1. States
  2. New York
  3. Car Insurance for Drivers Requiring a SR22

How Much is Car Insurance for Drivers Requiring a SR22 in New York?

Enter your New York zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 11, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The words “affordable” and “insurance” really shouldn’t be used together, in particular when searching for the best car insurance rates for drivers requiring a SR22. Because of the high cost, let’s introduce you to a few of the things that have a considerable impact on car insurance rates, and find out if we can help you lower the cost of the next policy you buy.

Finding out which company has the most affordable auto insurance rates for drivers requiring a SR22 requires a little more work in order to find the lowest price quote. Each auto insurer uses a slightly different approach to set premium rates, so let’s examine the auto insurance companies with the overall best prices in New York.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest auto insurance in New York ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,187
2 Erie $1,218
3 Travelers $1,513
4 Utica National $1,534
5 Progressive $1,542
6 Allstate $1,588
7 Amica $1,596
8 MetLife $1,620
9 Preferred Mutual $1,686
10 GEICO $1,869
11 New York Central Mutual $1,892
12 State Farm $1,904
13 Safeco $1,966
14 Central Mutual $1,968
15 Liberty Mutual $2,026
16 Hanover $2,323
17 Encompass $2,689
18 Nationwide $3,178
19 Mercury $3,926
20 21st Century $4,324
Quote Your Rates Go

USAA offers some of the lowest car insurance rates in New York at around $1,187 annually. Erie, Travelers, Utica National, and Progressive are also some of the cheapest New York auto insurance companies.

In this example, if you currently have coverage with Utica National and switched to Erie, you might see savings of roughly $316. Policyholders with Progressive might save as much as $324 a year, and Allstate policyholders might cut rates by $370 a year.

To see if you’re overpaying, click here to get a free quote or quote rates from the companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.

It’s important to note that these prices are averaged across all insureds and vehicles and and are not calculated with a price surcharge for drivers requiring a SR22. So the insurer that fits your needs best may not even be shown in the above rate chart. That emphasizes why you need to get rate quotes using your own individual information.

We all like different vehicles, and the type of vehicle you are insuring is one of the main factors when trying to find cheap insurance for drivers requiring a SR22 in New York. Vehicles with economical engines, advanced safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The lists below shows auto insurance prices for a selection of the most cost-effective vehicles to buy insurance for.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Auto Insurance Rates for Popular Cars in New York
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $2,588 $1,294 $216
Ford Fusion SEL AWD 4-Dr Sedan $2,876 $1,438 $240
Honda Accord EX 4-Dr Sedan $2,188 $1,094 $182
Honda Civic VP 4-Dr Sedan $2,680 $1,340 $223
Hyundai Elantra SE Touring Station Wagon $2,332 $1,166 $194
Hyundai Sonata SE 4-Dr Sedan $2,928 $1,464 $244
Kia Optima EX $2,956 $1,478 $246
Nissan Altima 2.5 4-Dr Sedan $2,588 $1,294 $216
Toyota Camry LE $2,588 $1,294 $216
Volkswagen Jetta 2.0T Station Wagon $2,478 $1,239 $207
Get a Custom Quote for Your Car Go

Premium data assumes married female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific zip code location which can lower or raise premiums greatly.

Car Insurance Rates for Popular SUVs and Crossovers in New York
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX 4WD $2,642 $1,321 $220
Buick Enclave CX 2WD $2,734 $1,367 $228
Chevrolet Traverse LS 2WD $2,214 $1,107 $185
Ford Escape XLS 4WD $2,188 $1,094 $182
Ford Explorer Eddie Bauer AWD $2,616 $1,308 $218
GMC Acadia SLT AWD $2,616 $1,308 $218
Honda CR-V EX-L 4WD $2,214 $1,107 $185
Honda Fit Sport $2,004 $1,002 $167
Honda Pilot EX-L 4WD $2,616 $1,308 $218
Jeep Grand Cherokee SRT-8 4WD $2,734 $1,367 $228
Nissan Pathfinder LE 4WD $2,616 $1,308 $218
Toyota 4Runner Limited 2WD $2,504 $1,252 $209
Toyota Highlander Sport 2WD $2,616 $1,308 $218
Toyota RAV4 Limited 4WD $2,588 $1,294 $216
Volvo XC90 V8 AWD $2,876 $1,438 $240
Get a Custom Quote for Your SUV or Crossover Go

Cost estimates assume married female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Estimates do not factor in vehicle garaging location which can affect premiums considerably.

