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.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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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Cheapest recent rates in New York
Drivers using Insurify have found quotes as cheap as $121/mo for liability only and $183/mo for full coverage in New York.
*Quotes generated for Insurify users from New York within the last 10 days. Last updated on October 3, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 3, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from New York within the last 10 days. Last updated on October 3, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 3, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The average cost of car insurance in New York is $236 per month, which exceeds the national average of $158. 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 Liberty Mutual offer the cheapest average car insurance rates in New York.
New York drivers pay $207 per month for liability coverage and $266 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 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-ten 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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.6/10
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.
$121/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.
$183/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. CSAA offers the cheapest average rates in New York and offers home insurance in addition to car insurance. But you have to be a member of AAA to sign up for a policy.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
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.
$162/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.
$187/mo
If you want to get rewarded for safe driving, Safeco is worth considering. You’ll receive a 10% discount automatically when you sign up for its RightTrack program. You’ll download Safeco’s mobile app and drive for 90 days. The company says you could save up to 30% on your policy with RightTrack.
Safeco also offers accident forgiveness coverage and a diminishing deductible that decreases for up to five years or until you reach a maximum of $500.
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 increased my policy rates by 37% without any clear reason. They consider towing as a claim, which is puzzling since one pays for roadside assistance.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4/10
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.
$243/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.
$338/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
They keep raising rates without any apparent reason.
Virginia - October 2, 2024
Verified
This company is very deceptive. I'm an 86-year-old with only two minor tickets since I got my license at 18. Recently, I received a notice from my bank that Progressive had charged my credit card over $2500 without my knowledge or authorization. I discovered they had added three people to my policy because they said these individuals received mail at my address. These people do not live with me, and one of them is my granddaughter who lives in another state and hasn't visited my house in over 20 years. I've noticed online that they often do this to people. They never mention this underhanded policy when you purchase your policy.
This company is very deceptive. I'm an 86-year-old with only two minor tickets since I got my license at 18. Recently, I received a notice from my bank that Progressive had charged my credit card over $2500 without my knowledge or authorization. I discovered they had added three people to my policy because they said these individuals received mail at my address. These people do not live with me, and one of them is my granddaughter who lives in another state and hasn't visited my house in over 20 years. I've noticed online that they often do this to people. They never mention this underhanded policy when you purchase your policy.
Christine - October 2, 2024
Verified
Non-competitive
It's the only insurance company in my area. Looking at other sites always brings me back to Progressive. It's non-competitive.
…
How to get the cheapest car insurance in New York
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 with your financial plan and coverage requirements, ensuring you get the best value for your money.
Find Car Insurance in New York
Liability coverage in New York starts at $121 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. But it doesn’t cover your vehicle repairs or medical expenses.[2] Liability-only coverage makes the most sense for people who drive old or inexpensive vehicles.
On average, a liability-only policy in New York costs $207 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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: CSAA
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 full coverage.
Your lender will likely require you to have full-coverage insurance if you finance or lease your car. On average, full-coverage insurance in New York costs $266 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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 recent rates in New York
Drivers using Insurify have found quotes as cheap as $121/mo for liability only and $183/mo for full coverage in New York.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 3, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 3, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 3, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 3, 2024. 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 coverage
Glass coverage pays for 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 $266 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 $147 per month for drivers with an incident
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Based on 3,806+ reviews
4.8/5
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 $271 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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 $281 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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 $328 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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 25 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 $198 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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 $425 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: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Find Car Insurance in New York
Insurify partners with 100+ top insurers for real-time quotes
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Based on 3,806+ reviews
4.8/5
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 typically 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 $236 per month. On average, drivers pay $266 per month for full-coverage insurance and $207 for liability coverage.
Which company has the cheapest car insurance in New York?
CSAA offers the cheapest car insurance in New York, with a rate of $121 per month for liability coverage. With a liability insurance rate of $162, Safeco is the second-cheapest car insurance company. The liability coverage rate with Liberty Mutual — the third-cheapest insurer in the state — is $193 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 8.4 out of 10, and numerous available discounts, Progressive is the best car insurance company in New York. On average, Progressive drivers in New York pay $243 per month for liability coverage and $338 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.
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.
Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
Jacqueline DeMarco
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.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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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