13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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The average cost of car insurance in New York is $180 per month, which exceeds the national average of $155. Your location affects how much you pay for coverage. Drivers in densely populated areas, like Manhattan and Brooklyn, pay expensive premiums due to increased risks of car accidents and vehicle theft.
Additionally, New York faces severe winter storms, which may explain why drivers see such high rates throughout the state. Comparing quotes from multiple insurers can help you find affordable coverage.
Here’s what you need to know about finding cheap car insurance in New York.
Quick Facts
CSAA, Safeco, and Midvale Home & Auto offer the cheapest average car insurance rates in New York.
New York drivers pay $157 per month for liability coverage and $202 for full-coverage insurance, on average.
Because New York is a no-fault state, drivers involved in a car accident will need to file a claim with their respective insurers to cover medical expenses for an accident-related injury.[1]
Cheapest car insurance companies in New York
The best car insurance options don’t necessarily come with the lowest rates available for you. When it comes time to buy a car insurance policy, you need to consider more than just price. It’s always a good idea to consider other factors, like the company’s reputation regarding customer experience, customer service, and financial stability.
You also want to ensure you choose an auto insurance company that can offer you the right type and amount of coverage. The table below highlights a few of the best car insurance companies in New York that excel in a few different categories and offer competitive rates.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$142/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$204/mo
Due to the high cost of living in New York, drivers in the state may need to find ways to save money on insurance coverage. Safeco offers the cheapest average rates in New York and provides policyholders the option to bundle auto and home insurance.
In addition to standard coverage offerings, Safeco offers new-vehicle replacement and rental car reimbursement policies.
Pros
Option to bundle home and auto insurance
Backed by Liberty Mutual
Cons
Some negative Better Business bureau (BBB) reviews
Above-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)
They are really patient over the phone, and anytime I can change something on my policy online.
Mildred - August 30, 2023
Verified
Concern-free claims processing.
Billy - August 26, 2023
Verified
My rates have risen twice since being with them with no notice. They also screwed up my account by using the wrong Vin number.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$346/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$491/mo
As of 2022, 665,257 veterans live in New York state. These residents, current military members, and their eligible family members can qualify for USAA auto insurance. USAA offers competitive rates as well as policies and features tailored to military members. For instance, USAA provides a discount for vehicle storage on a military base during deployment.
Pros
Variety of discounts
A++ (Superior) financial strength rating from AM Best
Cons
Some negative BBB reviews
Only available to military members, veterans, and their families
They are the best in customer service.
Brenda - September 13, 2023
Verified
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$247/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$350/mo
To help save money on car insurance, you can always ask about potential discounts. Progressive is an excellent example of an auto insurer that charges affordable rates and offers many discounts, including multi-policy, safe driving, and good student discounts.
Pros
Many potential discounts
A+ (Superior) financial strength rating from AM Best
Cons
Some negative BBB reviews
No anti-theft device discount
My premiums continue to increase. I have no tickets and no accidents.
The following tips can help you earn cheaper car insurance premiums in New York:
Buy a cheaper car. Opt for a budget-friendly vehicle to avoid overspending on both the car itself and its insurance. Non-luxury cars tend to have lower service and repair costs, which leads to cheaper insurance claims and more affordable policy rates.
Ask for discounts. Don’t forget about potential discounts when talking to insurance agents. Many companies offer discounts for completing defensive driving courses, opting for paperless communication, bundling insurance products, maintaining good academic records, or having multiple drivers in the family.
Compare a few quotes. Taking the time to research and compare quotes from different auto insurance companies can help you find the cheapest options. By doing so, you can identify the policy that aligns perfectly with your financial plan and coverage requirements, ensuring you get the best value for your money.
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Liability coverage in New York starts at $141 per month
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Cheapest liability-only car insurance in New York: CSAA
In New York, having liability car insurance is a legal requirement. This policy type offers coverage for the other driver’s injuries and property damage in accidents you cause. However, it doesn’t cover your vehicle repairs or medical expenses.[2] Liability-only coverage makes the most sense for drivers of old or inexpensive vehicles.
On average, CSAA offers the cheapest liability-only car insurance policy in New York, at $141 per month. For more average monthly quotes from New York car insurance companies, check out the following table.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in New York: Safeco
Liability-only and full-coverage car insurance policies provide different levels of protection. A full-coverage policy covers not only others but also your own vehicle after theft, accidents, and more. If you own a new or expensive car, you should consider opting for full coverage.
Your lender will likely require you to have full-coverage insurance if you finance or lease your car. Safeco offers the cheapest average full-coverage car insurance policy in New York. On average, full-coverage insurance in New York costs $202 per month.
Below, you can compare average monthly full-coverage quotes from New York insurance companies.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in New York
If you fail to meet the minimum coverage requirements mandated by New York law, the Department of Motor Vehicles (DMV) can suspend your driver’s license and vehicle registration. Here are the specific insurance requirements in the state:[3]
While it’s mandatory to meet the minimum coverage requirements set by the state, you should also consider purchasing additional auto insurance coverages. Common options include the following:
Comprehensive coverage
Comprehensive coverage pays for damages from non-collision events, like fire, vandalism, theft, falling objects, and natural disasters.
Gap coverage
If you finance or lease your vehicle, you should consider buying gap insurance. It covers the difference between your auto loan balance and the insurance payout if someone steals your vehicle or you total your car.
Collision coverage
Collision coverage pays for damages incurred in collisions, regardless of fault. It applies to accidents involving other vehicles or objects.
