Best Car Insurance in New York (2025)
CSAA, Liberty Mutual, and Progressive are some of the best car insurance companies in New York.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
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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Table of contents
Table of contents
Finding the right car insurance can be tricky, as every driver has different priorities when it comes to what they want in a policy. On average, New York drivers pay $348 per month for liability coverage and $460 for full-coverage insurance. But you can potentially find lower rates by comparing quotes and coverage options from multiple insurers.
Insurify analyzed 50 car insurance companies based on various factors to determine the best and cheapest car insurance in New York. Here’s what you should know about your New York car insurance options.
Best car insurance companies in New York
New Yorkers have plenty of good car insurance companies to choose from, but some stand out from the rest. Below, you can learn about the five best auto insurance companies available in New York. The companies below all have solid financial strength and customer satisfaction rankings, affordable average premiums, and good coverage offerings and discounts.
CSAA: Best for affordability
| User Reviews | 4.6 |
|---|---|
| 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. | 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. | $98/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. | $164/mo |
4.6
Best choiceBased on 1,999 verified guest reviews and ratings
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (636)
William
April 23, 2025
Verified Review
Great performance and challenging premium increases
AAA insurance has been very good in their delivery of insurance coverage. The issue is price. I suspect AAA insurance has a lot of coverage in California, and the losses incurred there by natural disasters are translating into above-average premium increases across all of their coverage. I'd rather not subsidize the lifestyle of folks who want to live in heavily wooded, bucolic estates which are difficult to reach.
Wayne
April 23, 2025
Verified Review
AAA Concerns: No response from agent, high premiums.
The premiums are high, and they don't answer the office phone, reply to texts, or return voicemails.
Julie
April 21, 2025
Verified Review
Opinion of AAA Insurance
They are impersonal and it's hard to get in touch with a human being!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.75A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
CSAA is the best car insurance company in New York for drivers looking to save money. The insurance company offers the cheapest average rates in the state and provides drivers with some unique membership perks.
But you’ll need to be an AAA member to qualify for coverage. AAA memberships can cost as little as $4 per month, so it could be worthwhile to qualify for auto coverage.
Pros
Affordable coverage
AM Best financial strength rating of A (Excellent)
Below-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Cons
Must be an AAA member to qualify for coverage
Fewer coverage options than some insurers
Coverage offerings vary by location
Travelers: Best for customer service
| User Reviews | 4.7 |
|---|---|
| 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. | 9 /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. | $91/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. | $190/mo |
4.7
Best choiceBased on 868 verified guest reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (454)
Diana
April 23, 2025
Verified Review
We are retired, Florida rates are extremely expensive.
For us, we are retired and do not put more than 4,000 miles on our car each year. Despite this, the insurance rates in Florida are extremely expensive for us.
Victoria
April 21, 2025
Verified Review
Cancelled Policy
I had Travelers insurance through you for one year. Despite making no claims, my policy is being cancelled. You called to offer me a different policy that is over five times higher than my previous one. It feels like a bait and switch.
Eldon
April 20, 2025
Verified Review
Rate Increase for Uncontrollable Circumstances
They provide excellent service and have friendly staff. However, if your credit rating is low and you file a claim, followed by an identity theft incident with financial losses, they do allow you to catch up but increase your rates unreasonably.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
822NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Headquartered in New York City, Travelers is the best car insurance company in the Empire State for customer service. It has fewer complaints than average on the NAIC complaint index, and it has the second-highest J.D. Power rating in New York — behind only USAA, which is only available to military families.
Pros
Second-highest J.D. Power customer satisfaction rating in New York
AM Best financial strength rating of A++ (Superior)
Below-average number of complaints filed with the NAIC
Cons
Rideshare insurance not available in New York
SR-22 insurance not available
Below-average J.D. Power claims satisfaction rating
Progressive: Best for discounts
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 811 |
|---|---|
| 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. | $233/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. | $370/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (6,716)
Chadwick
April 23, 2025
Verified Review
Mediocre service
They provided good coverage but decided to total my car rather than fix it. Now all my cars are set to be paid out instead of being repaired. It's really disappointing for the money.
Jeffrey
April 23, 2025
Verified Review
No good experience.
Every 6 months, the price goes up.
Holly
April 23, 2025
Verified Review
Looking for better rates
Their rates are outrageous. They go up every year. I have no tickets or accidents, and they are still increasing my rates.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
811NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive is the best car insurance company in New York for drivers looking to take advantage of discounts. The insurer offers 14 discounts — including bundling discounts — that drivers can potentially earn to save money on car insurance premiums. Progressive has numerous coverages and is a reliable company, making it a good option for many New York drivers.
Pros
Below-average number of complaints with the NAIC
AM Best financial strength rating of A+ (Superior)
Accident forgiveness available
Cons
Below-average J.D. Power customer satisfaction rating
Trustpilot rating of 2 out of 5
Gap insurance not available
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| 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. | 9.4 /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. | $327/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. | $519/mo |
4.9
Best choiceBased on 1,959 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,139)
Jimmie
April 23, 2025
Verified Review
Jim
Getting too expensive.
