Cheapest Full-Coverage Car Insurance in New York (2026)
New York drivers can find the cheapest full-coverage car insurance from Erie, with rates starting at $116 per month.
Secure. Free. Easy-to-use.
4.7 / 515K reviews
)
Written byAmy Beardsley
)
Amy BeardsleyFreelance Insurance and Real Estate Writer
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
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
){kind=small}
){kind=small}
)
Reviewed byJohn Leach
)
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
New York drivers pay a monthly average of $243 for full-coverage insurance.
The average cost of full coverage in New York is much higher than the U.S. average of $186 per month.
Drivers in New York state face higher premiums due to its no-fault insurance laws, severe weather risks, and high population density — especially in New York City.
Cheapest full-coverage car insurance in New York
Full coverage in New York costs an average of $243 per month. More expensive than state-minimum coverage, it’s not exactly pocket change when you’re already shelling out for Thruway tolls and parking permits.
Erie is the cheapest auto insurer for full-coverage insurance in New York, on average.
To simplify your search for the cheapest New York car insurance, we’ve rounded up the most affordable full-coverage options across the state for young drivers and experienced motorists.
Below, you can compare average car insurance quotes from the cheapest New York auto insurers.
The below national rates are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Insurance Company  | Average Monthly Quote: Full Coverage |
|---|---|
| Erie | $116 |
| USAA | $121 |
| Travelers | $142 |
| State Farm | $165 |
| Allstate | $174 |
| Nationwide | $176 |
| GEICO | $183 |
| CSAA | $222 |
| Chubb | $322 |
| Progressive | $351 |
| Bristol West | $440 |
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.
How much is full-coverage insurance in New York?
On average, New York drivers pay $243 per month for full-coverage insurance. The national average cost of full coverage is much lower, at $186 per month.
Drivers in the state face expensive car insurance premiums for several reasons. New York is a no-fault state that requires drivers to purchase a minimum amount of personal injury protection (PIP), in addition to the state’s liability insurance requirements. The state also experiences severe weather events, including hurricanes, tropical storms, extreme winters, and flooding risks.
New York City’s high premiums, driven by its high population density, traffic congestion, and tourism, also raise the state’s overall full-coverage premiums.
Find Cheap Full Coverage in New York
Full-coverage auto insurance rates start at $116/mo.
Excellent
4.7 out of 5 based on 15,238 reviews
Secure. Free. Easy-to-use.
How to find cheap full-coverage car insurance in New York
Finding affordable New York car insurance requires a little smart shopping. The following tips can help you lock in a better deal when you want to go beyond minimum coverage:
Raise your deductible. Bumping your deductible from $500 to $1,000 is one way to lower your premium, but be sure you can afford to pay the higher amount if you need to file a claim.
Bundle up. Buying your renters or homeowners insurance from the same company as your auto policy may qualify you for a multi-policy discount, called “bundling.”
Shop around. Loyalty doesn’t always pay in insurance. Every insurer weighs your driving history, credit history, and even ZIP code differently, leading to different car insurance rates.
Take a defensive driving course. Complete a New York-approved accident prevention course (online or in person) to get a car insurance discount on your insurance policy’s liability, collision, and personal injury protection (PIP) coverage for three years. Insurers value drivers who prioritize safe driving habits.
What full-coverage car insurance covers
Full coverage isn’t an insurance package you can click and buy. It’s an informal name for a bundle of coverages that protects you and your vehicle. The following components make up that “full-coverage” bundle:
Liability coverage
This is the minimum coverage New York law requires. Liability insurance covers two main things if you’re at fault in an accident: bodily injury, which pays for the other driver’s hospital bills, and property damage, which pays to repair or replace property you damage.
Collision coverage
An optional coverage, collision insurance pays to repair your motor vehicle after an accident, regardless of who’s at fault.
Comprehensive coverage
This helps pay to repair your car after damage from anything other than a collision, such as fire, hail, a broken windshield, or hitting wildlife. Comprehensive insurance also covers your car if someone steals it.
Before hitting the road in New York, check with your insurance company to ensure your insurance policy has at least state-minimum coverage:[1]
$50,000 in personal injury protection (PIP): PIP is “no-fault” coverage that pays your medical expenses and those of your passengers and any pedestrians you might have injured.
