Cheapest Auto Insurance in New York (2025)
CSAA offers the cheapest liability-only quotes in the state, at $101 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Data reviewed byKonstantin Halachev
)
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.
Updated
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Table of contents
The average cost of car insurance in New York is $392 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.
Quick Facts
CSAA, Liberty Mutual, and Progressive offer the cheapest average car insurance quotes in New York.
New York drivers pay $339 per month for liability coverage and $445 for full-coverage insurance, on average.
Because New York is a no-fault state, drivers involved in a car accident will need to file a claim with their respective insurers to cover medical expenses for an accident-related injury.[1]
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
| User Reviews | 4.5 |
|---|---|
| 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. | 7.6 /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. | $101/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. | $168/mo |
4.5
Best choiceBased on 1,764 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 (510)
Laurie
March 5, 2025
Verified Review
Disappointed Customer of 30+ Years
They raised my rates and auto-billed without ever informing me.
Debra
March 5, 2025
Verified Review
Disappointed Long-Term AAA Member and Former Employee
I would not recommend AAA in this state for auto repair, insurance, or any other service, except for towing, which was decent.
Cheryl
March 5, 2025
Verified Review
Not Satisfied with Claims
Check to see if they charge you for non-chargeable accidents if you have another accident that was not your fault. This could happen if the other person lied when they hit you.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.75A.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).
AWhy 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
| User Reviews | 4.5 |
|---|---|
| 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. | 8.3 /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. | $183/mo |
4.5
Best choiceBased on 792 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 (444)
Greta
March 4, 2025
Verified Review
Senior Citizen Car Insurance
Talk to different people about car insurance. Check out which companies can meet your insurance needs. Consider factors like an affordable price, senior-specific needs, and less mileage driven per month.
Charles
March 3, 2025
Verified Review
Windshield Replacement Claim
It was easy to file a claim and the response to the claim was quick.
Eric
March 1, 2025
Verified Review
Personal Opinion
Safeco is good, but too expensive for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.08A.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).
AWhy 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
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 811 |
|---|---|
| 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. | $244/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. | $367/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.
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 (6,160)
Tonya
March 5, 2025
Verified Review
High Prices
Their prices are high.
James
March 5, 2025
Verified Review
Just Excellent!
Progressive Insurance is the fairest of all the companies I’ve dealt with.
Karen
March 5, 2025
Verified Review
Excellent
Everyone at Progressive is so friendly and helpful. I'd recommend them to everyone!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
811NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.82A.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.
Find Car Insurance in New York
Liability coverage in New York starts at $101 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $339 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: Saturday, March 1 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| CSAA | $101 |
| Liberty Mutual | $124 |
| Progressive | $244 |
| Erie | $329 |
| USAA | $342 |
| Bristol West | $450 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $445 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: Saturday, March 1 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| CSAA | $168 |
| Safeco | $183 |
| Liberty Mutual | $294 |
| Progressive | $367 |
| Erie | $495 |
| USAA | $515 |
| Bristol West | $543 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in New York
Drivers using Insurify have found quotes as cheap as $101/mo for liability only and $168/mo for full coverage in New York.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on March 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your age is one of the many factors car insurers use to determine your rates. Teen drivers pay the highest rates because they’re more likely to get into accidents, engage in high-risk driving behaviors, and submit claims.
Rates start to decrease around age 25 and continue to decrease as you age. Seniors get the cheapest premiums because of their experience. But senior drivers older than 70 may see their rates start to increase due to health-related concerns.
Age Group▲▼Average Quote: Liability Only▲▼Average Quote: Full Coverage▲▼Teen drivers $610 $801 Adult drivers $352 $462 Senior drivers $365 $479 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $339 per month for liability coverage, and drivers with an incident pay an average of $379 per month.
The table below shows how rates fluctuate by incident.
The below rates are estimated rates current as of: Saturday, March 1 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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.
Insurance Company ▲▼ | Avg. Quote With Speeding Ticket ▲▼ | Avg. Quote With At-Fault Accident ▲▼ | Avg. Quote With DUI/DWI ▲▼ |
|---|---|---|---|
| CSAA | $121 | $128 | $129 |
| Liberty Mutual | $156 | $161 | $176 |
| Progressive | $284 | $304 | $347 |
| Erie | $400 | $418 | $468 |
| USAA | $400 | $417 | $486 |
| Bristol West | $533 | $550 | $640 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.
- City▲▼Average Monthly Quote▲▼Compared to Rochester▲▼
Buffalo $324 $321 New York $547 $504 Staten Island $422 $345 Syracuse $355 $319 Yonkers $494 $429 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
New York car insurance FAQs
Before you start shopping around for car insurance, you should decide how much auto coverage you need. The following information should help you navigate the process of buying car insurance in New York.
How much is car insurance in New York?
The overall average cost of car insurance in New York is $392 per month. On average, drivers pay $445 per month for full-coverage insurance and $339 for liability coverage.
Which company has the cheapest car insurance in New York?
CSAA offers the cheapest car insurance in New York, with a rate of $101 per month for liability coverage. With a liability insurance rate of $124, Liberty Mutual is the second-cheapest car insurance company. The liability coverage rate with Progressive — the third-cheapest insurer in the state — is $244 per month.
Comparing quotes from multiple companies is the best way to find cheap coverage that meets your insurance needs.
Is New York a no-fault state?
Yes. New York is a no-fault state. This means that drivers involved in an accident must file claims with their personal insurance companies to receive coverage for accident-related injuries.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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.
Sources
- NOLO. "New York Car Accident Laws."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- New York Department of Financial Services. "Minimum Auto Insurance Requirements."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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.