Best Home and Auto Insurance in New York (2026)
Progressive and Travelers are two of the best companies in New York state for bundling home and auto insurance.
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Written byTimothy Moore
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Timothy MoorePersonal Finance and Insurance Freelance Writer
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
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Average cost of home and auto insurance in New York
New York homeowners insurance premiums are typically lower than the national average cost of home insurance. New York homeowners pay an average of $1,368 per year for coverage, while the national annual average is $2,868.
New York has a lower hurricane risk than other coastal states, which helps keep rates lower. New York also has a low wildfire risk and many older brick homes, which burn more slowly than modern wooden homes.[1] [2]
But New York car insurance isn’t as affordable. On average, full-coverage car insurance in New York costs $243 per month. That’s typically well above the national monthly average of $186.
New York’s harsh winters, population density, and tourism and freight traffic all contribute to the state’s higher car insurance rates.[3] [4]
The table below shows average annual homeowners and car insurance rates in New York, according to Insurify data.
Coverage Type  | Average Annual Cost in New York |
|---|---|
| Car insurance (full coverage) | $2,919 |
| Home ($300K dwelling) | $1,368 |
Disclaimer: Table data is based on real-time New York quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Best home and auto insurance companies in New York
Progressive, Travelers, and Erie are Insurify’s top picks for the best home and auto insurance companies in New York. The companies offer good bundling discounts, low rates, and great customer satisfaction.
Insurance Company | Best For | 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. | Bundling Discount |
|---|---|---|---|
| Progressive | Discounts | 8.7 | 25%, on average |
| Travelers | Affordability | 8.5 | Up to 15% |
| Erie | Customer satisfaction | 8.4 | Up to 15% |
| Nationwide | Special coverages | 9.0 | Up to 15% |
| USAA | Military families | 9.1 | Up to 10% |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Progressive: Best for discounts
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | $208/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. | $351/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.
Based on analysis of verified reviews collected by Insurify
Best in New York for
Showing 46 reviews from New York driversSee all 8,589 Progressive reviews
Verified Review
Reviewed in New York on June 6, 2026
I've been with Progressive for about 17 years, and everything has always gone fine. I've never had a problem.
Verified Review
Reviewed in New York on June 1, 2026
The prices are only going higher.
Verified Review
Reviewed in New York on May 31, 2026
I had my first claim in sixty-five years for under $1,000. What I went through was unbelievable. I bet I spoke with five or more agents to try and settle my claim. I finally said I was getting a lawyer, and they paid me. It went on for two months. I will never use them again and am switching companies.
…
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
Progressive offers some of the best insurance discounts in New York. The company has a generous discount for bundling your homeowners and auto insurance. Progressive also offers home insurance discounts for installing safety and alarm systems and paperless billing. Drivers can get car insurance discounts for safe driving and setting up auto pay.
Pros
Many available discounts
AM Best financial strength rating of A+ (Superior)
Flexible policy building
Cons
Higher premiums than many other New York insurers
Below-average J.D. Power customer satisfaction ratings for home and auto
Above-average number of customer complaints
Travelers: Best for affordability
| User Reviews | 4.6 |
|---|---|
| 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. | $87/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. | $142/mo |
4.6
Best choice in New YorkBased on 1,547 verified driver reviews and ratings
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.3 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in New York for
Showing 10 reviews from New York driversSee all 616 Travelers reviews
Verified Review
Reviewed in New York on June 7, 2026
Mostly, I'm not happy with the agent representing Travelers, but I'm also not happy with the new prices! That's why I changed.
Verified Review
Reviewed in New York on June 7, 2026
Good but getting too expensive.
Verified Review
Reviewed in New York on May 3, 2026
Charges too much for coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
616
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
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
Travelers is the best auto insurance and home insurance company in New York for affordability. With an average monthly rate of $209 for $300,000 of dwelling coverage), Travelers is one of the cheapest home insurance companies in New York. The company also offers competitive car insurance rates. Plus, bundling your home and auto policies could save you up to 15%.
Pros
AM Best financial strength rating of A++ (Superior)
Below-average number of customer complaints
Discounts for green homes and electric cars
Cons
Rideshare insurance not available in New York
Below-average home and auto customer satisfaction ratings
High rates for teen drivers
Erie: Best for customer satisfaction
| User Reviews | 4.4 |
|---|---|
| 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. | 8.4 /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. | $71/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. | $116/mo |
4.4
Best choice in New YorkBased on 528 verified driver reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Based on analysis of verified reviews collected by Insurify
Best in New York for
Showing recent national reviewsSee all 236 Erie Insurance reviews
Verified Review
Reviewed in Pennsylvania on June 9, 2026
They have a good reputation, but they make changes to your policy that you may not be aware of unless you pay attention.
Verified Review
Reviewed in Ohio on May 25, 2026
Where I'm at is very good and satisfying. My daughter said I should check you out, so that's why I'm here. I do feel it's good to check out your options instead of going with the first company.
Verified Review
Reviewed in New York on May 18, 2026
I just don’t think they give us a break on the price when insuring three vehicles. One of them is only on the road for 6 months as it’s a collector car.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
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
Erie offers some of the best customer satisfaction in New York. Erie earned the top spot in the J.D. Power U.S. Auto Claims Satisfaction Study and ranked No. 3 for home insurance. New Yorkers who bundle through Erie can save up to 15%.
