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 $174 per month for liability coverage and $182 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 | 4.5 |
|---|---|
| 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. | 8.5 /10 |
| 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. | $174/mo |
4.5
Best choiceBased on 2,263 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 (477)
Bill
Verified Review
Good Buy
Reviewed in Florida on October 2025
Ask about combining auto and home insurance. We experienced excellent savings.
Edward
Verified Review
Home Insurance Caveat
Reviewed in Illinois on October 2025
Wait for your home inspection before paying for the policy. Realize that wind and hail damage claims are prorated based on the age of the roof and are a percentage of the repair cost, less a deductible.
Marsha
Verified Review
All this money for WHAT?
Reviewed in Michigan on October 2025
Way too expensive. We are seniors with no at-fault accidents, yet we are paying a lot.
…
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.
1.28A.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. | 8.5 /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. | $161/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. | $170/mo |
4.7
Best choiceBased on 951 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 (485)
Mike
Verified Review
Excellent
Reviewed in Florida on October 2025
It would be nice to have a lower rate.
Cindy
Verified Review
Excellent Service
Reviewed in Washington on October 2025
Great, it just went up in price over the years.
Alan
Verified Review
Don't insure with Travelers!
Reviewed in Kansas on October 2025
Travelers increased my homeowner's premium by $1,800 over a 2-year period and doubled the deductible for wind/hail coverage, even though no claims were ever made or paid with Travelers.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
667NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.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. | 621 |
|---|---|
| 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. | 8.7 /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. | $296/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. | $452/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 (7,264)
Jacob
Verified Review
Don't Care About Anything But Money
Reviewed in Georgia on October 2025
I've never had an accident and always made payments on time for over 3 years. They constantly make mistakes and charge me for things that aren't mine, then have to refund me. I've discovered I've been paying 200% more for lesser coverage than all of my friends and family for two paid-off vehicles, with no accidents or missed payments ever. Thanks, Progressive, for not rewarding your loyal customers at all. It's something new every time I make my huge monthly payment, and you threaten cancellation.
Tina
Verified Review
BEST Prices and BEST Service
Reviewed in Maryland on October 2025
Wonderful! Good pricing!
Keith
Verified Review
Progressive Rocks!
Reviewed in North Carolina on October 2025
I'm still with them! Best prices around!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
621NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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. | 9.1 /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. | $137/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. | $146/mo |
4.9
Best choiceBased on 2,265 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 (1,263)
Joe
Verified Review
Car Insurance Rates
Reviewed in Delaware on October 2025
Overall good. However, more than once I was sent emails stating I did not pay insurance for the month. I set it up monthly. They charged me double the next month. Plus, my rate of $99 for minimum coverage went to $137. I am going to investigate this. I am not going to pay that, though most companies are higher.
Halbert
Verified Review
Good
Reviewed in Michigan on October 2025
Lowering car insurance rates!
Gary
Verified Review
Hard to beat USAA
Reviewed in West Virginia on October 2025
I have both auto and home insurance with USAA, and they are great!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
746NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 | 3.5 |
|---|---|
| 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. | $90/mo |
3.5
A solid optionBased on 3,121 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 (1,773)
Batrina
Verified Review
Liberty Mutual - Expensive
Reviewed in Mississippi on October 2025
Shop around as Liberty Mutual is expensive, even after being a customer for several years.
Janice
Verified Review
Excellent
Reviewed in Pennsylvania on October 2025
Too expensive for how little I drive. I'm retired and drive maybe 10 miles a day, 2 days a week.
Susie
Verified Review
Run from Liberty Mutual
Reviewed in Texas on October 2025
Look elsewhere; they give you high deductibles and you still pay twice as much.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.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 $178 per month, compared to the national average insurance rate of $140. New York drivers pay an average of $174 per month for liability insurance and $182 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 $178 per month. By coverage level, drivers pay $174 per month for liability coverage and $182 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