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Best Cheap Auto Insurance in New York 10038

Looking for cheaper auto insurance in New York City without sacrificing coverage and service? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and quality service all while helping you learn more about your city.

New York City is the largest city in the United States and home to more than 8 million people. It is made up of five boroughs -- Brooklyn, Queens, Manhattan, the Bronx and Staten Island.

It’s been called “The City That Never Sleeps” and “The Big Apple.”

Explored by Europeans during the 16th century, New York City was first settled by the Dutch in 1624. When the English took control of the town, they renamed it New York.

New York City grew to play a pivotal role during the American Revolution and became a major port for immigrants from all over the world during the turn of the 20th century. Today, New York City is the epicenter for commerce, media, art, fashion, technology, entertainment and finance.

Additionally, New York City is home to world-class museums, skyscrapers, various ethnic cuisines, Broadway theaters and high-end shopping.

New York City is the headquarters for the four major sports organizations in the United States. New York Sports teams include: Giants (NFL), Jets (NFL), Yankees (MLB), Mets (MLB), Nets (NBA), Knicks (NBA), Rangers (NHL) and Islanders (NHL). Though New York City claims two football teams, both play in New Jersey.

In addition, New York City hosts the U.S. Open (tennis) and the largest marathon in the world, the New York Marathon.  

New York City Driving Conditions

New York City can be a difficult city to navigate. Be aware for pedestrians, who often do not obey traffic lights and will jaywalk in masses, as well as bicyclists, buses and cabs.

Other standard rules to keep in mind while driving through the city include: 30 mph is the standard speed limit; no driver can back into or stop within the boundaries of a crosswalk or intersection and double parking is not allowed.

New York City has a humid climate, and 57 percent of its days are sunny.

Crime Statistics

According to the 2015 Crime in the United States report, New York had 317,529 accounts of property crime and 15,313 accounts of vehicle theft. Within cities and metropolitan areas in New York, vehicle theft was reported 14,750 times.

New York Driver’s Licence

As a legal resident of New York, you’ll need to obtain a New York driver’s licence. Those with a valid out-of-state driver’s licence or a Canadian operator’s license are not required to take a knowledge or skills exam. However, you will have to pass a vision test or bring a completed eye test report.

Seat Belt Laws

In New York, all front seat passengers must wear seat belts. The penalty for a seat belt or car seat violation is a fine of up to $50.

New York law requires all children under the age of 4 to ride in child safety seats. In addition, all children are required to ride in child restraint systems until their 8th birthday.

Cell Phone & Texting Laws

New York state law prohibits the use of hand-held mobile telephones or portable electronic devices while driving. This includes sending and reading text messages. Penalties include receiving a traffic ticket and being subject to a fine.

Odd Laws

In New York City, a license must be purchased before hanging clothes on a clothesline.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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  • I called for a quote after a referral from Progressive and after he responded that ""We don't write that insurance"", he hung up on me. Steer clear of this operation!