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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.
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.
| Cheapest Companies | |
|---|---|
Progressive | $8/mo |
GEICO | $54/mo |
 State Farm | $71/mo |
 Liberty Mutual | $157/mo |
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.
| Best Companies | ||
|---|---|---|
GEICO | $54/mo | |
State Farm | $71/mo | |
Liberty Mutual | $157/mo | |
Progressive | $8/mo |
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.
| City | Cheapest Carrier | |
|---|---|---|
| New York City | GEICO | $91/mo |
| Brooklyn | GEICO | $122/mo |
| Bronx |  Liberty Mutual | $344/mo |
| Staten Island | GEICO | $121/mo |
| Buffalo | GEICO | $87/mo |
| Rochester | GEICO | $58/mo |
| Yonkers | GEICO | $128/mo |
| Syracuse | GEICO | $67/mo |
| Albany | GEICO | $55/mo |
| New Rochelle | GEICO | $91/mo |
| Mount Vernon | Progressive | $113/mo |
| Schenectady | GEICO | $57/mo |
| Utica | GEICO | $64/mo |
| Brentwood | GEICO | $120/mo |
| Clay | GEICO | $54/mo |
| White Plains | Progressive | $8/mo |
| Hempstead | GEICO | $155/mo |
| Levittown | GEICO | $107/mo |
| Astoria |  TSC Direct | $106/mo |
| Baldwinsville |  Plymouth Rock | $108/mo |
| Ballston Spa |  Travelers | $121/mo |
| Bay Shore | TSC Direct | $145/mo |
| Binghamton | Travelers | $125/mo |
| Elmhurst | TSC Direct | $118/mo |
| Elmont | TSC Direct | $139/mo |
| Endicott | Plymouth Rock | $117/mo |
| Flushing | TSC Direct | $121/mo |
| Forest Hills | TSC Direct | $94/mo |
| Fresh Meadows | TSC Direct | $97/mo |
| Hamburg | Travelers | $131/mo |
| Hicksville | TSC Direct | $116/mo |
| Huntington | Travelers | $207/mo |
| Huntington Station | TSC Direct | $104/mo |
| Ithaca | Progressive | $97/mo |
| Jackson Heights | TSC Direct | $133/mo |
| Jamaica | TSC Direct | $170/mo |
| Lindenhurst |  Safeco | $182/mo |
| Lockport | Travelers | $130/mo |
| Long Island City | Travelers | $199/mo |
| Middletown | Travelers | $201/mo |
| Newburgh | Safeco | $164/mo |
| Poughkeepsie | Travelers | $151/mo |
| Rego Park | TSC Direct | $106/mo |
| Ridgewood | TSC Direct | $119/mo |
| Rome | Plymouth Rock | $125/mo |
| South Ozone Park | TSC Direct | $220/mo |
| Troy | Plymouth Rock | $147/mo |
| Valley Stream | TSC Direct | $114/mo |
| Wappingers Falls | Plymouth Rock | $143/mo |
| Webster | Travelers | $102/mo |
| Woodside | TSC Direct | $118/mo |
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 companies | |
|---|---|
 Kemper Preferred | $89/mo |
 TSC Direct | $91/mo |
 Travelers | $179/mo |
 Plymouth Rock | $186/mo |
 Safeco | $233/mo |
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.
| Cheapest companies | |
|---|---|
TSC Direct | $160/mo |
Kemper Preferred | $178/mo |
Travelers | $209/mo |
Plymouth Rock | $241/mo |
 Midvale Home & Auto | $326/mo |
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:
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:
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.
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:
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.
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.
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 |
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 |
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 |
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 |
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 |
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.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
