Cheapest Auto Insurance in New York (2024)

CSAA offers the cheapest liability-only rates in the state, at $141 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 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.

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Katie Powers
Edited byKatie Powers
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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.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 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.

Updated February 26, 2024 at 11:00 AM PST

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The average cost of car insurance in New York is $168 per month, which exceeds the national average of $156. 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 $152 per month for liability coverage and $183 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 CompanyIQ 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.
Full CoverageLiability OnlyBest For
Safeco3.8$218$146Cheap rates
USAA4.5$508$345Military members and families
Progressive3.9$362$246Discounts
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.

Best insurer for cheap rates: Safeco

Compare personalized, real-time quotes
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.
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.
$146/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.
$218/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)

Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.

BILLY - December 4, 2023
Verified

Quality price & service.

Emery - September 21, 2023
Verified

They are really patient over the phone, and anytime I can change something on my policy online.

Mildred - August 30, 2023
Verified
Read our Safeco review

Best insurer for military members and families: USAA

Compare personalized, real-time quotes
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.
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.
$345/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.
$508/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 have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for discounts: Progressive

Compare personalized, real-time quotes
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.
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.
$246/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.
$362/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

Help lower my cost.

Reine - December 4, 2023
Verified

Excellent customer service.

Cheryl - December 3, 2023
Verified

Best overall insurance cost with options to easily change as needed.

Jeffrey - December 3, 2023
Verified
Read our Progressive review

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 perfectly 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 $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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Monthly Quote
CSAA141
Safeco146
Liberty Mutual208
Midvale Home & Auto209
Progressive246
Erie331
USAA345
Travelers403
Bristol West406
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 opting for full coverage.

Your lender will likely require you to have full-coverage insurance if you finance or lease your car. CSAA offers the cheapest average full-coverage car insurance policy in New York. On average, full-coverage insurance in New York costs $183 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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyAverage Monthly Quote
CSAA203
Safeco218
Midvale Home & Auto280
Liberty Mutual287
Progressive362
Bristol West467
Erie488
USAA508
Travelers594
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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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]

CoverageMinimum Requirements
Bodily injury liability
  • $25,000 per person ($50,000 for death of one person) 
  • $50,000 per accident ($100,000 for death of two or more people)
Property damage liability$10,000 per accident
Personal injury protection$50,000 per accident
Uninsured motorist coverageEqual to amounts of liability coverage

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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for damages from non-collision events, like fire, vandalism, theft, falling objects, and natural disasters.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for damages incurred in collisions, regardless of fault. It applies to accidents involving other vehicles or objects.

  • illustration card https://a.storyblok.com/f/162273/100x100/3220fb55f1/broken-windshield.svg

    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 like at-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 $210 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 $180 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 $189 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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyClean RecordWith Speeding Ticket
CSAA141167
Safeco146180
Liberty Mutual208256
Progressive246292
Erie331415
USAA345391
Travelers403466
Bristol West406469
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 $189 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.

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 $223 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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyClean RecordWith DUI
CSAA141203
Safeco146210
Liberty Mutual208299
Progressive246354
Erie331421
USAA345496
Travelers403579
Bristol West406584
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 $135 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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyLiability OnlyFull Coverage
CSAA108155
Safeco123183
Liberty Mutual168231
Progressive176259
Erie248365
USAA273402
Travelers315464
Bristol West323371
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 $302 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: Monday, February 26 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Insurance CompanyLiability OnlyFull Coverage
CSAA236340
Safeco263392
Liberty Mutual355490
Progressive441649
USAA573844
Erie607895
Bristol West678780
Travelers7291,075
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

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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 $168 per month. On average, drivers pay $183 per month for full-coverage insurance and $152 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 $146, Safeco is the second-cheapest car insurance company. The liability coverage rate with Liberty Mutual — the third-cheapest insurer in the state — is $208 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 $246 per month for liability coverage and $362 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

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.

Sources

  1. NOLO. "New York Car Accident Laws." Accessed October 12, 2023
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed October 12, 2023
  3. New York Department of Financial Services. "Minimum Auto Insurance Requirements." Accessed October 12, 2023
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed October 12, 2023
  5. Insurance Information Institute. "How to save money on car insurance." Accessed October 12, 2023
  6. Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?." Accessed October 12, 2023
Jacqueline DeMarco
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.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
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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.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 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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