Auto Insurance Rates for Popular Pickup Trucks in New York
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Crew Cab 2WD $3,072 $1,536 $256
Chevrolet Silverado LS Extended Cab 4WD $2,588 $1,294 $216
Dodge Ram Crew Cab TRX 4WD $2,982 $1,491 $249
Ford F-150 XLT Regular Cab 4WD $2,470 $1,235 $206
Ford F-350 Crew Cab Cabela Turbo Diesel 4WD $3,762 $1,881 $314
GMC Canyon SLE Ext Cab 4WD $2,470 $1,235 $206
GMC Sierra 3500HD SLT Extended Cab 2WD $2,760 $1,380 $230
GMC Sierra SLE Crew Cab 4WD $2,734 $1,367 $228
Toyota Tacoma Double Cab 4WD $2,616 $1,308 $218
Toyota Tundra SR/5 Crew Max 4WD $2,982 $1,491 $249
Get a Custom Quote for Your Truck Go

Cost estimates assume married female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and New York minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in New York location which can impact rates significantly.

When shopping for the cheapest car insurance for high risk drivers, one of the many factors used to establish the amount you pay for auto insurance is where you live. Cities with larger populations or higher claim trends like New York, Hempstead, and Mount Vernon tend to have higher auto insurance costs, whereas more rural areas generally pay lower car insurance rates.

The following table lists the highest-priced places in New York for drivers requiring a SR22 to purchase a policy in.

Car insurance prices in New York
Rank City Average Per Year
1 New York $2,627
2 Freeport $2,303
3 Hempstead $2,301
4 Levittown $2,041
5 Mount Vernon $1,978
6 Yonkers $1,920
7 West Babylon $1,875
8 Brentwood $1,872
9 Hicksville $1,862
10 Coram $1,784
11 White Plains $1,661
12 New Rochelle $1,610
13 Buffalo $1,503
14 Niagara Falls $1,225
15 West Seneca $1,225
16 Cheektowaga $1,203
17 Tonawanda $1,201
18 Utica $1,136
19 Syracuse $1,086
20 Schenectady $1,062
Start a Quote Go

Rate quotes are approximated as the vehicle garaging location can alter insurance rates greatly.

Cost comparison with and without full coverage

Finding cheap insurance for drivers requiring a SR22 in New York is probably important to most drivers, and one great way to buy cheap insurance is to not buy full coverage. The illustration below visualizes the comparison of premium costs with full coverage compared to only the New York minimum liability coverage. The price estimates are based on no tickets, no at-fault accidents, $250 deductibles, single marital status, and no discounts are applied to the premium.

As an average, comp and collision coverage costs $1,863 per year more than insuring for liability only. That touches on the question when is the right time to remove full coverage. There is no definitive formula to eliminate comprehensive and collision coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is about 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s settlement value is $11,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $10,000 after paying your deductible. If you are paying more than $1,000 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

Ending up with the right insurance provider is hard considering how many companies provide coverage in New York. The information below could help you pick which coverage providers you want to consider shopping prices with.

These ratings only include companies with a nationwide focus, so smaller companies that only insure vehicles in New York are not taken into consideration for this list. To check prices and find cheaper insurance for drivers requiring a SR22, follow this link.

Top Ten Auto Insurance Companies for Drivers Requiring a SR22
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The General 96 100 92 91% A- 95
Mercury Insurance 87 96 100 87% A+ 93.4
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Erie Insurance 92 90 82 88% A+ 88.5
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

The illustration below shows how choosing a deductible can impact annual premium costs when quoting cheap insurance for drivers requiring a SR22. The rates are based on a single female driver, comp and collision included, and no other discounts are factored in.

As shown above, a 40-year-old driver could cut expenses by $252 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $380 by using a $1,000 deductible. Even younger insureds, like the 20-year-old category, could lower their rates up to $640 annually by using higher deductibles when buying full coverage. When choosing a higher deductible, it is a good idea to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

How to find cheap insurance for drivers requiring a SR22 in New York

The list below summarizes some penny-pinching ideas that can help you find cheaper car insurance.

  • Assess whether full coverage is needed
  • Safer vehicles generally have cheaper insurance rates
  • Avoid at-fault accidents and claims
  • Just one traffic violation will increase your rates
  • Raise deductibles
  • Maintaining good credit helps earn cheaper rates
  • Compare rates and switch if you can find a better deal

That last tip is extraordinarily important, as was noted in the prior article. Coverage rates fluctuate constantly, so don’t be unwilling to switch carriers if you find a cheaper price.

Having a favorite company is fine, but it’s not recommended if that stubbornness costs you a wad of cash every year. Take a couple minutes and compare rates to find cheaper car insurance for drivers requiring a SR22.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles