent or more. For a driver under 21, the BAC window is 0.02 percent to 0.07 percent under the state’s “zero tolerance” law.

For someone 21 and over convicted of a first-time DWI offense, the fine ranges between $500 and $1,000, and a license suspension lasts at least six months. For a second-time offense, a five-day jail sentence or 30 days of community service is required, while the fine is $500 to $5,000, and the license suspension is at least one year. In both cases, installation of an ignition interlock device is mandated.

Refusal to take a BAC chemical test results in at least a one-year license suspension.

While driving in NYC can be difficult, it is not impossible, and an awareness of the area’s specific laws will make it that much safer.

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How Much Does Car Insurance Cost in New York by County?

The average cost of car insurance in the state of New York varies between drivers. Here is the breakdown of the amount you can expect to pay on car insurance costs by county for vehicle type below for a minimum state policy of the average driver in NY:

Auto Insurance Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Albany$952$789$951$901$971
Allegany$888$661$912$840$863
Bronx$1,895$1,442$1,971$1,680$1,796
Broome$808$664$814$756$832
Cattaraugus$826$683$842$798$853
Cayuga$878$691$889$840$892
Chautauqua$843$697$855$805$868
Chemung$740$612$745$699$760
Chenango$927$766$942$897$956
Clinton$801$662$807$757$823
Columbia$992$815$1,014$956$1,028
Cortland$890$734$900$849$916
Delaware$808$664$814$756$832
Dutchess$1,122$916$1,135$1,067$1,156
Erie$880$728$898$853$909
Essex$827$683$837$790$851
Franklin$842$696$855$809$867
Fulton$929$743$936$876$954
Genesee$887$662$915$833$851
Greene$1,124$836$1,156$1,040$1,076
Hamilton$929$721$936$876$927
Herkimer$947$721$955$897$927
Jefferson$871$719$882$831$898
Kings$1,794$1,383$1,776$1,599$1,698
Lewis$879$721$891$841$906
Livingston$899$661$924$840$863
Madison$899$736$908$862$924
Monroe$777$599$824$727$745
Montgomery$921$759$927$867$946
Nassau$1,626$1,238$1,748$1,475$1,546
New York$1,388$1,051$1,491$1,259$1,323
Niagara$970$761$978$900$931
Oneida$943$721$952$891$927
Onondaga$874$702$881$829$886
Ontario$835$628$872$778$801
Orange$1,345$1,078$1,354$1,270$1,356
Orleans$895$719$907$858$913
Oswego$866$714$876$824$892
Otsego$954$780$973$909$989
Putnam$1,325$1,050$1,331$1,244$1,347
Queens$1,858$1,397$2,001$1,644$1,763
Rensselaer$973$749$976$927$981
Richmond$1,891$1,447$2,038$1,679$1,791
Rockland$1,559$1,182$1,678$1,410$1,485
Saratoga$880$720$884$830$899
Schenectady$900$750$902$857$919
Schoharie$941$772$955$891$973
Schuyler$811$666$817$760$835
Seneca$842$634$879$785$807
St. Lawrence$833$689$845$798$858
Steuben$757$627$766$721$779
Suffolk$1,357$1,035$1,452$1,221$1,290
Sullivan$1,162$868$1,187$1,090$1,135
Tioga$849$699$862$810$877
Tompkins$904$746$916$867$931
Ulster$1,124$836$1,161$1,040$1,076
Warren$888$720$893$839$899
Washington$888$721$893$839$911
Wayne$841$638$877$794$807
Westchester$1,312$985$1,413$1,189$1,252
Wyoming$878$695$888$837$903
Yates$895$671$907$838$859

Does the State of New York impose fines if your auto insurance liability lapses?

New York imposes fines in increments if there is a lapse in coverage and you do not surrender your license plates. From days 1 to 30, this is $8 per day; from days 31 to 60, it is $10 per day; and from days 61 to 90, it is $12 per day. After 90 days, you face a license suspension.

How to Get Great Rates on New York Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy in New York at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance quotes within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.