Glass protection
Glass coverage covers damages to your windshield and other glass parts of the vehicle. Some policies even offer a deductible-free option for this coverage type.
Cheapest car insurance for drivers with an incident
Having a clean driving record is one of the best ways to secure cheap car insurance in New York. Driving incidents likeat-fault accidents, speeding tickets, and driving under the influence (DUI) charges can all cause your car insurance premium to increase.[4] New York drivers with a past incident on their record pay $225 per month for car insurance, on average.
Car insurance companies see a history of these incidents on your driving record as an indicator of an increased risk of claims filing. Practicing safe driving habits can help you maintain a clean driving record and earn competitive rates.
Shop for Car Insurance in New York
Liability coverage starts at $176 per month for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: CSAA
Driving above the speed limit can lead to dangerous accidents. If you have one or more speeding tickets on your driving record, insurers may assume you don’t practice safe driving habits and charge you higher average rates. The overall average cost of car insurance for New York drivers with a speeding ticket is $203 per month.
This table highlights the average quotes for drivers with speeding tickets in New York.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: CSAA
Insurance companies view people with at-fault accidents on their records as high-risk drivers. The exact premium increase you experience after an accident will depend on the severity of the incident and how much your insurer paid out in claims. On average, New York drivers with a past at-fault accident pay $205 per month for car insurance.
Here are the average car insurance quotes from New York insurers for drivers with an at-fault car accident on their records.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: CSAA
A DUI is one of the most severe driving violations. As a result, you can expect to see a significant increase in your car insurance rates if you have a DUI on your driving record. You may have to do a lot of research to find affordable car insurance from a company that will offer coverage to drivers with a past DUI.
New York drivers with a past DUI pay an average of $241 per month for auto coverage. Review the following table to get an idea of which car insurance companies charge the least on average for New York drivers with a DUI on their record.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: CSAA
Your age plays a role in insurance pricing. Car insurance rates typically decrease around age 35 due to increased driving experience and reduced risk-taking behavior among mature adults. And middle-aged drivers often earn the cheapest premiums by driver age.
Rates tend to increase for drivers around age 70 because older drivers may face declining cognitive and physical abilities, which can increase the likelihood of accidents, prompting insurers to adjust premiums to reflect the associated higher risks.
On average, senior drivers in New York pay $144 per month for car insurance. The table below has average insurance quotes for senior drivers in the state of New York.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: CSAA
Because teenagers have limited driving experience, they tend to get in more car accidents than older drivers. To help offset the risk of insuring them, car insurance companies typically charge young drivers the highest rates for car insurance until they demonstrate safe driving habits.
The overall average cost of car insurance for teen drivers in New York is $230 per month. To help lower costs, teens can look into earning good student or safety feature discounts. Joining their parents’ existing car insurance policy can also qualify the family for a multi-policy discount.[5]
Here are the cheapest car insurance companies for teen drivers in the state.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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New York car insurance quotes by credit tier
In some states, including New York, insurers can consider your credit-based insurance score when determining car insurance premiums. Having excellent or good credit indicates to car insurance companies that you’re less likely to file future claims. As a result, people with poor credit can expect to pay higher car insurance rates.[6]
In general, maintaining a strong credit history can help you save money on a wide variety of insurance products and other financial products. Here are average full-coverage rates for New York drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
New York car insurance FAQs
Before you start shopping around for car insurance, you should decide how much auto coverage you need. The following information should help you navigate the process of buying car insurance in New York.
How much is car insurance in New York?
The overall average cost of car insurance in New York is $180 per month. On average, drivers pay $202 per month for full-coverage insurance and $157 for liability coverage.
Who has the cheapest car insurance in New York?
CSAA offers the cheapest car insurance in New York, with a rate of $141 per month for liability coverage. With a liability insurance rate of $142, Safeco is the second-cheapest car insurance company. The liability coverage rate with Midvale Home & Auto — the third-cheapest insurer in the state — is $199 per month.
Comparing quotes from multiple companies is the best way to find cheap coverage that meets your insurance needs.
What are the best car insurance companies in New York?
With an A+ (Superior) financial strength rating from AM Best, an Insurify Quality (IQ) Score of 3.9 out of 5, and numerous available discounts, Progressive is the best car insurance company in New York. On average, Progressive drivers in New York pay $247 per month for liability coverage and $350 for full coverage. Other top insurers include Safeco and USAA.
Is New York a no-fault state?
Yes. New York is a no-fault state. This means that drivers involved in an accident must file claims with their personal insurance companies to receive coverage for accident-related injuries.
Insurify Insights
How New York Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in New York below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how New York drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in New York
#44
State with the Most Speeding Tickets Rank
#48
State with the Moving Violations Rank
#35
State with the Most DUIs Rank
#40
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. New York is the #47 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #47
Percent of drivers in New York with an accident: 6.2%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New York is the #35 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #35
Percent of drivers in New York with a DUI: 1%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. New York is the #33 state in the country for drivers with a reckless driving offense on record.
Rank among states: #33
Percent of drivers in New York with a reckless driving offense: 1.1%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. New York is the #34 state in the country for drivers with a rude driving violation on record.
Rank among states: #34
Percent of drivers in New York with a rude driving violation: 1.3%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. New York is the #44 state in the country for drivers with a speeding ticket on record.
Rank among states: #44
Percent of drivers in New York with a speeding ticket: 6.4%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New York is the #49 state in the country for drivers with a failure to yield violation on record.
Rank among states: #49
Percent of drivers in New York with a failure to yield violation: 0%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Safeco
USAA
Progressive
