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Your coverage needs and budget influence what car insurance company works best for you. The average monthly cost of insurance in New York is $457, but your age, driving history, and location can influence your car insurance premiums. New York drivers pay much higher rates than the national average of $212 per month, but you can find ways to get affordable premiums.
Here’s what you need to know about finding the best auto insurance in New York.
Quick Facts
New Yorkers pay $447 per month on average for liability-only car insurance.
New York auto insurers can consider your credit history when determining rates.
Comparing quotes helps you identify the lowest available rates.
Best car insurance companies in New York
You have several options when selecting a car insurance company in New York. To narrow down your options, you can compare company features, benefits, and drawbacks based on the type of coverage you want.
Some of the top car insurance companies in New York offer specific coverage that benefits some driver categories more than others. You can find an insurer for you — whether you want it catered to commuters, college students, seniors, or another category of drivers.
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Insurance Company
Best For
Average Monthly Quote: Liability Only
Insurify Quality 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.
Erie
Overall
$395
4.4
Safeco
Low rates
$216
3.8
Travelers
Affordability
$163
4.3
Nationwide
Commuters
N/A
4.1
Midvale Home & Auto
Families
$287
N/A
Liberty Mutual
College students
$414
3.8
Allstate
Luxury car owners
$591
4.1
State Farm
Rideshare drivers
$563
4.4
Progressive
Seniors
$363
4.1
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.
Erie has been providing car insurance in New York since 1995 and earned a high Insurify Quality Score of 4.4 out of 5. Erie gives New York drivers an opportunity to earn discounts for safety, anti-theft devices, lump-sum payments, and being a college student. The company also offers payment plans with different savings options, first accident forgiveness, and a rate lock feature that helps you manage your premiums over time. On average, New York drivers pay $395 per month for liability and $331 for full coverage with Erie.
Pros
Highest Insurify Quality Score on this list
Several available discounts for drivers
Rate lock feature
Cons
Some discounts and features are only available in certain states
Most claims can’t be filed online
Life multi-policy discount unavailable in New York
New York drivers often pay expensive premiums, but Safeco offers an affordable option, with liability-only coverage starting at $216 per month and $288 for full coverage. Optional coverages from Safeco include collision, new-vehicle replacement, and rental car reimbursement.
Safeco also earned an Insurify Quality Score of 3.8 out of 5 and offers customers features like first accident forgiveness, a diminishing deductible, and claims-free cash back. With claims-free cash back, Safeco will mail you a check for 2.5% of your policy premium (up to 5% each year) if you don’t file any claims over a six-month review period.
Pros
Several coverage options
Claims-free cash back
Accident forgiveness
Cons
Diminishing deductible only available with certain coverage endorsements
Can’t finish a quote online
Must contact a local agent to get coverage
Most affordable car insurance in New York: Travelers
Travelers offers several affordable car insurance coverage options in New York, including accident forgiveness and other endorsements. With accident forgiveness, you can avoid a premium increase after your first at-fault car accident with your policy.
The company also earned a high Insurify Quality Score of 4.3 out of 5 and offers new-car replacement coverage as an add-on option. On average, Travelers policyholders pay $163 per month for liability and $198 for full coverage.
Pros
Bundling discounts
Accident forgiveness
Get a quote online
Cons
Earned an average customer satisfaction rating from J.D. Power[1]
High number of complaints on the company’s Better Business Bureau profile
Higher costs for drivers with a ticket on their record
Nationwide has been around for more than 90 years and earned an Insurify Quality Score of 4.1 out of 5. The Nationwide SmartRide program rewards safe drivers with a 10% discount upon enrollment and savings of up to 40% overall. This program can help commuters who spend a lot of time in the car and practice safe driving habits save money.
Nationwide also offers optional coverages like accident forgiveness, roadside assistance, and gap coverage. For full-coverage car insurance from Nationwide, drivers pay an average of $312 per month.
Coverage from Midvale Home & Auto can meet your family’s basic auto and home insurance needs while providing useful additional coverage options and savings opportunities. Customers can save on premiums by bundling auto and homeowners insurance, and the company rewards drivers for insuring multiple vehicles.
Midvale Home & Auto also offers a good student discount and an away at school discount for young drivers attending school at least 100 miles away from their insured vehicle. On average, customers pay $287 per month for liability and $345 for full coverage with Midvale Home & Auto.
Liberty Mutualoffers customizable auto insurance plans based on your needs. This company is a great option for college students. Students with a B- or higher average GPA can earn a good student discount. The company also offers a student away at college discount for those who leave their cars at home.
Liberty Mutual has an Insurify Quality Score of 3.8 out of 5. On average, drivers pay $414 per month for liability and $463 for full coverage.
Pros
Customizable insurance plans
Good student discount
Student away at school discount
Cons
Higher full-coverage rates than some insurers
Additional deductible required for collision coverage
Mixed reviews on customer service and certain app features
Allstate rewards safe drivers with discounts for driving safely and for insuring a brand-new car. The company also provides umbrella insurance, which can be helpful for luxury car drivers with expensive vehicle repair costs. On average, Allstate drivers pay $591 per month for liability and $495 for full coverage in New York.
Pros
14 advertised discounts
Numerous available coverage options
Offers three different roadside insurance options
Cons
Above-average number of customer complaints from the NAIC complaint index
More expensive premiums than some other insurers
Below-average customer satisfaction rating from J.D. Power
With one of the highest Insurify Quality Scores on this list (4.4 out of 5), State Farm provides a quality coverage option for New York drivers — especially for people who drive for a transportation network company, like Uber and Lyft.
State Farm allows you to add rideshare coverage as an extension of your personal car insurance policy. You’ll receive the same coverage levels for your chosen insurance, including liability, collision, comprehensive, and medical payments coverage. On average, State Farm policyholders in New York pay $563 per month for liability and $472 for full coverage.
Pros
Offers rideshare insurance
Below-average number of customer complaints with the NAIC complaint index
Multiple savings options
Cons
No gap insurance coverage
No accident forgiveness coverage
Only drivers younger than 25 can qualify for the Safe Driver program
Progressive is a great option for seniors due its features like the Name Your Price tool, diminishing deductible discount, and accident forgiveness coverage. Progressive earned a solid Insurify Quality Score of 4.1 out of 5. The company has flexible customer service hours and a good industry reputation. On average, Progressive drivers in New York pay $363 per month for liability and $471 for full coverage.
Pros
Wide selection of coverage options
More than 35,000 insurance agents
Below-average number of customer complaints with the NAIC complaint index
Cons
Some company discounts aren’t available in New York
No policy discounts for safety equipment
Below-average customer satisfaction ranking from J.D. Power in New York
How Insurify’s experts used internal proprietary data to rate the top auto insurers
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for New York drivers.
How to shop for the best car insurance in New York
You need to consider different factors when shopping for the best car insurance in New York. After making note of the state’s car insurance requirements, think about the following:
Your desired coverage amount: Determine how much coverage you need — whether it’s liability, collision, uninsured motorist, or comprehensive coverage. Even if you start with liability-only coverage, you should compare what optional coverages insurers offer, including benefits like accident forgiveness and roadside assistance.
Rates and other features: Using an insurance quote-comparison site or gathering quotes from at least three different insurers can help you find the best rates for your coverage needs.
Reviews and customer satisfaction: Look at credible customer satisfaction ratings, including the Insurify Quality Score and J.D. Power customer satisfaction ratings, as well as complaints filed with the Better Business Bureau and the National Association of Insurance Commissioners.
Available communication methods: How do you wish to communicate with the insurer? Consider your communication expectations regarding whether you want to have your own agent or communicate with customer service.
Claims-filing process: Make sure you can file claims easily by phone or online. You also may want to confirm whether the insurance company allows you to check the status of your claim online.[2]
How to get the cheapest car insurance in New York
Finding the cheapest car insurance in New York will depend on your city, age, and driving history, but here are some ways you can work on lowering costs:[3]
Ask your insurer about discounts. Most insurers offer multi-policy, safe driver, and multi-vehicle discounts. Make sure your insurer rewards you for all the discounts you qualify for.
Keep a clean driving record. Avoiding tickets and other driving violations for three to five years helps you earn the most affordable premiums.
Equip your car with safety and anti-theft features. If your car doesn’t have these features when you buy it, install them to benefit from cheaper premiums. Insurers reward drivers for driving safe vehicles.
Shop around and gather quotes. Comparing quotes from at least three insurance companies is the best way to find the most affordable premiums.
Increase your deductible. “Drivers can increase their deductible, which may lower the monthly premium, but they need to be prepared to pay more out of pocket if they do have a claim,” says P.J. Miller, vice president and independent insurance agent withWallace & Turner Insurance.
Minimum car insurance requirements in New York
All motor vehicles operating in New York must meet minimum insurance coverage requirements.[4] New York is a no-fault state, which means that both parties’ insurance companies will pay for medical expenses in the event of an accident. New York drivers need to carry the following coverage:
Liability-only vs. full-coverage insurance in New York
Liability-only coverage can make sense if you drive an older car and can afford to pay for repairs out of pocket. You may decide on liability-only coverage if you want to save money.
