Cheap Auto Insurance Quotes for Drivers Requiring a SR22 in New York

Cheap Auto Insurance Quotes for Drivers Requiring a SR22 in New York

Finding good, budget car insurance is confusing at best, and figuring out which company quotes the most affordable car insurance rates for drivers requiring a SR22 will require even more work. Insurance premiums will more than likely be much more than the average policy in New York due to the added risk that comes with selling coverage for high risk drivers, but reasonable insurance should be available if you find the right company. Every auto insurer has a different formula for establishing rates, so let’s begin by taking a look at the most competitive car insurance companies in New York.

It’s important that you understand New York car insurance rates are impacted by many things which can significantly increase or decrease the policy premium. Improving your credit score, becoming a homeowner, or getting a DUI can trigger price changes resulting in some rates now being cheaper than competitors.

Best Auto Insurance Prices for SR22 Drivers

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USAA may offer some of the lowest car insurance rates in New York at around $1,199 per year. Erie, Utica National, Progressive, and Travelers are also some of the cheapest New York car insurance companies.

As shown in the table above, if you currently buy coverage from Progressive and switched to Erie, you could see an annual premium reduction of roughly $337. Drivers with Travelers might save as much as $370 a year, and Amica policyholders might realize rate reductions of up to $375 a year.

If you would like to find cheap auto insurance for drivers requiring a SR22 in New York, click here to start your free quote or feel free to get quotes from the companies below.

Bear in mind that those premium estimates are averages for all insureds and vehicles and and are not figured with a rate surcharge for drivers requiring a SR22. So the insurer that can offer the best rates for your situation may not even be featured in the list of companies above. That helps illustrate why you need to get rate quotes using your own driver data and vehicle information.

For New York drivers, one of the components used to calculate rate quotes is where your home is located in New York. Areas with more people or higher crime rates like New York, Hempstead, and Mount Vernon tend to have higher rates, whereas areas with less crime or weather claims generally pay less for car insurance.

The next table lists the most expensive places in New York for drivers requiring a SR22 to purchase auto insurance in.

How much does car insurance cost in New York?
Rank City Annual Rate
1 New York $2,708
2 Freeport $2,303
3 Hempstead $2,301
4 Levittown $2,041
5 Mount Vernon $1,978
6 Yonkers $1,920
7 Hicksville $1,919
8 West Babylon $1,856
9 Brentwood $1,853
10 Coram $1,784
11 White Plains $1,661
12 New Rochelle $1,659
13 Buffalo $1,533
14 Niagara Falls $1,237
15 Cheektowaga $1,216
16 West Seneca $1,201
17 Tonawanda $1,177
18 Utica $1,103
19 Syracuse $1,097
20 Albany $1,067
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Information shown are comparative as the vehicle garaging location can decrease or increase rates noticeably.

The vehicle needing coverage is probably the largest consideration that determines if you can find cheap auto insurance for drivers requiring a SR22 in New York. Vehicles with economical engines, good safety features, or a track record of few liability claims will cost significantly less to insure than fast, unsafe models. The next table features coverage rates for a selection of the more afforable vehicles to buy insurance for.

Cheapest Auto Insurance Rates for Drivers Requiring a SR22 in New York
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,925
Honda CR-V EX-L 2WD $2,016
Chevrolet Traverse LS AWD $2,045
Ford Escape Limited 4WD $2,072
Toyota Prius $2,099
Jeep Wrangler Rubicon 4WD 2-Dr $2,161
Ford F-150 STX Regular Cab 2WD $2,202
Dodge Grand Caravan SE $2,230
Kia Forte LX 4-Dr Sedan $2,239
Honda Odyssey EX W/Rear Entertainment $2,257
Ford Edge Limited 2WD $2,266
Ford Fusion S 4-Dr Sedan $2,283
Chevrolet Malibu LS $2,288
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Premium data assumes single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and New York minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rate information does not factor in garaging location in New York which can increase or decrease auto insurance rates noticeably.

Based upon the table data, you can infer that models like the Honda Accord, Honda CR-V, Chevrolet Traverse, and Ford Escape are most likely to be some of the more affordable vehicles to insure for high risk drivers. Prices will trend higher because of the fact that there is more claim exposure for drivers requiring a SR22, but generally speaking those vehicles will tend to have the cheapest rates compared to other types of vehicles.

Buying coverage from a highly-rated auto insurance provider can be challenging considering how many different companies insure vehicles in New York. The company information displayed below may help you decide which insurers to look at when shopping insurance around for drivers requiring a SR22. The rankings below are only comprised of major nationwide insurance companies, so companies without a large exposure are not included in this list.

Top Ten Car 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
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Data Source: Insure.com Best Car Insurance Companies