$25,000 per person ($50,000 per accident) in bodily injury liability: Covers the other driver’s injuries and those of their passengers.
$10,000 in property damage liability: Pays for property you damage in a collision, like another person’s car or a fence.
$25,000 per person ($50,000 per accident) in uninsured motorist coverage: Provides medical coverage for you and your passengers if you’re involved in a hit-and-run accident or hit by a driver without insurance.
While these minimum coverage requirements meet state laws, New York state’s Department of Financial Services recommends buying higher coverage amounts. Medical expenses can pile up fast, and minimum liability limits may cover only a fraction of the actual costs. If you cause an accident that results in serious injuries or damages a high-value vehicle, you could be personally responsible for costs that exceed your liability coverage limits.
Minimum vs. full-coverage car insurance in New York
As a no-fault state, New York requires drivers to maintain PIP coverage, which isn’t typical in at-fault states. If you have an accident-related injury, your own insurer will cover your medical bills up to $50,000, regardless of who caused the accident. That said, buying a full-coverage policy still provides more protection than buying New York’s minimum coverage.
Unless you have an old or low-value vehicle, you should consider buying full coverage to protect your vehicle more fully. Without a full-coverage policy, you’ll be on the hook to pay for your vehicle damage following an accident, vandalism, theft, or severe weather.
You can see how minimum coverage and full coverage compare in New York in the table below.
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in New York | $153 | $243 |
| Covers damage to your own car | No | Yes |
| Covers damage to other car | Yes | Yes |
| Covers your medical expenses | Yes | Yes |
| Covers medical expenses for the other driver | Yes | Yes |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Cheap Car Insurance in New York
Insurify partners with 120+ top auto insurers for real quotes
Excellent
4.7 out of 5 based on 15,238 reviews
Secure. Free. Easy-to-use.
Is full-coverage car insurance worth it in New York?
Picture this: You’re driving through the Catskills when a deer jumps in front of your vehicle. With only a minimum-coverage New York car insurance policy, you’d pay for your car’s repairs out of pocket. With full coverage, you’d pay your deductible, and your insurance would handle the rest. The extra protection can be the difference between a minor inconvenience and a major financial setback.
Pros and cons of having full-coverage car insurance in New York
Pros
Pays to repair your car after an accident, regardless of fault
Protects you against theft, weather damage, and other non-crash incidents
Minimizes your out-of-pocket costs if you need to file a claim
Cons
Higher monthly premiums than for state-minimum coverage
May not be cost-effective for older or low-value vehicles
Must pay a deductible before insurance pays for your repairs
Full-coverage car insurance in New York FAQs
New York insurance coverage can be confusing, so here’s a quick guide to common questions about full-coverage protection.
What is the cheapest full-coverage insurance in New York?
Erie is the cheapest insurer for full coverage in New York, with an average monthly premium of $116. USAA and Travelers also have affordable rates for New York drivers on average. That said, you should always compare quotes from at least a few insurers to find the best car insurance company for you.
Should you get minimum or full-coverage car insurance in New York?
It depends, but most New York drivers should consider buying a full-coverage policy. If you have a new vehicle or you can’t afford to pay out of pocket to repair or replace it, you should buy full coverage. Lenders also typically require you to maintain full coverage if you have an auto loan or lease.
Alternatively, minimum coverage may provide enough coverage if the cost of adding collision and comprehensive insurance exceeds what it would cost to repair or replace your vehicle.
What is the minimum auto insurance coverage in New York?
New York requires drivers to carry $25,000 per person and $50,000 per accident in bodily injury liability, $10,000 in property damage liability, and $50,000 in PIP. New York drivers also need to maintain $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage.
Is the required liability insurance in New York enough?
No. Most New York drivers should purchase more insurance than the state’s minimum requirements. Without a full-coverage policy, you risk expensive out-of-pocket repairs if damage occurs to your vehicle. That said, drivers with an old or low-value vehicle may not need coverage beyond the state’s requirements. A liability-only policy is the cheapest car insurance policy in the Empire State.
Sources
- New York State Department of Financial Services. "How much auto insurance must I carry?."
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.
)
Amy BeardsleyFreelance Insurance and Real Estate Writer
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
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
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in