If you want more coverage because you have a new or expensive car, you should consider full-coverage auto insurance, which usually costs more because it includes liability, comprehensive, and collision coverages. Your lender may require you to carry full-coverage insurance if you finance or lease your car.
Comprehensive coverage protects your vehicle against natural disasters, falling objects, fires, theft, riots, civil unrest, and more. You can add collision insurance to help pay for damage to your car due to any type of collision — usually up to the actual cash value of your vehicle.[5]
Travelers, Safeco, Nationwide, and Erie all offer prices below the New York average for both liability and full-coverage insurance.
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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New York car insurance rates by driving and accident history
Driving history significantly affects car insurance rates. Drivers with a clean record earn lower car insurance rates because insurers view tickets and other violations as a driving risk.
You can still lock in reasonable rates despite infractions on your driving record, but you’ll face increased premiums if you have an infraction. Quotes for drivers with an accident start at $283 per month.
Insurance Company
Average Monthly Quote
Average Monthly Quote
Average Monthly Quote
Average Monthly Quote
Travelers
$198
$283
$394
$265
Safeco
$288
$411
$572
$385
Nationwide
$312
$446
$621
$418
Erie
$331
$473
$658
$443
Midvale Home & Auto
$345
$493
$686
$462
USAA
$345
$493
$686
$462
Liberty Mutual
$463
$662
$921
$620
Progressive
$471
$673
$936
$630
State Farm
$472
$675
$939
$632
Allstate
$495
$708
$985
$664
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.
SR-22 insurance in New York
An SR-22 form filed by your insurance company with the state’s department of motor vehicles (DMV) verifies that you have sufficient insurance. Some states require SR-22 filing for drivers caught operating a vehicle without insurance or committing a serious violation like a DUI.
Unlike many states, New York doesn’t require you to file an SR-22 form to reinstate your driver’s license after a serious violation. However, you still need to meet the minimum auto insurance requirements to continue driving legally.
New York car insurance quotes by credit tier
New York, like many states, allows insurers to factor in your credit score when calculating car insurance rates. Yourcredit score shows how well you manage your finances and whether you pay bills on time. Insurance companies use your credit score to determine your insurance score, which helps predict the likelihood of you filing a claim.[6]
A credit score higher than 720 is considered an excellent score. You’ll typically earn lower rates with a good credit history than with poor credit.
A lower credit score doesn’t always cause expensive insurance premiums because insurers consider many other factors when determining your rate. Still, you can prioritize improving your credit score to earn cheaper rates.
Car insurance quotes in New York cities
Car insurance rates can vary by city within New York, depending on factors like crime frequency, claims filing, population density, accident rates, and more. If you live in an area with increased traffic, like New York City, you may pay more expensive premiums.
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.
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.
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New York car insurance rates by driver age
Your age can also affect car insurance rates. Insurance companies find that drivers younger than 25 tend to have more accidents than older drivers, so they account for the added risk by charging higher rates.
While prices start out high for teens and young drivers, rates start to decrease once you reach your late 20s and 30s.
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
If you determine your current insurer provides the cheapest premiums for your coverage needs, you’ll need to renew your policy. But if your current plan doesn’t satisfy your coverage needs, you likely have questions about finding adequate coverage. Here’s some additional information that can help.
Who has the cheapest car insurance in New York?
Travelers has the cheapest car insurance in New York, with rates starting at $163 per month for liability and $198 for full coverage. Other affordable insurance companies in New York include Safeco, Nationwide, and Erie. On average, car insurance in New York costs $457 per month, which significantly exceeds the national average of $212 per month.
What is the required car insurance coverage in New York?
New York’s minimum car insurance requirements include liability coverage of at least $25,000 per person and $50,000 per accident in bodily injury and $10,000 in property damage per accident. New York drivers must also carry at least $50,000 in personal injury protection (PIP).
What are the best car insurance companies in New York?
Erie is the best insurance company in New York because of affordable average monthly rates of $395 for liability and $331 for full coverage, an Insurify Quality Score of 4.4 out of 5, and an A+ rating from A.M. Best.
Other top insurance companies in New York include Travelers and Safeco. Both companies offer cheap rates and several coverage options.
How does credit score affect car insurance premiums in New York?
Your credit information helps determine your insurance score — a statistical tool car insurance companies use to predict the likelihood of you filing a car insurance claim. If you have a good credit score of 690 or higher, you should see lower car insurance rates.
Is New York a no-fault state?
New York is a no-fault state, which means that both parties’ insurance companies will pay for expenses in the event of an accident.[7]
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 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
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.