Cheap High Risk Car Insurance in New York


Helping you find high risk car insurance in New York fast and effortlessly.





High Risk Car Insurance in New York and What You Need to Know



Motorists (who are believed to be the riskiest drivers) tend to fall inside a nonstandard insurance umbrella - which is a high risk insurer. For these drivers, finding the best-priced high risk car insurance in New York is an absolute must, because of the costs associated with being a high risk driver. Note that being a high risk driver does not necessarily equate to being a terrible driver! In fact, a large subset of motorists are high risk drivers, and many of them are unable to obtain coverage from leading insurers. If you've been profiled as a high risk motorist, and you are currently on the hunt for high risk car insurance in New York, then shopping around for the best rates is going to vital, since policy costs can vary wildly. While there are some significant insurance companies out there who insure high risk motorists, many smaller insurers concentrate highly on them. In any event, whether it's using a smaller or major insurance business, we want to give you the best possible opportunity to discover the very best rates for high risk car insurance, both in New York and in the surrounding area.

Lowest Price Increase for High Risk Car Insurance in New York Compared to Normal Rates

30 %

Lowest Price Increase for High Risk Car Insurance in New York After 1 DUI

93 %

Highest Price Increase for High Risk Car Insurance in New York After 1 DUI

139 %

Average Price of Car Insurance in New York by Driving History



  • 5,271.19

    DUI

    Average Cost of Car Insurance for those with a DUI.

  • 4,547.02

    Reckless Driving

    Average Cost of Car Insurance for those with a reckless driving infraction.

  • 2,958.29

    At-fault Accident (damages less than ,000)

    Average Cost of Car Insurance for those with a an at-fault accident on record.

  • 2,730.21

    Clean Record

    Average Cost of Car Insurance for those with a clean record.


Why You Need High Risk Car Insurance in New York

There are a couple of distinct reasons why you might require a high-risk auto insurance plan. Some automobiles and motorists these days are simply more inclined to get into accidents than others. The simple fact that they are high risk is represented in how much their car insurance premiums cost. Your driving record will be able to determine whether you require high risk auto insurance. If you have ever been convicted of driving under the influence (DUI) of alcohol or drugs, or have several offenses (like speeding tickets), then you could possibly be thought of as a high risk driver, which - in New York - will typically require you to purchase high risk car insurance. Recent driving history has now become a crucial element in deciding whether or not you need to have high risk car insurance. Locating the right high risk car insurance in New York for high risk drivers can seem like a daunting task, but it'd far from hopeless! In the meantime, attending an approved defensive driving class will also help to bring down costs - particularly if you're a new driver. Telematic programs might also be able to help you lower prices, if you prove that you are engaging in safe driving practices.
high risk car insurance New York NY content image

Accidents or tickets which may have happened within the previous 12 months will weigh more in the cost of your insurance than something that happened five decades back.


What is an SR22 and How to Get a High Risk Car Insurance Policy for One in New York


There seems to be a good deal of confusion regarding SR-22 requirements, and how they play with your current car insurance premiums. Drivers who require an SR-22 in New York and are eager to get back to the street need to know what an SR-22 certification is, along with the way it is able to impact their decisions to drive and - ultimately - choose the right high risk car insurance policy. To be clear, an SR-22 certificate is a form that is filed, not a sort of insurance. An SR-22 certification verifies that the named person filing the form is taking the necessary state-mandated responsibility of their car insurance, and the insurance carrier that files the SR-22 is guaranteeing that you are going to have high risk car insurance coverage, and are fiscally responsible for any mishaps that may happen. This will also allow the State of New York to know whether or not you are complying with the mandates. The only way to obtain an SR-22 is through the car insurance company that you are using for your high risk car insurance plan. Auto insurance providers will typically bill you a one-time filing fee for the SR22. If your insurance provider does not recognize the SR-22, or if you are uninsured, then you'll have to search for a different provider for your high risk car insurance. If you want to have an SR-22 filed, you're likely to pay more for auto insurance than you normally would - however, not all is lost! We can help you compare high risk auto insurance quotes and find the best possible high risk rates in New York.

Lowest Price Increase for High Risk Car Insurance in New York with a SR-22

53 %

Highest Price Increase for High Risk Car Insurance in New York with a SR-22

193 %


How Accidents Affect Your Minimum Coverage Rates in New York

Tickets or accidents which may have occurred within the past 12 months will weigh more than something that happened five years back in the price of your insurance. High risk car insurance is also required to get a category of motorists that are deemed by insurance companies to become more of a financial threat. These drivers are not always considered drivers, but they are costly to cover due to records of payment lapses or insurance openings.

Age BracketAverage Full Coverage Rate for High Risk Drivers in New York
High Risk Drivers in Their Teens15,548.82
High Risk Drivers in Their 20s6,189.73
High Risk Drivers in Their 30s4,689.59
High Risk Drivers in Their 40s4,540.58
High Risk Drivers in Their 60s4,600.86



When it comes to buying high risk car insurance in New York, comparison shopping is going to be your best friend. Policies differ widely between insurance suppliers, so the prices of high risk auto insurance premiums are going to vary as well.

Comparison shopping is going to be your very best friend when it comes to buying high risk car insurance in New York. Policies differ widely from every each insurance supplier, hence the prices of high risk auto insurance premiums will be different. Another insurance provider might just look the past ten years, while one auto insurance carrier may inspect the previous five years of your history. Each will have a different means of assessing the danger of special offenses. And that which might be considered of a category for one company might not be regarded as high risk by another. Some car insurance suppliers concentrate in supplying high risk car insurance in New York. These suppliers understand your struggles and needs better than a insurer can. Our agents have experience in various kinds of insurance and can help out with helping drivers browse through the different coverage options so they can get the very best high risk car insurance for their needs. If you're dreading the idea of spending hours getting high risk car insurance quotes from every of the different providers, fear not!

When it comes to buying high risk car insurance in New York, comparison shopping is going to be your best friend. Policies differ widely between insurance suppliers, so the prices of high risk auto insurance premiums are going to vary as well.