Cheapest Auto Insurance in New York (2025)

The average cost of car insurance in New York is $314 per month, which exceeds the national average of $151. Your location affects how much you pay for coverage. Drivers in densely populated areas, like Manhattan and Brooklyn, pay expensive premiums due to increased risks of car accidents and vehicle theft.

Additionally, New York faces severe winter storms, which may explain why drivers see such high rates throughout the state. Comparing quotes from multiple companies can help you find affordable coverage.

Here’s what you need to know about finding cheap car insurance in New York.

3 of the cheapest car insurance companies in New York

The best car insurance options don’t necessarily come with the lowest rates available for you. When it comes time to buy a car insurance policy, you need to consider more than just price. It’s always a good idea to consider other factors, like the company’s reputation regarding customer experience, customer service, and financial stability.

You also want to choose an auto insurance company that can offer you the right type and amount of coverage. Here are a few of the best options for New York drivers.

CSAA

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User Reviews	4.5 676 reviews
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.	$89/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.	$151/mo

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Driver Reviews

4.5

Best choiceBased on 2,134 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 (676)

Michael

June 30, 2025

Verified Review

Pricey and So-So Coverage

Average coverage, expensively priced.

Gary

June 23, 2025

Verified Review

Quality Insurance That's Affordable

Shop rates annually to keep insurance companies honest.

Courtney

June 17, 2025

Verified Review

Looking in the rear view mirror at AAA

From a cost analysis alone, I would never recommend AAA to a friend. I am looking for new insurance. There are no senior citizen benefits, the monthly cost is impossible and keeps going up.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.28

A.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

Due to the high cost of living in New York, drivers in the state may need to find ways to save money on insurance coverage. CSAA offers the cheapest average rates in New York and offers home insurance in addition to car insurance. But you have to be a member of AAA to sign up for a policy.

Pros

• AM Best financial strength rating of A (Excellent) 

• Extensive AAA membership perks

Cons

• Must be a member of AAA

• Coverages and discounts vary by AAA partner

Safeco

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User Reviews	4.4 490 reviews
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.	8.1 /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.	$196/mo

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Driver Reviews

4.4

Best choiceBased on 873 verified guest reviews and ratings

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Reviews (490)

Donald

June 26, 2025

Verified Review

DC insurance

Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.

Ray

June 18, 2025

Verified Review

Heads Up

Watch for the rising rates after a year.

Jerri

June 6, 2025

Verified Review

SAFECO Ins. - Not for Me

WARNING - Stick with whatever payment plan you begin with. I used to pay in full for each six-month policy. Last month I was short, so I paid 72% of my six-month premium on the 6th and tried to pay the balance on the 28th. (Premium for the six months was due on May 1.) They refused the payment and canceled my policy. I had been with them since 2021. No loyalty - no reinstatement, they just sent me a refund less one month! BEWARE - they would not negotiate at all, no renewal. Then they showed I had no insurance and the rate skyrocketed everywhere because when they checked me out online, it said I currently had no insurance!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.72

A.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

If you want to get rewarded for safe driving, Safeco is worth considering. You’ll receive a 10% discount automatically when you sign up for its RightTrack program. You’ll download Safeco’s mobile app and drive for 90 days. The company says you could save up to 30% on your policy with RightTrack.

Safeco also offers accident forgiveness coverage and a diminishing deductible that decreases for up to five years or until you reach a maximum of $500.

Pros

• Option to bundle home and auto insurance

• Backed by Liberty Mutual

Cons

• Some negative Better Business bureau (BBB) reviews

• Above-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)

Progressive

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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.	$223/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.	$437/mo

Show Details

Driver Reviews

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 (6,912)

Johnny

June 30, 2025

Verified Review

Seriously

Great rates but service needs improving.

Kimberly

June 28, 2025

Verified Review

Happy with Progressive

Progressive has been there for me in times of need and is therefore very dependable.

Don

June 28, 2025

Verified Review

Monthly payments are too expensive for a senior person. Geico has a much lower payment plan, which is why I'm switching. I called to see if they could match Geico before I switched, but they couldn't. Geico is $213 a month compared to $350—that's a no-brainer! 👍

Monthly payments are too expensive for a senior person. Geico has a much lower payment plan, which is why I'm switching. I called to see if they could match Geico before I switched, but they couldn't. Geico is $213 a month compared to $350—that's a no-brainer! 👍

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

621

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

A.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

To help save money on car insurance, you can always ask about potential discounts. Progressive is an excellent example of an auto insurer that charges affordable rates and offers many discounts, including multi-policy, safe driving, and good student discounts.

Pros

• Many potential discounts

• AM Best financial strength rating of A+ (Superior)

Cons

• Some negative BBB reviews

• No anti-theft device discount

How to get the cheapest car insurance in New York

The following tips can help you earn cheaper car insurance premiums in New York:

• Buy a cheaper car. Opt for a budget-friendly vehicle to avoid overspending on both the car itself and its insurance. Non-luxury cars tend to have lower service and repair costs, which leads to cheaper insurance claims and more affordable policy rates.

