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Best Car Insurance Companies in New York 2022: Quotes, Discounts
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4.8out of 3,000+ reviews
Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka
Last Updated April 5, 2022
Two of the most important aspects of your car insurance coverage are location and company. In New York, it’s challenging to find the best car insurance company because drivers have access to so many options.
When searching for the best car insurance company in New York, you want to make sure that you look at the factors that matter the most to you as an individual, such as your driving record and your preferred customer treatment.
You may be tempted to check with just one or two companies before buying a policy. But you might not get the best deal. How can you check dozens of companies without sacrificing an entire afternoon?
Fortunately, we’re here to help. When you use Insurify to shop and compare auto insurance rates, you can discover big brands and lesser-known companies to find the best coverage for you.
Let's take a look at the best car insurance companies in New York in 2022.
See More: Best Car Insurance Companies
Rank | Company Name | Average Cost Per Month in New York | Insurify Composite Score |
---|---|---|---|
1 | Nationwide | $386 | 89 |
2 | Safeco | $300 | 86 |
3 | Liberty Mutual | $455 | 82 |
4 | Travelers | $200 | 80 |
5 | TSC Direct | $138 | Not Rated |
6 | Kemper | $150 | Not Rated |
7 | Plymouth Rock | $221 | Not Rated |
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
In New York, Nationwide, Safeco, Liberty Mutual, and Travelers all reliably pay claims, have high customer ratings, and offer good rates to drivers. Keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.
Insurers like Allstate, GEICO, Progressive, and USAA often top the list for best car insurance. Our studies revealed Nationwide, Safeco, and Liberty Mutual as New York's best car insurance companies.
However, be sure to check out other brands like TSC Direct and Kemper if you are price-sensitive.
See More: Full-Coverage Car Insurance
See More: Bundle Home & Auto Insurance
Nationwide is one of the largest insurers in the U.S. and is known as a reliable, quality insurance brand. Customers consistently praise Nationwide for excellent customer service and fast claims-handling satisfaction.
The provider sells many types of insurance, including homeowners, renters, life, umbrella, and more. So you can shop all your insurance needs in one place, which is another factor Nationwide's customers appreciate.
Nationwide offers discounts for:
Although Nationwide doesn’t always have the lowest car insurance prices in New York, drivers still flock to the insurer because of its excellent reputation. Nationwide's car insurance rates can range from $285 to $636 per month.
Driver Category | Average Monthly Cost |
---|---|
Drivers Under 25 | $636 |
Drivers Over 60 | $285 |
Safe Drivers (No Prior Violations) | $352 |
Drivers With a Prior Accident | $487 |
Drivers With a Prior Speeding Ticket | $566 |
Drivers With Average Credit | $433 |
Like Nationwide, Safeco is an insurance provider that has a loyal customer base. The top factors that policyholders praise are the company’s customer service and claims handling process.
Safeco is a Liberty Mutual subsidiary and sells home insurance, auto, motorcycle, boat, and watercraft liability insurance. It’s also a good choice for younger drivers needing reputable insurance and people who have safe driving habits.
Safeco provides discounts for:
Car insurance rates with Safeco range from $214 to $488 per month, depending on factors like driving experience and driving history.
Driver Category | Average Monthly Cost |
---|---|
Drivers Under 25 | $488 |
Drivers Over 60 | $214 |
Safe Drivers (No Prior Violations) | $289 |
Drivers With a Prior Accident | $341 |
Drivers With a Prior Speeding Ticket | $388 |
Drivers With Average Credit | $329 |
Liberty Mutual is another significant insurer in the U.S. It carries various products like car insurance, home, renters, life, pet, and business policies for New Yorkers.
Teachers can also buy a specific auto insurance policy from Liberty Mutual that covers vandalism, stolen teaching materials or school property, and collisions if driving your personal vehicle for school business.
Liberty Mutual offers many opportunities for discounts, including:
Car insurance costs at Liberty Mutual range between $259 and $770 per month, depending on the driver's age, driving record, credit score, and other variables.
Driver Category | Average Monthly Cost |
---|---|
Drivers Under 25 | $770 |
Drivers Over 60 | $259 |
Safe Drivers (No Prior Violations) | $458 |
Drivers With a Prior Accident | $450 |
Drivers With a Prior Speeding Ticket | $421 |
Drivers With Average Credit | $498 |
The Travelers insurance brand is 100 years old and best known for auto, homeowners, renters, boat, travel, wedding, and umbrella insurance policies. It has a good reputation for claims and very competitive car insurance rates in New York state.
Policyholders may qualify for Travelers insurance discounts, including:
Travelers car insurance has some of the best rates between $167 and $258 per month, depending on factors like your driving experience, driving history, driving safety, and credit history.