Pros
Top marks for customer satisfaction
Cheap car insurance rates in New York
Offers a variety of homeowners coverage add-ons
Cons
Recently downgraded AM Best financial strength rating
Above-average number of customer complaints
Less robust digital tools than other insurers
Nationwide: Best for special coverages
| User Reviews | 4.2 |
|---|---|
| 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 /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. | $108/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. | $176/mo |
4.2
Best choice in New YorkBased on 992 verified driver reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Based on analysis of verified reviews collected by Insurify
Best in New York for
Showing 8 reviews from New York driversSee all 518 Nationwide reviews
Verified Review
Reviewed in New York on May 21, 2026
Just your average auto insurance company.
Verified Review
Reviewed in New York on February 28, 2026
Too expensive for a great and safe driver who drives 7,000 miles per year in a 15-year-old car!
Verified Review
Reviewed in New York on February 24, 2026
Really good, prompt, courteous, and efficient.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
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
Nationwide offers some of the best specialized coverages for home and auto insurance. Homeowners can upgrade their insurance with personal belongings and roof replacement coverage. Drivers can opt for add-ons like vanishing deductible, roadside assistance, and accident forgiveness. The company also offers a bundling discount of up to 15%.
Pros
Customizable coverages
Above-average auto insurance claims satisfaction rating
Several multi-policy discount options
Cons
Higher average rates for New York drivers and homeowners
Below-average home insurance customer satisfaction rating
Above-average number of customer complaints
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. | $74/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. | $121/mo |
4.9
Best choice in New YorkBased on 3,758 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in New York for
Showing 9 reviews from New York driversSee all 1,590 USAA reviews
Verified Review
Reviewed in New York on April 20, 2026
USAA is the best overall insurance company!
Verified Review
Reviewed in New York on April 11, 2026
Easy to use.
Verified Review
Reviewed in New York on April 1, 2026
Too expensive for being a customer for over 5 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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
USAA is the best home and auto insurance company in New York for military families. The company offers affordable rates and good customer service for military members, veterans, and their families. That’s especially important in New York state, which has one of the nation’s largest veteran populations.
Pros
Low car insurance rates in New York
AM Best financial strength rating of A++ (Superior)
Excellent home and auto customer satisfaction ratings
Cons
Above-average number of customer complaints
Lower multi-policy discount than other insurers
Available only to military families and veterans
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 customers. We prioritized competitive rates, homeownership discounts or bundling options, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, and specialty or supplemental coverages.
What affects home and auto insurance rates in New York?
Several factors affect home and auto insurance rates in New York, including:
Winter weather: Snow makes roads slicker and decreases visibility throughout New York. In February 2026, New York City experienced one of its most intense blizzards, and Buffalo averages more than 91 inches of snow every winter.[5] Severe weather usually increases rates.
Low fire risk: Wildfires are less common in New York than in other parts of the country.[6] Many of New York’s homes were built roughly a century or more ago, and older brick buildings are typically more fire-resistant. That helps keep home insurance costs in New York down.
Population density: New York is home to more than 20 million people, making it the eighth-most densely populated state in the U.S. That means more drivers on the streets and an increased risk of collisions. More accidents lead to higher auto insurance costs.
Smaller home size: Your home’s size affects your home insurance costs. Larger homes are usually more expensive to insure because they cost more to rebuild.
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Is bundling home and auto insurance worth it in New York?
Bundling your home and auto insurance in New York can save you significantly. Many insurers in the state offer discounts of 10%–25% when you bundle policies. That’s especially important for car insurance because New York has some of the highest rates in the U.S.
That said, bundling your home and auto coverage keeps you with the same insurer. That means you could miss out on lower rates for separate coverage from other insurers.
If you need specialized coverage, like flood or rideshare insurance, you might find everything you need with a single insurer. Separate policies could make more sense.
Many insurers also let you bundle car and renters insurance for similar discounts.
Best home and auto insurance in NY FAQs
Below, you’ll find answers to common questions about bundling home and auto insurance in New York.
What is the best home and auto insurance in New York?
Progressive, Travelers, and Erie are some of the best home and auto insurance companies in New York. Progressive offers a variety of discounts, including savings for bundling your coverage. Erie has some of the best customer satisfaction in New York, and Travelers offers a variety of coverage options to customize your policy.
What is the cheapest home and auto insurance bundle in New York?
Erie, Travelers, and USAA offer some of the cheapest auto insurance bundles in New York. But Progressive has the biggest discount for bundling home and auto coverage. Comparing quotes from multiple companies can help you find the best price for both homeowners and auto insurance.
How can you bundle home and auto insurance in New York?
Ask your insurer if you can bundle your home and auto insurance in New York. You can also compare quotes from different companies to make sure you get the best price for your coverage. In some situations, it may be better to have separate auto and home policies with different insurers.
Sources
- Insurance Information Institute. "Wildfires By State, 2024."
- International Association of Fire Fighters. "Modern Construction."
- U.S. Census Bureau. "Highest Density."
- International Trade Administration. "Most Popular U.S. States and Cities Among International Tourists."
- National Weather Service. "Buffalo Monthly Snowfall."
- Department of Environmental Conservation. "Wildfires."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Timothy MoorePersonal Finance and Insurance Freelance Writer
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969