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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Take a look at some of New York’s most common discounts in the table below.
Discount Type  | Maximum Advertised Savings |
|---|---|
| AARP membership | 10% |
| Accident-free/clean driving record | 22% |
| Anti-theft | 25% |
| College student/student away at school | Varies |
| Continuous insurance | 5% |
| Combat Auto Theft (CAT) Program | Varies |
| Commercial driver’s license | Varies |
| Driver training/point and insurance reduction Program | 10% |
| Electronic funds transfer/automatic payment | 11% |
| Electronic tracking device/telematics | 30% |
| Factory installed anti-lock brakes | 7% |
| Factory installed daytime running lamps | 3% |
| Good student | 15% |
| Group/association | 15% |
| Homeownership | 10% |
| Low mileage/reduced usage | 20% |
| Loyalty/renewal | 11% |
| Military/deployed driver | 25% |
| Multi-car | 25% |
| Multi-policy discount/bundle | 30% |
| New car | 25% |
| Online quotes | 7% |
| Paid in full | 13% |
| Paperless/e-documents | 10% |
| Passive restraints (automatic seat belts or air bags) | 30% |
| Payment plan | Varies |
| Senior citizen/retired | 5% |
| Window glass etching | 15% |
Liability quotes in New York start at 70/mo.
New York drivers pay some of the highest car insurance rates in the country. But you can reduce the amount you need to pay by taking advantage of discounts. Erie, USAA, and State Farm stand out by offering a combination of low average rates and discounts for New York policyholders.
| 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. | $70/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 |
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 |
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.
Erie offers some of the lowest average rates in New York, according to Insurify data. The company doesn’t disclose exact discount percentages, but it offers a few unique programs for New York drivers to take advantage of to help you save money on car insurance. This includes multiple new driver discounts, multi-policy discounts, and usage discounts.
Several discounts to help families with teens and college-aged drivers save money
Reduced-usage discount when you store your vehicle for 90 consecutive days or more
First Accident Forgiveness applies to any accident, not just at-fault ones, in New York
The YourTurn safe driving rewards program isn’t available in New York
ERIE Rate Lock availability and terms vary by state
Coverage available only through local independent agents
| 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. | $73/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. | $125/mo |
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 |
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.
New York state has the seventh-largest veteran population in the country, and USAA is one of the most affordable insurers for New York’s military community. The company offers several car insurance discounts to help eligible customers save money. Options include bundling, legacy discounts, and a couple of driving programs.
Bundle discount saves up to 10% when you add home or renters insurance
Legacy discount offers up to 10% off for former dependents of USAA policyholders
Telematics program can lower premiums by up to 30% at renewal
Discount for garaging a car on base while serving overseas isn’t available in New York
Membership restricted to active or former military and eligible family members
Limited local agent support
| User Reviews | 4.0 |
|---|---|
| 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. | 9.3 /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. | $99/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. | $172/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
In New York, drivers younger than 25 make up 13% of the population. State Farm’s telematics program and good student discount make it a good choice for New York families with newer or student drivers. State Farm also has plenty of vehicle-based discounts and good-driving discounts.
Extensive local agent support
Drive Safe & Save telematics discount of up to 30% available in New York
Steer Clear driver training discount available up to age 25
Drive Safe & Safe discount may be higher in other states
Must work with a local agent
Discount availability varies by state, so all listed discounts might not apply
Discounts vary from company to company and state to state. One company might offer a large safe-driver discount, while another leads in multi-policy savings. The discounts available to you depend on your driving habits, household, the car you drive, and other factors.
The table below shows some of the largest discounts available to New York drivers, along with eligibility requirements and insurers.
Discount Type | Potential Savings | Eligibility Criteria | New York Insurer With Largest Discount |
|---|---|---|---|
| Electronic tracking/telematics | 30% | Allow insurance company to collect driving data via your phone, an installed device, or built-in technology | State Farm |
| Multi-line/bundle | 30% | Purchase more than one policy from the same company | Amica |
| Passive restraint | 30% | Have automatic seatbelts or airbags in your vehicle | New York Central Mutual (NYCM) |
| Anti-theft | 25% | Have a car alarm, active disabling device, window etching, or vehicle recovery system on your vehicle | NYCM |
| Deployed driver | 25% | Deployed overseas due to military service or occupational requirements | GEICO |
| Multi-car | 25% | Insure more than one car with the same company | GEICO and Amica |
Some of the biggest savings opportunities in the Empire State involve telematics, bundling home and auto policies, and driving a vehicle with a passive restraint system. These discounts are available from State Farm, Amica, and NYCM, respectively.
Several auto insurance discounts require more than meeting a basic threshold. You don’t need any special circumstances or extensive documentation.
The table below explains several car insurance discounts you may qualify for with little or no effort.