Kay
April 23, 2025
Verified Review
Experience with USAA
They were really nice but way too expensive for the product offered.
Nicholas
April 23, 2025
Verified Review
USAA Can't Be Beat
They have been great with everything in the last 10 years I have had them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
891NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is the best car insurance company in New York for military families, active military members, and veterans. It offers various special coverages and discounts for eligible drivers. It’s an excellent choice for the more than 830,000 veterans in New York and qualifying family members.[1]
Pros
Above-average J.D. Power customer satisfaction rating
AM Best financial strength rating of A++ (Superior)
Usage-based insurance available
Cons
Above-average number of complaints with the NAIC
Must be active military, veteran, or member of a military family to qualify
Limited agent availability
Liberty Mutual: Best for flexibility
| User Reviews | 3.7 |
|---|---|
| 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. | 7.7 /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. | $113/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. | $294/mo |
3.7
A solid optionBased on 2,915 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,693)
Frances
April 22, 2025
Verified Review
Time to change
Huge premium increase this year. I am switching and saving $400 on homeowners, and the monthly premium on auto went from $217.00 to $122.00 with higher liability limits.
Patricia
April 22, 2025
Verified Review
Good, but you can do better!
Good, but expensive.
Michael
April 21, 2025
Verified Review
Fair
Fair... They raised rates every year, making it way too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
798NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual is one of the best car insurance options for drivers in New York who want a flexible, customizable policy. It offers numerous specialty coverages, including car insurance for teachers, 24-hour roadside assistance, and original parts replacement coverage. But it does have a high number of customer complaints.
Pros
AM Best financial strength rating of A+ (Excellent)
Accident forgiveness available
Variety of unique coverages
Cons
Above-average number of complaints filed with the NAIC
Below-average J.D. Power customer satisfaction rating
Trustpilot rating of 1.1 out of 5
Our editorial team analyzed regional and national auto insurance companies that sell policies in New York to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in New York
Driving safely and comparing quotes are just two helpful ways you can secure quality coverage. You can utilize the following tips to find the best car insurance for your needs at an affordable price.
Keep your driving record clean
Maintaining a clean driving record is the best way to keep your car insurance rates low. Even one or two driving infractions can increase your car insurance premiums. Severe violations can even result in license suspensions, which makes finding suitable insurers more difficult in the future. Good drivers almost always pay the cheapest rates, so it pays to drive safely.
Apply for discounts
Car insurance discounts are your best friend when it comes to getting a good policy. Just about every insurance company offers various discounts, including ones for bundling policies. Consider available discounts when searching for an insurer. Even one or two discounts could make your policy more affordable.
Choose the right amount of coverage
Think about how you’ll use your car before selecting your coverage. If you don’t drive very much or have an old car not worth much, liability coverage might be sufficient. This could save you quite a bit each month. But if you drive daily in packed traffic, you should purchase full coverage.
Raise your deductible
Increasing your car insurance deductible usually lowers your monthly premium. If you can afford to pay a higher amount out of pocket in the event of a claim, it could be worth raising your deductible. Just know that you’ll be on the hook for that extra money before your insurer starts paying, so make sure you can afford it.
Compare car insurance quotes
Always compare car insurance quotes from multiple insurance companies before buying a policy. Each insurer determines premiums differently based on various driving factors like age, location, and driving history. One insurer might offer you a cheaper rate than another for the same exact policy. It pays to take the time to compare rates and companies.[2]
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Average cost of car insurance in New York
The average cost of car insurance in New York is $404 per month, compared to the national average insurance rate of $150. New York drivers pay an average of $348 per month for liability insurance and $460 for full coverage.
The average annual cost of full-coverage car insurance in New York actually decreased from December 2023 to June 2024 by about 1%. But New York is already one of the most expensive states for car insurance, so this minor decrease has little effect on the affordability of policies in the Empire State.
Best car insurance in New York FAQs
If you’re still not sure what to look for in a policy, check out this additional information about finding the best car insurance in New York.
How much is car insurance in New York?
The overall average cost of car insurance in New York is $404 per month. By coverage level, drivers pay $348 per month for liability coverage and $460 for full coverage.
What are the best car insurance companies in New York?
CSAA, Liberty Mutual, Progressive, USAA, and Travelers are the best car insurance companies in New York. Each company excels at different things, so the company that’s best for your neighbor may be different than the best insurer for you.
These companies are the best on average in New York, but every driver is unique, so it’s important to compare car insurance quotes from numerous companies before buying a policy.
What is the required auto insurance coverage amount in New York?
The required auto insurance coverage amount in New York is $25,000 in bodily injury liability per person ($50,000 for death of one person), $50,000 in bodily injury liability per accident ($100,000 for death of two or more people), $10,000 in property damage liability per accident, $50,000 in personal injury protection per accident, and uninsured motorist coverage equal to your liability coverage amounts.[3]
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Sources
- New York State Office for the Aging. "Veterans."
- Insurance Information Institute. "How to find the right auto insurance."
- New York State Department of Financial Services. "Minimum Auto Insurance Requirements Coverage."
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Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in