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Best Car Insurance Companies in New York 2022: Quotes, Discounts

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Amy Beardsley

By: Amy Beardsley

Edited by Jackie Cohen | Reviewed by licensed insurance agent, Amber Benka

Last Updated April 5, 2022

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Quick Facts

  • Insurify’s best-rated insurance provider in New York is Nationwide.
  • TSC Direct is the cheapest insurer on average in New York, with average rates of $138 per month.
  • The best-rated car insurance provider might not be the best for every unique driver profile, so it’s important for drivers to compare quotes from multiple insurers before buying a policy.

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.

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See More: Best and Worst Sites to Compare Car Insurance

Best Car Insurance Companies 2022

RankCompany NameAverage Cost Per Month in New YorkInsurify Composite Score
1Nationwide$38689
2Safeco$30086
3Liberty Mutual$45582
4Travelers$20080
5TSC Direct$138Not Rated
6Kemper$150Not Rated
7Plymouth Rock$221Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Insurify Composite Score Methodology

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.

Top Car Insurance Companies: Find the Right One for You

What is the best car insurance company in New York?

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

1
Nationwide logo

Nationwide

Average monthly cost:
$386
Insurify Composite Score:
89

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:

  • Multi-policy
  • Telematics
  • Safe driver
  • Accident-free
  • Good student
  • Defensive driving course
  • Anti-theft device
  • Automatic payment
  • Organization (alumni, employers, professional and sports groups)

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 CategoryAverage 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
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
2
Safeco logo

Safeco

Average monthly cost:
$300
Insurify Composite Score:
86

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:

  • Multi-policy/bundling
  • Multi-car
  • Safe driver
  • Accident prevention course
  • Enrolling young drivers in Teen Safety Rewards program
  • Anti-lock brakes
  • Installing an anti-theft device in the vehicle
  • Low annual mileage
  • Homeowner

Car insurance rates with Safeco range from $214 to $488 per month, depending on factors like driving experience and driving history.

Driver CategoryAverage 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
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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:

  • Homeowner
  • Reserve, active, or reserve member of the U.S. armed services
  • Good student grades
  • Driving an electric or hybrid car
  • Safety devices like anti-theft devices, anti-lock brakes, and adaptive headlights
  • Clean driving record
  • Multiple cars
  • Multi-policy/bundling
  • Paying the entire insurance premium upfront
  • Opting for e-documents
  • Affiliation with specific alumni, employers, or professional groups
  • New customer

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 CategoryAverage 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
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
4
Travelers logo

Travelers

Average monthly cost:
$200
Insurify Composite Score:
80

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:

  • Multi-policy
  • Multi-car
  • New car
  • Homeowner
  • Safe driver
  • E-payment
  • No gaps in coverage
  • Driving a hybrid or electric car
  • Good student grades
  • Student at college without a car
  • Driver training
  • Affiliation with specific alumni, employers, or professional groups

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 CategoryAverage 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
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
5
TSC Direct logo

TSC Direct

Average monthly cost:
$138
Insurify Composite Score:
N/A

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:

  • Airbags
  • Multi-car
  • Good student
  • Anti-theft devices
  • Daytime running lights

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 CategoryAverage 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
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
6
Kemper logo

Kemper

Average monthly cost:
$150
Insurify Composite Score:
N/A

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:

  • Safe driving
  • Multi-car
  • Multi-policy/bundling
  • Paying policy in full upfront
  • Airbags, anti-theft devices, or automatic seat belt equipment
  • E-documents
  • Good student
  • Leaving the car at home while in college
  • Defensive driving course
  • Referring customers who buy policies
  • Married or civil union drivers
  • Continuous coverage
  • Age 55+

Kemper’s car insurance prices are feasible, starting at $122 per month up to $191 per month.

Driver CategoryAverage 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
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.
7
Plymouth Rock logo

Plymouth Rock

Average monthly cost:
$221
Insurify Composite Score:
N/A

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:

  • Multi-policy
  • Multi-car
  • Anti-theft alarms, anti-lock brakes, automatic seat belts, and airbags equipped
  • New driver under 19
  • Safe driver
  • Good student
  • Leave the car at home while at college
  • Driver improvement or course
  • No claims for five years

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 CategoryAverage 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
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Average Monthly Cost of Car Insurance in New York

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.

CityAverage Monthly Cost
Albany$281
Brooklyn$540
Far Rockaway$586
New York City$397
Rochester$233
Schenectady$236
Syracuse$262
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

How to Determine the Best Car Insurance Company for Yourself

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

Frequently Asked Questions

  • 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.

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Methodology

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.

Amy Beardsley
Amy Beardsley
Linkedin

Content Writer at Insurify

Amy is a content marketing writer who specializes in personal finance and technology. With a background in the legal field, she has a talent for transforming complex topics into content that’s easy to understand. When she’s not writing, she enjoys reading and playing board games with her family. You can learn more at amybeardsley.com.

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