Cheap Auto Insurance Quotes in New York (2021)

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To paraphrase Ol' Blue Eyes, if you can make your car insurance cheap in New York, you can make it anywhere. 

Before you and your Rat Pack go cruising for a night on the town are you getting the best car insurance rate? Here’s our guide to the cheapest car insurance quotes in the Empire State.

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.

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. For the complete list, see Insurify's best car insurance companies.

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.

Quotes by Top Carriers
Quotes ($/mo)
$91
$111
$231
$290
GEICOState FarmProgressiveLiberty Mutual
Monthly $
CityCheapest Carrier
GEICO
$91/mo
GEICO
$122/mo
Liberty MutualLiberty Mutual
$344/mo
GEICO
$121/mo
GEICO
$87/mo
GEICO
$58/mo
GEICO
$128/mo
GEICO
$67/mo
GEICO
$55/mo
GEICO
$91/mo
Progressive
$113/mo
GEICO
$57/mo
GEICO
$64/mo
GEICO
$120/mo
GEICO
$54/mo
Progressive
$8/mo
GEICO
$155/mo
GEICO
$107/mo
TSC DirectTSC Direct
$106/mo
Plymouth RockPlymouth Rock
$108/mo
TravelersTravelers
$121/mo
TSC DirectTSC Direct
$145/mo
TravelersTravelers
$125/mo
TSC DirectTSC Direct
$118/mo
TSC DirectTSC Direct
$139/mo
Plymouth RockPlymouth Rock
$117/mo
TSC DirectTSC Direct
$121/mo
TSC DirectTSC Direct
$94/mo
TSC DirectTSC Direct
$97/mo
TravelersTravelers
$131/mo
TSC DirectTSC Direct
$116/mo
TravelersTravelers
$207/mo
TSC DirectTSC Direct
$104/mo
Progressive
$97/mo
TSC DirectTSC Direct
$133/mo
TSC DirectTSC Direct
$170/mo
SafecoSafeco
$182/mo
TravelersTravelers
$130/mo
TravelersTravelers
$199/mo
TravelersTravelers
$201/mo
SafecoSafeco
$164/mo
TravelersTravelers
$151/mo
TSC DirectTSC Direct
$106/mo
TSC DirectTSC Direct
$119/mo
Plymouth RockPlymouth Rock
$125/mo
TSC DirectTSC Direct
$220/mo
Plymouth RockPlymouth Rock
$147/mo
TSC DirectTSC Direct
$114/mo
Plymouth RockPlymouth Rock
$143/mo
TravelersTravelers
$102/mo
TSC DirectTSC Direct
$118/mo

Cheapest Liability Auto Insurance in New York

For drivers in New York, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in New York. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in New York.

Cheapest Full Coverage Auto Insurance in New York

For drivers in New York, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in New York. The following are the best insurance rates from carriers that offer full coverage auto insurance in New York.

New York Driving Facts

new-york

Minimum Car Insurance Requirements in NY

The state of New York requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in New York are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury liability coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits New York state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liablilty insurance requirements in New York are: 

  • $10,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of New York requires $10,000 for the minimum. You’ll see the collective state minimum listed at 25/50/10. The second 10 refers to the property damage liability. Once again, any damages above the $10,000 are your responsibility.

  • $50,000 personal injury protection (PIP) per person per accident

New York is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is a mandatory coverage for all drivers. New York PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state requires $50,000 for the minimum.

What happens if a driver hits you without insurance or enough insurance to pay for your damages? The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily per person
  • $50,000 uninsured/underinsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

Cheapest Car Insurance Quotes in New York by Profile

Here are the cheapest insurance companies in New York based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For New York drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in New York, at $8 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Progressive
$8/mo
GEICO
$54/mo
State Farm
$71/mo
Liberty Mutual
$157/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
USAA
$79/mo
New York Central
$85/mo
Progressive
$90/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
USAA
$51/mo
Preferred Mutual
$57/mo
Erie
$95/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
USAA
$53/mo
Erie
$65/mo
Travelers
$66/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of New York, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Preferred Mutual offers the cheapest car insurance rates for young drivers, averaging $43 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, New York 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young New Yorkers lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
Preferred Mutual
$43/mo
USAA
$49/mo
Travelers
$51/mo
GEICO
$54/mo
Erie
$57/mo

SR‌-22 Insurance in New York

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of New York on your behalf.

