There are several factors that affect your auto insurance premiums, such as your driving record, the state you live in, your zip code, and your age.
The average auto insurance rates differ from zip code to zip code in New York, with Syracuse being the least expensive and Brooklyn being the most expensive zip code to insure a car. The average annual insurance rate in the state of New York is $1,369.
The average insurance rates in the different cities of New York as of December 2013 have been listed in the table below.
|City||Average Annual Insurance Premium ($)|
New York is a no-fault insurance state, and has strict state laws aimed at curbing drunk driving. Arresting officers in New York do not require proof of consumption if they find unsealed alcohol containers in the vehicle.
The average insurance rates are likely to increase if your insurance company is one of the many that stick to Insurance Service Office’s (ISO) surcharge schedule. This could bring your rates up to $1153-$1345 in Syracuse, $1200-$1400 in Rochester, $2124-$2478 in Buffalo, $3442-$4015 in Long Island, and $4720-$5506 in Brooklyn.
Your first drunk driving offense in Brooklyn will hike up your already high premium up to $7315. In Long Island, your average premium after one alcohol related offense will be around $5334. These are the two most expensive areas to drive drunk in. Your premiums will stay high for three years from the date you were first pulled over for driving under the influence. This spells long term additional costs that run into thousands of dollars.
If you get into an accident during the term of your policy, your premium could increase to $4844 in Brooklyn, and $3532 in Long Island. Your second accident will drive you premium further uphill, as high as $5269 in Long Island and $7226 in Brooklyn. All these factors considered, it may be wise to take a defensive driving course, not only to reduce your premiums, but also to prepare you to drive in adverse weather conditions. It might save your life, as well as help you keep your premiums low.