Cheapest Car Insurance in New York

Here are the cheapest carriers in New York for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in New York.

Companies Quotes
Progressive

Progressive

$8 /mo
State Farm

State Farm

$71 /mo
Liberty Mutual

Liberty Mutual

$157 /mo

Best Car Insurance in New York

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in New York.

Companies Insurify
Composite Score
Quotes

State Farm

84
$71 /mo

Liberty Mutual

84
$157 /mo

Progressive

82
$8 /mo

Car Insurance in New York

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in New York to find you the cheapest quotes in each of these metropolitan areas.

New York City, New York's population (if not physical) epicenter, is infamous for congested streets and potholes galore. Look out if you're taking on the challenge of driving in the Big Apple: a recent investigation has found that many city vehicles have outstanding safety recalls.

New York Driving Facts

New York's minimum liability car insurance limits are as follows:

  • $25,000 for injuries to one person
  • $50,000 for injuries to multiple people
  • $50,000 for death to one person $100,000 for death to multiple people $10,000 for property damage

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

dui
States with Most
DUIs Rank
#34
moving violations
States with Most
Moving Violations Rank
#30
popular car
State's
Most Popular Car
Honda Accord
speeding violations
States with Most
Speeding Tickets Rank
#43
suspended licenses
States with Most
Suspended Licenses Rank
#43

Greenest Cities in New York

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of New York offers many green driver incentives, including federal tax credits, vouchers, green pass discounts for E-ZPass hybrids, and discounts through some car insurance carriers.

green city award

Jamaica, Queens


most patriotic
% of Hybrids/Electrics 3%

Most Patriotic City

Rochester

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Rochester won Insurify's Most Patriotic Cities Award for the state of New York. It is home to a vibrant community of former servicepeople. Rochester itself was at the center of many important political and social movements: it was once an important stop along the Underground Railroad, and saw the growth of the women's suffrage movement once Susan B. Anthony settled there in 1846.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in New York is vital for all car insurance shoppers hitting the road in The Empire State.

Road Rankings

13% Structurally Deficient
Rural Bridges

#13 Ranked