NY DMV Information

The New York DMV has several locations to serve the state. You can check for the nearest location hrtr. The DMV is walk-in friendly, but you’ll need to schedule a road test ahead of time.

The online portal at MyDMV lets you:

  • Change your address
  • Check your license status
  • Check your registration information
  • Get your driving record
  • Become an organ donor
  • Restore your license after revocation
  • Register to vote

Insurify Insights: How New York Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how New York drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents New York

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. Among all fifty states, New York drivers rank 47 in the number of car accidents per driver.

  • Rank of States: #47
  • Percent of drivers in New York with an accident: 7.99%
  • Drivers in NY with an accident in their driving history paid on average 1.49% more than drivers with a clean record

Speeding New York

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. New York drivers rank 50 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #50
  • Percent of drivers in New York with a speeding ticket: 5.48%
  • Drivers in NY with a speeding ticket in their driving history paid on average 0.9% more than drivers with a clean record

DUI/DWIs New York

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New York drivers rank 38 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #38
  • Percent of drivers in New York with a DUI: 1.45%
  • Drivers in NY with a DUI in their driving history paid on average -89.55% more than drivers with a clean record

Most Popular Vehicle New York

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in New York is the Honda Accord.

Rude New York

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, New York drivers rank 10 in rude driving infractions.

  • Rank of States: #10
  • Percent of drivers in New York with a reckless driving violation: 2.04%
  • Drivers in NY with a reckless driving violation in their driving history paid on average -94.33% more than drivers with a clean record.

Safest Drivers New York

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; New York drivers rank 3 in clean driving records across all fifty states.

  • Rank of States: #3
  • Percent of drivers in New York with clean record: 86.08%

Street Racing New York

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, New York drivers rank 37 in street racing violations per driver.

  • Rank of States: #37
  • Percent of drivers in New York with a street racing violation: --%

Failure to Yield the Right of Way New York

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New York drivers rank 25 in failure to yield violations per driver across all fifty states.

  • Rank of States: #25
  • Percent of drivers in New York with a failure to yield violation: 0.39%
  • Drivers in NY with a failure to yield violation in their driving history paid on average -93.13% more than drivers with a clean record

Reckless Drivers New York

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. Among all fifty states, New York drivers rank 49 in the number of reckless driving offenses per driver.

  • Rank of States: #49
  • Percent of drivers in New York with a reckless driving offense: 0.02%

Hybrid/Electric Vehicle Ownership New York

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. New York drivers rank 13 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #13
  • Percent of drivers in New York with a hybrid/electric vehicle: 1.22%

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.

Greenes Cities

Long Island City

Greenes Cities
% of Hybrids / Electrics
7%
Most Patriotic City

Most Patriotic City

Syracuse

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 with cars illustration

Road Rankings

11%Rural Roads in
Poor Condition

#17
Ranked

13%Structurally Deficient
Rural Bridges

#7
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#34
Ranked


FAQs - New York Car Insurance

What happens if I get caught driving uninsured in New York?

Your vehicle registration and driver’s license will be revoked for at least one year if you’ve been involved in a traffic crash without insurance. The same penalty applies if someone else is driving your uninsured vehicle, and he or she is involved in an accident. You could be fined as much as $1,500 for driving without insurance or allowing someone else to drive uninsured. You also must pay a $750 civil penalty to get your license back.

How is fault assigned after a car accident in New York?

New York is a no-fault state. That means that your own insurance company pays for damages regardless of fault or who caused the accident.

Can I drive legally in New York if I am undocumented?

As of December 16, 2019, the Driver’s License Access and Privacy Act or “Green Light Law” allows you to drive legally in New York if you’re undocumented. You’ll have to prove your name, date of birth, and residency. You must pass the permit and licensing tests.

Who Has the Cheapest Car Insurance in New York?

The best way to find the cheapest car insurance for New York drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.