# NY has nothing to complain about car insurance rates **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [March 19, 2013, 6:14am UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388 "2013-03-19T06:14:52Z")\ **Posts on this page:** 14\ **Page:** 1
**Author:** ![BigRon](https://avatars.discourse-cdn.com/v4/letter/b/58956e/32.png) [@BigRon](https://forums.speedlife.net/u/BigRon)\ **Post date:** [March 19, 2013, 6:14am UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/1 "2013-03-19T06:14:52Z")
$140 a year cheaper than the national avearge and ranked 33rd. > **[Car insurance rates by state: Most and least expensive](https://www.insure.com/car-insurance/car-insurance-rates.html)** > > Find out which states are the most and least expensive for car insurance and see how your state ranks. ---
**Author:** ![LZ1](https://avatars.discourse-cdn.com/v4/letter/l/7ab992/32.png) [@LZ1](https://forums.speedlife.net/u/LZ1)\ **Post date:** [March 19, 2013, 6:19am UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/2 "2013-03-19T06:19:22Z")
WAIT SO IT IS CHEAP TO LIVE IN NYS!!! ---
**Author:** ![BOBBYGRV](https://avatars.discourse-cdn.com/v4/letter/b/ed8c4c/32.png) [@BOBBYGRV](https://forums.speedlife.net/u/BOBBYGRV)\ **Post date:** [March 19, 2013, 6:20am UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/3 "2013-03-19T06:20:42Z")
Certain companies also write limits that should be illegal too…having the ability to sell someone liability of 25k is just not right… ---
**Author:** ![1QIKZ](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/1qikz/32/6112_2.png) [@1QIKZ](https://forums.speedlife.net/u/1QIKZ)\ **Post date:** [March 19, 2013, 6:35am UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/4 "2013-03-19T06:35:15Z")
Yeah right. Hope Bobby is reading this. ---
**Author:** ![cretinx](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/cretinx/32/6121_2.png) [@cretinx](https://forums.speedlife.net/u/cretinx)\ **Post date:** [March 19, 2013, 6:42am UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/5 "2013-03-19T06:42:23Z")
having lived in Virginia and DC, I concur - NY insurance rates are dirt ass cheap. ---
**Author:** ![BigRon](https://avatars.discourse-cdn.com/v4/letter/b/58956e/32.png) [@BigRon](https://forums.speedlife.net/u/BigRon)\ **Post date:** [March 19, 2013, 7:46am UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/6 "2013-03-19T07:46:21Z")
Well Michigan/Detroit seems to have it the worst. Sure Louisiana is a little higher but that is due to natural disasters, not laws like “no fault”. A guy runs a red light and totals my car, my insurance has to fix my car. I have to personally go after the other guy if I want to try and get $500 to cover my deductible. I have a co-worker who has been to court twice in the past year trying to get the $500 and at this point he is just fighting the fight on principle. ---
**Author:** ![boardjnky4](https://avatars.discourse-cdn.com/v4/letter/b/96bed5/32.png) [@boardjnky4](https://forums.speedlife.net/u/boardjnky4)\ **Post date:** [March 19, 2013, 8:10am UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/7 "2013-03-19T08:10:50Z")
49 North Carolina $ 1,085 almost $300 less on average. I can confirm that my rates are dirt cheap as well. ---
**Author:** ![superfan99](https://avatars.discourse-cdn.com/v4/letter/s/96bed5/32.png) [@superfan99](https://forums.speedlife.net/u/superfan99)\ **Post date:** [March 19, 2013, 11:07am UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/8 "2013-03-19T11:07:10Z")
Sweet, 2 cars and I’m still over $400 less than the average for the state. ---
**Author:** ![BOBBYGRV](https://avatars.discourse-cdn.com/v4/letter/b/ed8c4c/32.png) [@BOBBYGRV](https://forums.speedlife.net/u/BOBBYGRV)\ **Post date:** [March 19, 2013, 11:17am UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/9 "2013-03-19T11:17:11Z")
> [@superfan99](#): > > Sweet, 2 cars and I’m still over $400 less than the average for the state. Don’t get too excited. You probably don’t have half the coverage that this “average” is accounting for. super low premium usually = lowest limits of liability you can get. If you get into and accident you are liable for more than you carry on you insurance policy, there goes your savings, home, etc… ---
**Author:** ![superfan99](https://avatars.discourse-cdn.com/v4/letter/s/96bed5/32.png) [@superfan99](https://forums.speedlife.net/u/superfan99)\ **Post date:** [March 19, 2013, 12:05pm UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/10 "2013-03-19T12:05:01Z")
> [@BOBBYGRV](#): > > Don’t get too excited. You probably don’t have half the coverage that this “average” is accounting for. super low premium usually = lowest limits of liability you can get. If you get into and accident you are liable for more than you carry on you insurance policy, there goes your savings, home, etc… 500K liability plus I have an umbrella policy. I haven’t had minimum coverage in ages. ---
**Author:** ![BOBBYGRV](https://avatars.discourse-cdn.com/v4/letter/b/ed8c4c/32.png) [@BOBBYGRV](https://forums.speedlife.net/u/BOBBYGRV)\ **Post date:** [March 19, 2013, 1:08pm UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/11 "2013-03-19T13:08:07Z")
That is good for you. You are more educated than 75% of people who own insurance. Most people shop for the lowest coverage at the lowest price. ---
**Author:** ![superfan99](https://avatars.discourse-cdn.com/v4/letter/s/96bed5/32.png) [@superfan99](https://forums.speedlife.net/u/superfan99)\ **Post date:** [March 19, 2013, 1:30pm UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/12 "2013-03-19T13:30:11Z")
Yeah, that makes sense when you barely make enough money to pay your bills. Once you have any sort of assets it’s time to up the limits. ---
**Author:** ![Freek](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/freek/32/7357_2.png) [@Freek](https://forums.speedlife.net/u/Freek)\ **Post date:** [March 19, 2013, 6:16pm UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/13 "2013-03-19T18:16:57Z")
For max coverage on three cars I’m still lower than the top ten. ---
**Author:** ![1QIKZ](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/1qikz/32/6112_2.png) [@1QIKZ](https://forums.speedlife.net/u/1QIKZ)\ **Post date:** [March 19, 2013, 6:47pm UTC](https://forums.speedlife.net/t/ny-has-nothing-to-complain-about-car-insurance-rates/229388/14 "2013-03-19T18:47:04Z")
> [@superfan99](#): > > Yeah, that makes sense when you barely make enough money to pay your bills. Once you have any sort of assets it’s time to up the limits. Let em come after me. By the time they’re done they’ll end up owing ME money.