Your question: Is car insurance cheaper in California than New York?

Is car insurance cheaper in NY or California?

Expect to pay less for auto insurance in California than you did in New York. The average annual auto insurance rate in California is $482 less than the average rate in New York. The exact cost may vary, depending on your coverage level, driving and insurance history, and your auto insurance company.

Is insurance more expensive in NYC?

Car insurance in New York is more expensive than the national average, which is around $1,500 annually for full coverage and about $600 per year for minimum coverage. … As the cost of providing insurance goes up, the premiums insurers charge also rise. All insured drivers share the increasing cost of insurance.

Which states do not require car insurance?

There are only two states where car insurance is not mandatory for all drivers: Virginia and New Hampshire. In Virginia, an uninsured motor vehicle fee may be paid to the state, while in New Hampshire, vehicle owners have the option to post cash bonds.

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Does ZIP code affect car insurance?

Your specific ZIP code will affect what you pay on average for auto insurance. When you do an insurance rate comparison by ZIP code, you will find that auto insurance rates can drastically change within the same local areas based on their differing ZIP codes.

How much is car insurance a month NYC?

On average, drivers in New York City pay $562 a month for full-coverage car insurance. The minimum-coverage average is $387 a month.

How much is car insurance in NY on average?

The average cost of car insurance in New York state is $2,321 per year for full coverage and $1,062 per year for minimum coverage.

How much is car insurance in NY a month?

The average cost of full coverage auto insurance in New York is $2,777 per year, or $231 per month, but drivers could find cheaper rates by comparing car insurance companies.

Is it illegal to have no car insurance?

According to the New South Wales Roads and Maritime Services website, in NSW you’ll risk a $607 fine for driving a vehicle that’s unregistered and a $530 fine for driving a vehicle that’s uninsured.

Is it illegal to not have car insurance in California?

Driving without insurance is illegal. Also, you must have liability coverage to register your car. Your insurance company tells the California Department of Motor Vehicles (DMV) if you buy auto insurance or if you stop paying your premium.

Why is car insurance mandatory but not health?

Car insurance is required because driving is potentially a negative externality, which is offset when the driver who caused the accident pays the aggrieved party for damages. The Affordable Care Act used to require people to acquire health insurance or pay a tax penalty.

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What city in Florida has the cheapest car insurance?

Cheap Car Insurance in Florida by City

In Florida, the cities with the cheapest state minimum liability coverage are Marianna, Bonifay and Chipley. The cities with the cheapest full cover are High Springs and Alachua.

Does where you live affect your car insurance rates?

The state in which you live can have a profound effect on your car insurance premiums. While auto insurance premiums are largely based on personal factors, including one’s driving record, age, gender, marital status, and so forth, where a driver lives can have a significant impact on his or her rates.