Discount | Potential Savings | How to Qualify |
|---|---|---|
| Multi-vehicle | 25% | Insure two or more vehicles on the same policy or with the same company |
| Paperless billing | Varies | Sign up for paperless billing or electronic document delivery |
| Auto pay | 11% | Set up automatic payments from your checking or savings account |
| Anti-theft device | 25% | Have a factory-installed or approved device on your vehicle |
| Continuous insurance | 5% | Maintain your insurance for a certain period of time |
Full-coverage quotes in New York start at $121/mo.
A few discounts are unique to New York, including:
NYC Combat Auto Theft (CAT) Program: The New York Police Department (NYPD) created this program to prevent vehicle theft. If you generally don’t drive between 1 a.m. and 5 a.m., contact the local police precinct to get a decal for your vehicle. You agree you can be pulled over without cause if police officers see your vehicle on the streets between those hours. Not all insurance companies participate in this program, so call your agent to confirm it offers a discount before enrolling.[1]
Point and Insurance Reduction Program (PIRP): The New York State Department of Motor Vehicles administers PIRP to educate New York drivers on safe driving practices. You could qualify for a discount of up to 10% off your car insurance by completing an approved driver safety course.[2]
Window glass etching: The NYPD will etch your vehicle identification number (VIN) on your vehicle to deter theft. You may qualify for a discount of up to 15% by participating in this program.
New York’s high insurance rates make it worthwhile to be strategic about getting every car insurance discount available to you. Here are a few tips to maximize your savings:
Stack the PIRP discount with other discounts. Completing a DMV-approved defensive driving course reduces your base insurance rate by 10% for three years. This can stack with other discounts you qualify for.
Bundle home and auto. New York City and its suburbs have high homeowners and renters costs. Combining home and renters insurance can lower premiums on both.[3]
Ask about the CAT program if you’re in NYC. The VIN Etching and CAT programs are free to join, and your insurance company may offer a discount. Call your insurance company to see if they participate, since they don’t widely advertise them.
Your insurance company may automatically apply some discounts when you get a quote, based on the type of car you drive and other factors. But some discounts require effort on your part. Here’s how you ensure you don’t miss any valuable discounts:
Get a quote and review applied discounts. When you request a quote, insurance companies will automatically apply discounts they can verify up front, such as multi-vehicle or bundling discounts.
Ask about discounts that require verification. Your insurance company may not automatically apply some discounts, like the good student or driver training discounts. You need to provide proof, such as a transcript or a course completion certificate.
Submit your PIRP certificate right away. If you provide your certificate to your insurance company or agent within 90 days, your premium reduction applies retroactively to the date you completed the course.
Enroll in any telematics programs separately. Telematics programs typically require you to download an app and opt in. They don’t apply automatically.
Review your policy at each renewal. Life changes, like adding a student driver, moving, or buying a home, can unlock new discounts. Make a habit of asking your insurance company what’s newly available every time your insurance policy renews.
Insurify partners with 120+ top insurers for real-time quotes
New York is one of the most expensive states in the country for car insurance. The average cost of full coverage in New York was $3,019 at the end of 2025, well above the national average of $2,144, according to a recent Insurify report. Currently, New York drivers pay an average of $252 per month for full coverage.
Full coverage in New York is more expensive than in some nearby states like Pennsylvania ($1,920 per year), Vermont ($1,815), and Massachusetts ($1,708).
Insurify predicts average New York car insurance rates to rise modestly by 0.7%, reaching $3,041 by the end of 2026.
Some factors driving those high costs include the state’s no-fault insurance laws, healthcare costs that are well above the national average, harsh winter weather, and high rates of motor vehicle theft.
The table below shows the average rates for liability-only and full-coverage car insurance from several companies in New York.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Erie | $70 | $121 |
| USAA | $73 | $125 |
| Travelers | $85 | $147 |
| State Farm | $99 | $172 |
| Allstate | $105 | $180 |
| Nationwide | $106 | $183 |
| GEICO | $109 | $190 |
| Chubb | $194 | $334 |
| Progressive | $200 | $371 |
| Bristol West | $277 | $449 |
New York drivers pay some of the highest car insurance costs in the country, but it’s still possible to find discounts to lower your insurance premiums. Here are answers to some common questions about discounts and rates in New York.
The average cost of full-coverage car insurance in New York is $252 per month. For liability insurance, New Yorkers pay an average of $153 per month.
Erie, USAA, and Travelers have the lowest average rates for full-coverage car insurance. But the cheapest insurer for you depends on your driving history, coverage, and deductible. Comparing quotes from multiple companies is the best way to find affordable coverage.
New York drivers may qualify for discounts for safe driving, bundling policies, completing an accident prevention course, and insuring multiple vehicles. New York-specific discounts include the CAT and PIRP programs and window glass etching.
Completing a DMV-approved PIRP defensive driving course is a good way to lower your premium, and the 10% discount applies for three years. You can stack it with other discounts, like enrolling in a telematics program or bundling, to reduce your rates.
)
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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