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

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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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.

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.

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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.

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.

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.

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.

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.

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.

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.

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.

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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.

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