High-risk Auto Insurance In New York: What To Do If You’re Labeled Risky – If you have a previous driving violation in New York, your insurance company may consider you a high-risk driver. As a result, your premiums may increase or your insurer may cancel your policy.

Regardless, New York State requires all drivers to have liability insurance, so you need at least some coverage to stay on the road. Here’s what to know about insurance if you’re a high-risk driver in New York:

High-risk Auto Insurance In New York: What To Do If You’re Labeled Risky

High-risk Auto Insurance In New York: What To Do If You're Labeled Risky

Mr. John Espenschied, insurance expert and owner of Insurance Brokers Group in St. Louis, Missouri states “Some common situations include multiple traffic violations, such as speeding tickets, DUI, or reckless driving.”

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“Furthermore, drivers with little or no experience behind the wheel may be considered a higher risk, as they are statistically more likely to have an accident. Finally, if you have a history of accidents at fault, your insurer may consider you a higher risk than a driver with a clean driving record.”

New York drivers who cannot find an insurance company to cover them may find themselves in a New York auto insurance plan. NAIIP assigns drivers to insurance companies involuntarily, requiring companies to provide coverage. But the NAIIP rate is generally higher.

While insurance for high-risk drivers is generally more expensive, the cost you pay can vary depending on the violation.

On average, New York drivers with a clean record may pay about $460 per month for liability coverage alone. An at-fault accident can affect your liability insurance premiums by an average of $635 per month.

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If you have an at-fault accident on your record, Travelers and Safeco offer the lowest monthly premiums for both liability and full coverage. Here is a breakdown of the average monthly insurance costs by insurer.

Quality Score (IQ) Quality Score uses more than 15 criteria for the purpose of Insurance companies on a scale of one to five. The editorial team researches the insurer’s data to determine the final score.

Disclaimer: Chart data derived from real-time quotes from 50-plus partner insurance carriers and price estimates from Quadrant Data Services. Actual quotes may vary based on the policy buyer’s specific driver profile.

High-risk Auto Insurance In New York: What To Do If You're Labeled Risky

Premiums increase even more for drivers with a DUI in New York. Again, Travelers and Safeco offer the most affordable coverage on average, with liability premiums around $324 and $420 per month, respectively.

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Learn more: How long does a DUI stay on your record? Best auto insurance for high risk drivers in New York with speeding tickets

While your insurance costs may increase after a speeding ticket in New York, certain insurers offer coverage that is more affordable than others. Travelers and Safeco offer the cheapest policies on average for both liability only and full coverage policies.

Travelers provides liability coverage for only $218 per month and full coverage for $265 per month, while Safeco provides liability coverage for only $289 per month and full coverage for $386 per month.

Your credit score may affect the cost of your car insurance in New York State. In general, insurers may consider drivers with bad credit to be a financial risk. That’s because if you have a history of missed payments, insurers may be concerned about your ability to pay your monthly premiums on time or at all.

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If you’re a high-risk driver looking for affordable car insurance in New York, it’s hard but not impossible to find.

“The most important thing to do is shop around for the best price,” Espenchied said. “Not all insurers treat high-risk drivers the same way, so it’s important to get quotes from multiple providers.”

You can also take some actions to improve your driving record and reduce the cost of your car insurance, including:

High-risk Auto Insurance In New York: What To Do If You're Labeled Risky

You may also have questions about getting coverage in New York. Here are some of the most common inquiries from drivers with multiple driving violations.

Best Cheap Car Insurance For High Risk Drivers

Jess is a personal finance writer who has been creating financial and business content for over a decade. Her work has been published in Investopedia, MoneyWise, NextAdvisor, The HuffPost, and others. Before becoming a full-time freelancer, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Chris is a writer/editor with previous experience across numerous industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and more.

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Elijah Black is a resident of Greenville, South Carolina with a BA. in English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He works as a production assistant for WYFF 4 and has been published in numerous publications and websites across the United States.

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Rachael Brennan┬áhas worked in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she obtained property and casualty licenses in all 50 states. After several years, she expanded her expertise in insurance, obtaining her license in health insurance and AD&D as well. She worked for a small health in…

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High-risk Auto Insurance In New York: What To Do If You're Labeled Risky

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Average Cost Of Car Insurance For August 2023

New York SR-22 insurance works differently than other states. Many states will require SR-22 insurance if the driver has a DUI or causes an accident without auto insurance. It is up to each state to decide if the SR-22 form will be required and for what reason.

In New York, an SR-22 form for insurance is not required, unless you move out of a state that requires them. Even if you don’t need SR-22 insurance in New York, your car insurance rates still influence your driving.

Since different companies charge different rates, the best way to get cheap insurance is to compare prices. Enter your ZIP now to get a quote, whether you need basic coverage or state SR-22 insurance.

What is SR-22 insurance and what is the SR-22 insurance form? SR-22 actually refers to a special form of auto insurance that is generally used in the case of drivers who have a serious moving violation such as a DUI or DWI, have lost their license, or are considered high risk by the insurer.

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Does New York require SR-22 insurance? In New York State, there are no SR-22 insurance requirements, although the state does have certain laws regarding car insurance. If you are in New York and you are searching for “cheap SR-22 insurance near me” or “cheapest SR-22 insurance near me”, you may be looking for something wrong. Six main factors affect car insurance rates in New York. If you’re wondering which auto insurance factor will affect your SR-22 rate the most, it’s usually DUI.

Let’s see how DUI affects New York insurance costs. This chart shows how insurance rates will increase based on your driving history.

The monthly average for a New York driver with a clean driving record is $305, but one DUI raises the monthly average to $477. That is something special

High-risk Auto Insurance In New York: What To Do If You're Labeled Risky

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