New York auto insurance rate by violation (Informational)

[pshift]

New York auto insurance rate by violation​

When you receive a ticket your auto insurance premiums will probably rise. How much your rates rise depends on the violation's severity, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a snapshot of typical auto insurance rates in New York after a few common citations.
Rates by violation in New York

Accident/Violation	Avg. Annual Premium	% Rate Increase	$ Rate Increase
One Med/PIP claim	$2,171	0%	$0
None	$2,171	0%	$0
One comp claim	$2,194	1%	$23
Two Med/PIP claims	$2,208	2%	$37
Not-at-fault accident	$2,221	2%	$50
Two comp claims	$2,222	2%	$50
Failure to show documents	$2,240	3%	$69
Failure to wear a seat belt	$2,248	4%	$77
Child safety restraint	$2,270	5%	$99
Driving without lights	$2,270	5%	$99
Driving with expired registration	$2,276	5%	$105
At-fault accident - less than $1000	$2,308	6%	$137
Failure to yield	$2,309	6%	$137
Following too closely	$2,309	6%	$137
Failure to stop at a red light	$2,309	6%	$137
Wrong way/wrong lane	$2,309	6%	$137
Texting while driving	$2,309	6%	$137
Cell phone violation	$2,309	6%	$137
Illegal turn	$2,309	6%	$138
Improper passing	$2,309	6%	$138
Passing school bus	$2,316	7%	$145
Driving too slowly	$2,340	8%	$169
At-fault accident - $1000-$2000	$2,343	8%	$172
Speeding in school zone	$2,355	8%	$184
Speeding 6 - 10 MPH over limit	$2,392	10%	$221
Speeding 11 - 15 MPH over limit	$2,392	10%	$221
Operating a vehicle without permission	$2,486	14%	$314
Open container	$2,513	16%	$342
In 65 MPH zone	$2,535	17%	$363
Speeding 16 - 20 MPH over limit	$2,618	21%	$446
Speeding 21 - 25 MPH over limit	$2,696	24%	$525
At-fault accident - greater than $2000	$2,949	36%	$778
Reckless driving	$3,158	45%	$986
Racing	$3,178	46%	$1,006
Driving with a suspended license	$3,344	54%	$1,173
Leaving scene of an accident/hit and run	$3,511	62%	$1,339
Refusal to submit to a chemical test	$3,514	62%	$1,342
DUI	$3,535	63%	$1,364

Source: The Zebra

 

[libertysnake]

I'm paying $87/month on Geico and I've got comprehensive. Where are they getting these rates?

 

[tony]

@libertysnake, Do you have minimum liability with high deductibles on the comprehensive ? What are your limits of coverage ?

 

[tony]

Texting and cell phone violations need a stiffer penalty. Passing a stopped school bus needs more penalty as well.

 

[pshift]

Upstate drivers pay WAAAAAAAAY less than downstate. Someone I know upstate pays in a year what some pay downstate in a single month. That explains all of those out-of-state plates downstate. Also, if you live upstate with a $2000 deductable, you will pay a whole lot less to be sure.

 

[libertysnake]

@libertysnake, Do you have minimum liability with high deductibles on the comprehensive ? What are your limits of coverage ?

Nah, it's pretty decent coverage. Runs $521.20 every 6 months.

 

[FRANKIE]

@pshift
Thanks for posting

 

[That_FNG]

I'm paying $87/month on Geico and I've got comprehensive. Where are they getting these rates?

I second this. I pay $121 a month for full coverage on a 2023 Honda bought brand new with 23k miles now with 30 days of car rental coverage, and $500 deductible for an unmarried male.

 

[PA Guns & Ammo]

Is this for one vehicle you guys are paying?

 

[OwnTheRide]

I insure three vehicles/two drivers, all with comprehensive and full glass, one with collision. Only one vehicle really gets much use (I work from home nowadays so I don't drive much). This thread made me go look at my vehicle insurance. I was a bit shocked by what I found.

First, a preface: there have been some big changes lately. One, we bought a new pickup that cost around $70k. Two, we moved to an even more rural area of the state - so rural that I see more Amish buggies pass by than I do cars.

My insurance bill is around $2700 every six months. That alone was a shocker, as it's almost $1000 more than it was last time I renewed. Unsurprisingly, the majority of this cost relates to the new vehicle. But the real surprise was the breakdown on that vehicle. The collision portion of the insurance is $350 or so for the new truck... but the comprehensive is $1100 (for six months!). Back when I was a kid, I couldn't afford collision, but comprehensive was always quite cheap. $2200 a year for comprehensive on one vehicle? What?