• Ask for discounts. Don’t forget about potential discounts when talking to insurance agents. Many companies offer discounts for completing defensive driving courses, opting for paperless communication, bundling insurance products, maintaining good academic records, or having multiple drivers in the family.

• Compare a few quotes. Taking the time to research and compare quotes from different auto insurance companies can help you find the cheapest options. By doing so, you can identify the policy that aligns with your financial plan and coverage requirements, ensuring you get the best value for your money.

Low-cost car insurance in New York

New York doesn’t have a low-income insurance program to help drivers find an affordable car insurance plan. The state does offer an assigned risk plan, which can place you with an insurance company if you can’t find coverage in the voluntary market. But, this plan typically translates to higher car insurance costs, as insurers consider drivers in this group a higher risk to insure.

If you live in New York and are looking for cheap, affordable car insurance coverage, compare car insurance quotes from three to five car insurance companies every six months. This allows you to always find the cheapest deal available.

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Liability coverage in New York starts at $89 per month

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Cheapest liability-only car insurance quotes in New York: CSAA

In New York, having liability car insurance is a legal requirement. This policy type offers coverage for the other driver’s injuries and property damage in accidents you cause. But it doesn’t cover your vehicle repairs or medical expenses.^[2] Liability-only coverage makes the most sense for people who drive old or inexpensive vehicles.

On average, a liability-only policy in New York costs $286 per month. For more average monthly quotes from New York car insurance companies, check out the following table.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
CSAA	$89
Liberty Mutual	$113
Progressive	$223
Erie	$250
USAA	$260
GEICO	$260
Travelers	$304
State Farm	$356
Allstate	$375
Nationwide	$380
Bristol West	$444

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in New York: CSAA

Liability-only and full-coverage car insurance policies provide different levels of protection. A full-coverage policy covers not only others but also your own vehicle after theft, accidents, and more. If you own a new or expensive car, you should consider full coverage.

Your lender will likely require you to have full-coverage insurance if you finance or lease your car. On average, full-coverage insurance in New York costs $342 per month.

Below, you can compare average monthly full-coverage quotes from New York insurance companies.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
CSAA	$151
Safeco	$196
Erie	$260
GEICO	$264
USAA	$271
Liberty Mutual	$294
Travelers	$316
State Farm	$371
Allstate	$389
Nationwide	$395
Progressive	$437
Bristol West	$542

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in New York

If you fail to meet the minimum coverage requirements mandated by New York law, the Department of Motor Vehicles (DMV) can suspend your driver’s license and vehicle registration. Here are the specific insurance requirements in the state:^[3]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person ($50,000 for death of one person) / $50,000 per accident ($100,000 for death of two or more people)
Property damage liability	$10,000 per accident
Personal injury protection	$50,000 per accident
Uninsured motorist coverage	Equal to amounts of liability coverage

While it’s mandatory to meet the minimum coverage requirements set by the state, you should also consider purchasing additional auto insurance coverages. Common options include the following:

• 

  Comprehensive coverage

  Comprehensive coverage pays for damages from non-collision events, like fire, vandalism, theft, falling objects, and natural disasters.

• 

  Gap coverage

  If you finance or lease your vehicle, you should consider buying gap insurance. It covers the difference between your auto loan balance and the insurance payout if someone steals your vehicle or you total your car.

• 

  Collision coverage

  Collision coverage pays for damages incurred in collisions, regardless of fault. It applies to accidents involving other vehicles or objects.

• 

  Glass protection coverage

  Glass coverage pays for damages to your windshield and other glass parts of the vehicle. Some policies even offer a deductible-free option for this coverage type.

Cheapest car insurance companies in New York by driving record

In addition to your age, insurance companies consider your driving record when determining rates. Drivers with clean records pay the cheapest rates. Drivers with an incident on their record — such as an at-fault accident, speeding ticket, or DUI — have higher rates.

Insurers view drivers with an incident on their record as more likely to have a repeat offense and file a claim.

In New York, drivers with clean records pay an average of $286 per month for liability coverage, and drivers with an incident pay an average of $358 per month.

The table below shows how rates fluctuate by incident.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Speeding Ticket	Avg. Quote With At-Fault Accident	Avg. Quote With DUI/DWI
CSAA	$106	$127	$137
Liberty Mutual	$137	$155	$174
Progressive	$263	$308	$344
GEICO	$296	$372	$419
USAA	$306	$351	$401
Erie	$307	$337	$385
Travelers	$362	$413	$468
State Farm	$414	$476	$548
Allstate	$440	$505	$578
Nationwide	$451	$516	$585
Bristol West	$530	$601	$684

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance rates across New York cities

New York is a large state, and car insurance rates vary widely depending on where you live. Living in an area with high traffic, high vehicle crime rates, and more extreme weather increases your risk of filing a claim, which in turn increases your car insurance premiums. The table below shows the average car insurance quotes for drivers in New York, based on where they live.

New York car insurance FAQs