In our analysis, Progressive emerges as the most affordable choice for young drivers, senior drivers, and those with speeding tickets, accidents, or DUIs. GEICO offers the best rates for drivers with bad credit and those with both credit issues and driving violations.
High-Risk Car Insurance NY
Updated: May 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
For New York residents needing high-risk car insurance, Progressive, Kemper and GEICO offer the most affordable rates for state minimum and full coverage options.
Annual car insurance rates for high-risk drivers vary widely, with the lowest being $1,521 and the highest reaching $8,691, depending on the provider and coverage.
To secure the best deal on high-risk car insurance, determine your coverage needs, research average costs and discounts and compare multiple providers to find the best fit.
Cheapest Car Insurance for High-Risk Drivers in NY
| Progressive | Young Drivers | $67 |
| Progressive | Senior Drivers | $65 |
| Progressive | Drivers With a Speeding Ticket | $63 |
| Progressive | Drivers With an Accident | $61 |
| Progressive | Drivers With a DUI | $64 |
| GEICO | Drivers With Bad Credit | $127 |
| GEICO | Drivers With Bad Credit And Driving Violations | $148 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap NY High-Risk Car Insurance Providers
While our table above shows some affordable companies for high-risk insurance, it might not fit every driver. Below, we've added a table to help you compare rates from top providers based on your specific needs.
Data filtered by:Results filtered by:
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Age Range:22-29
Select
Driving Record:Accident $1000-$1999 Prop Dmg
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Credit Score:Good
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| Progressive | $106 | $1,270 |
| Kemper | $181 | $2,172 |
| GEICO | $212 | $2,541 |
| Erie | $230 | $2,758 |
| American Family | $230 | $2,761 |
How Much is High-Risk Car Insurance in NY?
Overall, high-risk car insurance costs in New York can range anywhere from $127 to $7,176 monthly, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Clean
Select
Credit:Good
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Coverage Level:State Minimum Liability Only
| $141 | $1,693 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you're driving in New York, a major driving offense, like a DUI or reckless driving, could potentially influence your car insurance rates for up to a decade. By contrast, if you've committed a minor offense, expect it to impact your premiums for about three to five years.
The duration your rates are affected depends on your insurance provider because they set their own rules within these general guidelines.
New York High-Risk Car Insurance: Buyer's Guide
High-risk drivers often find it difficult to get insurance. Our guide helps you understand why you might be considered high-risk and how to find affordable insurance options. If you're denied, explore alternative steps to secure coverage.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find the Best High-Risk Car Insurance in NY
Below, we've shared key tips to help you save money and find the best provider for high-risk car insurance in the Empire State.
- 1
Decide What Coverage You Need
To avoid being swayed by popular opinion or assertive agents, it's best to determine your car insurance needs before comparing providers. This includes considering any necessary add-ons, like rideshare coverage and roadside assistance. Use our car insurance coverage calculator to find out how much auto insurance you need for your situation.
- 2
Research Average Costs and Discounts
Understanding average costs and potential discounts for your profile helps you gauge the value of deals and prioritize insurers. Exploring certified defensive driving courses in your state could save you up to 10% on premiums, offering a practical way to lower costs while enhancing driving skills.
- 3
Consider Non-Traditional Coverage Options
Exploring pay-per-mile insurance and other usage-based programs could significantly reduce costs for low-mileage and safe drivers. For instance, Geico’s telematics program, which monitors driving habits, can potentially decrease your premium by up to 30%, providing substantial savings for careful drivers.
- 4
Compare Multiple Providers
After evaluating all options, it’s crucial to compare at least three providers to understand market offerings. Utilize both independent brokers and online comparison tools, as rates can vary among companies. Ensuring comparisons are consistent across coverage types is vital for accurately assessing how providers compare.
What To Do if You Get Denied Coverage in New York
Car insurance companies might refuse to insure you if they find your details too risky. But don't worry, you can still get a plan through the Automobile Insurance Plan Service Office (AIPSO).
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:30 a.m.–4:15 p.m. ET
nyaip@aipso.com
Phone
(212) 943-5100
Fax
(856) 722-9382
Mailing Address
22 Cortlandt Street Suite 2101
New York, NY 10007-3151
Car Insurance for High-Risk Drivers in NY: Bottom Line
Based on research, Progressive, Kemper, and GEICO offer the most affordable high-risk insurance in New York. While these are the cheapest, it's wise to do your own research and compare costs to find the best deal. If you're denied coverage, don't worry, programs exist to help you secure affordable insurance.
NY Car Insurance for High-Risk Drivers: FAQ
Below are answers to common questions about high-risk car insurance for New York drivers.
What is the cheapest high-risk car insurance provider in New York?
Progressive is the most affordable high-risk car insurance provider in New York, offering competitive rates for various driver profiles.
The cheapest rate for monthly high-risk car insurance in New York is $61 through Progressive for drivers with an accident history.
What do I do if I get denied for coverage?
If denied coverage, reach out to the Automobile Insurance Plan Service Office for assistance in obtaining necessary coverage.
How much more expensive is high-risk car insurance in New York?
High-risk car insurance in New York can be up to 20% to 29% more expensive than minimum coverage for drivers with clean records, based on age and violation type.
For adults aged 30 to 50, DUI and accident-related high-risk premiums significantly surpass those with a clean driving record.
How We Chose The Cheapest High-Risk Car Insurance in New York
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.