Now, my understanding is that this is because the area we now live in is so rural that the biggest threat to your vehicle is deer. I can believe that, there seem to be more deer than people here. Then you add in the cost of the vehicle and i guess it kind of makes sense. But... suffice it to say, I will be shopping for a new insurance carrier come renewal time. Something tells me I will find much better rates if I do. I'll report back in a few months.

(Current carrier is Geico, FYI).

 

[PA Guns & Ammo]

I insure three vehicles/two drivers, all with comprehensive and full glass, one with collision. Only one vehicle really gets much use (I work from home nowadays so I don't drive much). This thread made me go look at my vehicle insurance. I was a bit shocked by what I found.

First, a preface: there have been some big changes lately. One, we bought a new pickup that cost around $70k. Two, we moved to an even more rural area of the state - so rural that I see more Amish buggies pass by than I do cars.

My insurance bill is around $2700 every six months. That alone was a shocker, as it's almost $1000 more than it was last time I renewed. Unsurprisingly, the majority of this cost relates to the new vehicle. But the real surprise was the breakdown on that vehicle. The collision portion of the insurance is $350 or so for the new truck... but the comprehensive is $1100 (for six months!). Back when I was a kid, I couldn't afford collision, but comprehensive was always quite cheap. $2200 a year for comprehensive on one vehicle? What?

Now, my understanding is that this is because the area we now live in is so rural that the biggest threat to your vehicle is deer. I can believe that, there seem to be more deer than people here. Then you add in the cost of the vehicle and i guess it kind of makes sense. But... suffice it to say, I will be shopping for a new insurance carrier come renewal time. Something tells me I will find much better rates if I do. I'll report back in a few months.

(Current carrier is Geico, FYI).

I pay approximately $1300 a year for three vehicles with glass and collision. No one else is on my policy. But I also have my home owner's insurance with the same company and that brings it down. I also have a clean driver's license and I was told that they look into your credit score as well but I have no idea if that is true.

 

[OwnTheRide]

I pay approximately $1300 a year for three vehicles with glass and collision. No one else is on my policy. But I also have my home owner's insurance with the same company and that brings it down. I also have a clean driver's license and I was told that they look into your credit score as well but I have no idea if that is true.

Our credit is solid, and our licenses are clean. Are you a NY resident, though? I'm guessing that makes a big difference.

I'm very curious what other companies will quote. I might start shopping around sooner than later.

 

[Cavalry]

I insure three vehicles/two drivers, all with comprehensive and full glass, one with collision. Only one vehicle really gets much use (I work from home nowadays so I don't drive much). This thread made me go look at my vehicle insurance. I was a bit shocked by what I found.

First, a preface: there have been some big changes lately. One, we bought a new pickup that cost around $70k. Two, we moved to an even more rural area of the state - so rural that I see more Amish buggies pass by than I do cars.

My insurance bill is around $2700 every six months. That alone was a shocker, as it's almost $1000 more than it was last time I renewed. Unsurprisingly, the majority of this cost relates to the new vehicle. But the real surprise was the breakdown on that vehicle. The collision portion of the insurance is $350 or so for the new truck... but the comprehensive is $1100 (for six months!). Back when I was a kid, I couldn't afford collision, but comprehensive was always quite cheap. $2200 a year for comprehensive on one vehicle? What?

Now, my understanding is that this is because the area we now live in is so rural that the biggest threat to your vehicle is deer. I can believe that, there seem to be more deer than people here. Then you add in the cost of the vehicle and i guess it kind of makes sense. But... suffice it to say, I will be shopping for a new insurance carrier come renewal time. Something tells me I will find much better rates if I do. I'll report back in a few months.

(Current carrier is Geico, FYI).

You need to shop around.
I am very rural, similar value vehicle, excellent credit, homeowner but no co-mingle of insurance, no tickets, no claims, 2 vehicles with comp and collision plus one just liability and its $909/6mo. which I think is too much. Two years ago I was paying in the mid $600's

 

[Carlos Hathcock]

I insure three vehicles/two drivers, all with comprehensive and full glass, one with collision. Only one vehicle really gets much use (I work from home nowadays so I don't drive much). This thread made me go look at my vehicle insurance. I was a bit shocked by what I found.