Driver Category | Average Monthly Cost |
---|---|
Drivers Under 25 | $258 |
Drivers Over 60 | $167 |
Safe Drivers (No Prior Violations) | $192 |
Drivers With a Prior Accident | $212 |
Drivers With a Prior Speeding Ticket | $250 |
Drivers With Average Credit | $220 |
TSC Direct (Tri-State Consumer Insurance Company) was founded in 1986. It provides car insurance for New York drivers in the boroughs and Nassau and Suffolk counties. You can also get homeowners insurance in those areas, as well as in Westchester and Orange counties.
Top discounts that the company offers include:
TSC Direct has affordable car insurance premiums, starting at $131 to $189 per month. Young drivers and drivers with past accidents and speeding tickets will find reasonable car insurance prices with TSC Direct.
Driver Category | Average Monthly Cost |
---|---|
Drivers Under 25 | $189 |
Drivers Over 60 | $131 |
Safe Drivers (No Prior Violations) | $134 |
Drivers With a Prior Accident | $153 |
Drivers With a Prior Speeding Ticket | $153 |
Drivers With Average Credit | $161 |
Kemper sells car, homeowners, life, and supplemental health insurance in most states, including New York. The company offers excellent rates for good drivers but is an especially good option for high-risk drivers with poor credit or a history of accidents or speeding tickets.
Kemper offers various discounts:
Kemper’s car insurance prices are feasible, starting at $122 per month up to $191 per month.
Driver Category | Average Monthly Cost |
---|---|
Drivers Under 25 | $191 |
Drivers Over 60 | $122 |
Safe Drivers (No Prior Violations) | $145 |
Drivers With a Prior Accident | $169 |
Drivers With a Prior Speeding Ticket | $181 |
Drivers With Average Credit | $161 |
Plymouth Rock is a regional auto insurance provider operating in six states: New York, New Jersey, Massachusetts, New Hampshire, Connecticut, and Pennsylvania. As a smaller insurer, it offers more benefits and protections that larger ones may not, like mobile claims service and one-time cab fare coverage.
Plymouth Rock car insurance offers discounts for:
Plymouth Rock offers excellent protection for a great value starting at $140 per month to $346 per month, depending on the driver's age and driving history.
Driver Category | Average Monthly Cost |
---|---|
Drivers Under 25 | $346 |
Drivers Over 60 | $140 |
Safe Drivers (No Prior Violations) | $232 |
Drivers With a Prior Accident | $196 |
Drivers With a Prior Speeding Ticket | $216 |
Drivers With Average Credit | $221 |
Average rates can vary across the state. New York drivers generally pay more when living in more populated areas like New York City's boroughs.
For example, Rochester, Schenectady, and Syracuse have the lowest car insurance prices in the state, at $201, $214, and $222 per month.
On the other hand, Brooklyn and Far Rockaway have the highest prices in the state: $490, $500, and $524 per month.
City | Average Monthly Cost |
---|---|
Albany | $281 |
Brooklyn | $540 |
Far Rockaway | $586 |
New York City | $397 |
Rochester | $233 |
Schenectady | $236 |
Syracuse | $262 |
See More: Compare Car Insurance
See More: Car Insurance Quotes
The best car insurance company in New York depends on your unique needs. While one company may offer cheap rates, if there aren’t policies for your car or location, it might not be worth it.
Rates are only part of the picture. You also want a company with excellent customer service and a quick and seamless claims-handling process. That way, you can get back on the road as quickly as possible after an accident.
Shopping for New York auto insurance can be frustrating, but Insurify has your back.
Insurify is a car insurance marketplace that helps you compare multiple insurers and prices simultaneously. Compare car insurance quotes side by side and purchase the best policy for your needs right there.
See More: Car Insurance for Bad Driving Records
The best auto insurance company in New York depends on your unique situation. If you have a teen driver, are 55+, have speeding tickets, or have a clean driving history, you can get vastly different rates from New York car insurance companies. Your best bet is to shop around to find the best one for you.
That’s a tricky question. Average premiums can vary, and the cheapest auto insurance company in New York depends on many factors. Plus, what you think of as cheap will be different from what another person thinks is cheap. The best way to find cheap car insurance is to shop around. Some companies charge less because they offer lower-quality service—make sure you’re looking at companies that offer quality service, as well.
New York has state minimum coverage guidelines for bodily injury and personal injury protection to use as a starting point when shopping for car insurance. However, many New Yorkers buy full coverage with higher liability coverage limits, including collision coverage and comprehensive coverage. Full coverage can help protect your assets like your home and savings if you are sued due to a car accident. Plus, collision and comprehensive can help pay to repair or replace your car after a covered loss.
We get it—there are a lot of auto insurance companies out there, each with its own coverage options and price points. When it comes time to get an auto insurance quote, where do you start? Insurify's radically fast car insurance platform searches dozens of car insurance providers to help you find the best cheap car insurance. Enter a few pieces of personal information about yourself and your car, and let Insurify do the rest.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.