The thriving metropolis that is New York is one of the world’s most iconic cities, and also the nation’s most populated. More than 8 million people live in New York’s five boroughs: Brooklyn, Bronx, Manhattan, Queens and Staten Island.
The first settlers came from the Dutch West India Company in 1624, starting with just eight men on the island of Manhattan. As they grew in ranks, they lived and worked on a settlement they called New Amsterdam, which incorporated as a city in 1653. The British seized the settlement in 1664 and renamed it New York, after the Duke of York.
New York became one of the nation’s most important ports in the 1800s, and with the completion of the Erie Canal in 1825, it became the nation’s trading capital.
An increasing number of European immigrants began to settle in New York in the mid-1800s. From 1892 until 1954, more than 12 million immigrants entered the United States through Ellis Island in New York Harbor.
Skyscrapers were erected in Manhattan in the late 19th and early 20th century, creating the famous New York City skyline.
Today, the city’s economy revolves around banking, finance, communication, retail, trade and technology.
Top attractions include: the Statue of Liberty, the Empire State Building, Times Square, Central Park, Rockefeller Center, Wall Street and the National September 11 Memorial and Museum.
Among the city’s cultural landmarks are the Metropolitan Museum of Art, the Guggenheim Museum, Radio City Music Hall and the Metropolitan Opera House.
Cost of Auto Insurance in New York City and Surrounding Areas
In our study we examined auto insurance premiums in New York City and seven popular cities in New York. The cities reviewed were -- Buffalo, Rochester, Syracuse, Yonkers, Schenectady, Astoria and Albany. You can see how these eight cities compared:
|City||Average Auto Rates||Female||Male|
|New York City||$1,866||$1,862||$1,869|
We found that New York City auto insurance rates ranked 6 highest against the cities examed. However, don't fret as NYC residents can still get affordable insurance rates. Enter your ZIP and start comparing quotes today.
Insurance Discounts in New York City
In New York, motorists can take a defensive driving course for a 10 percent car insurance discount. Insurance companies also commonly give discounts for:
- automatic seat belts or air bags
- factory-installed anti-lock brakes
- factory-installed daytime running lamps
- anti-theft devices
- careful driver
- multi-car policies
- bundling home and car insurance
- good student
You can also save money on insurance by shopping around your policy, and then checking that the information used to determine your premium is correct.
Driving Conditions in New York City
New York is classified as having a humid, subtropical climate.
The annual high temperature is 62.3 degrees, and the annual low temperature is 48 degrees. Summers are hot and moist, and the winters are cold. Precipitation is fairly consistent throughout the year, with snowfall occurring between November and March.
New York City features a busy highway system that includes Interstates 78, 87, 95, 278, 295, 478, 495, 678, 695 and 895. Highways are heavily congested, so be sure to check traffic reports before traveling.
5 Crime and Safety Stats to Know
- According to 2016 figures from the Crime in the United States report, New York state had 302,654 accounts of property crime and 14,305 accounts of vehicle theft.
- New York had 1,025 traffic fatalities in 2016.
- New York issued 3,584,382 traffic citations in 2014 for offenses including speeding, cell phone use, texting and safety restraint use.
- There were 47,763 arrests for impaired driving in 2014.
- There were an average of 12,093 hospitalizations each year between 2012 and 2014 due to motor vehicle crashes.
Minimum State Auto Insurance Requirements
You must have a New York state-issued automobile liability insurance coverage to register a vehicle in New York. The DMV can suspend your license and registration if you do not maintain this coverage.
The minimum amount of liability coverage is:
- $10,000 for property damage for a single accident
- $25,000 for bodily injury and $50,000 for death for a person involved in an accident
- $50,000 for bodily injury and $100,000 for death for two or more people in an accident
Insurance liability coverage must:
- remain in effect while the registration is valid, even if you don’t use the vehicle there (there are exceptions for motorcycles)
- be New York State insurance coverage, issued by a company licensed by the state Department of Financial Services and certified by the state DMV; out-of-state insurance is never acceptable
- be issued in the name of the vehicle registrant, and remain in the name of the registrant at all times.
New York Driver’s License
New York state residents ages 16 or older can apply to obtain a New York driver’s license.
If you are new to New York, you have 30 days to exchange your out-of-state or Canadian driver’s license for a New York state driver’s license.
Those with a valid out-of-state license will need to visit a DMV office to submit an application. You will need to pass a vision test or bring a valid vision test report. You must also pay a license fee.
When you visit the DMV, bring your current driver’s license, proof of your identity and date of birth (such as a birth certificate, passport or U.S. military photo ID) and your Social Security card.
Seat Belt Laws
Seat belts are required for all drivers and front-seat passengers in New York.
New York state law requires that children under the age of 16 wear seat belts when they are in the front seat or back seat. All children under the age of 8 must ride in an appropriate child restraint system, and all children under age 4 must ride in child safety seats.
Cell Phone & Texting Laws
New York state law makes it illegal to use cell phones or hands-free headsets to call or text while driving.
In New York City, it’s illegal to put on a puppet show in a residential window.
Sample rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 40 years old, female or male, employed, a college graduate, and has good credit. He/She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be 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.