First, a preface: there have been some big changes lately. One, we bought a new pickup that cost around $70k. Two, we moved to an even more rural area of the state - so rural that I see more Amish buggies pass by than I do cars.

My insurance bill is around $2700 every six months. That alone was a shocker, as it's almost $1000 more than it was last time I renewed. Unsurprisingly, the majority of this cost relates to the new vehicle. But the real surprise was the breakdown on that vehicle. The collision portion of the insurance is $350 or so for the new truck... but the comprehensive is $1100 (for six months!). Back when I was a kid, I couldn't afford collision, but comprehensive was always quite cheap. $2200 a year for comprehensive on one vehicle? What?

Now, my understanding is that this is because the area we now live in is so rural that the biggest threat to your vehicle is deer. I can believe that, there seem to be more deer than people here. Then you add in the cost of the vehicle and i guess it kind of makes sense. But... suffice it to say, I will be shopping for a new insurance carrier come renewal time. Something tells me I will find much better rates if I do. I'll report back in a few months.

(Current carrier is Geico, FYI).

You don't say......

 

[ManualF150]

You need an "Buck Stopper" bumper and grill guard... Just run it over and keep going... the turkey vulchers will have quite a meal...


A kid down my street built his own out of 3/8" steel and ran over a full size buck with his 2500 Cummins at like 70 mph one evening. Stopped, backed up, and cut it in half with a burnout. Just a bunch of hair and meat in the grill radiator.

A long time ago, I ran over a racoon, and did the same thing, didn't cut it in half, but it basically blew up inside of the wheel well.

 

[PA Guns & Ammo]

Our credit is solid, and our licenses are clean. Are you a NY resident, though? I'm guessing that makes a big difference.

I'm very curious what other companies will quote. I might start shopping around sooner than later.

Yes I am.

 

[Grimscale]

You need an "Buck Stopper" bumper and grill guard... Just run it over and keep going... the turkey vulchers will have quite a meal...


A kid down my street built his own out of 3/8" steel and ran over a full size buck with his 2500 Cummins at like 70 mph one evening. Stopped, backed up, and cut it in half with a burnout. Just a bunch of hair and meat in the grill radiator.

A long time ago, I ran over a racoon, and did the same thing, didn't cut it in half, but it basically blew up inside of the wheel well.

View attachment 239317

Those bumpers also work quite well against Teslas, Prius, and those teeny-tiny little smart cars.

 

[OwnTheRide]

Welp, first place I called quoted me less than half of what I am currently paying, for essentially the same level of coverage. I called Geico, whom we have been with for over 20 years, and asked them to review my policy and explain why they're more than twice the cost of other carriers. They had no answer and offered no relief. So, I'll be switching to a new carrier.

...but what a pain in the ass this is going to be. The company wants proof of mileage, so they're asking for copies of receipts from my past two oil changes for all vehicles. Which... I mean, who the hell keeps oil change receipts? Also, I change the oil myself...

That said, for $2500 less a year, I'll find a way.

 

[ManualF150]

Welp, first place I called quoted me less than half of what I am currently paying, for essentially the same level of coverage. I called Geico, whom we have been with for over 20 years, and asked them to review my policy and explain why they're more than twice the cost of other carriers. They had no answer and offered no relief. So, I'll be switching to a new carrier.

...but what a pain in the ass this is going to be. The company wants proof of mileage, so they're asking for copies of receipts from my past two oil changes for all vehicles. Which... I mean, who the hell keeps oil change receipts? Also, I change the oil myself...

That said, for $2500 less a year, I'll find a way.

Why do they need that? They can get it from the DMV when you do you NYS inspection.

Sounds like you are getting circle jerked.

 

[OwnTheRide]

Why do they need that? They can get it from the DMV when you do you NYS inspection.

Sounds like you are getting circle jerked.

It did strike me as kind of weird. My guess was that they don't believe the mileage I put down for my vehicles - I work at home so I don't put many miles on the truck anymore. But, yeah, they're basically asking me to go get quotes from other companies that won't make me jump through a bunch of dumbass hoops.

 

[libertysnake]

It did strike me as kind of weird. My guess was that they don't believe the mileage I put down for my vehicles - I work at home so I don't put many miles on the truck anymore. But, yeah, they're basically asking me to go get quotes from other companies that won't make me jump through a bunch of dumbass hoops.

I put almost nothing on my car yearly. Maybe 5-6k miles. Not even sure I put that, I have to check. Geico gave me no issues with insurance and never questioned my totals.