Why NYS auto allowance rate so high?

I live in New York and took over most of my late father’s car insurance. I was looking for quotes from insurance companies (Geico current), and all quotes are the same as I pay now, or more. My own license is clean, no accidents, injuries, cards, etc. I just want to know why are the NYS auto insurance rates so high?

New York State is divided into approximately 70 rating territories to reflect differences in claims costs in this field. Traffic, demographics and cost of goods and services contribute to variations in insurance costs. Are you a free quote, find the largest area par allowed.

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