Best Cheap Auto Insurance in New York City (2024)

Drivers in New York City pay 24% more for car insurance than the statewide average.

Janet Berry-Johnson
Janet Berry-Johnson
  • 8+ years writing about insurance, taxes, and personal finance

  • Certified public accountant

Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 April 17, 2024

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Whether you’re a longtime resident or just moved to the Big Apple, buying car insurance in New York City can involve some sticker shock. As one of the world’s most heavily populated cities, its risk of car accidents is high. Insurers recognize this and charge higher premiums to account for the increased risk.

The average monthly cost of car insurance in New York City is $503 — significantly higher than the national average of $139. Travelers, Safeco, and Nationwide offer some of the lowest average monthly premiums in the city, although the best insurance company for you will vary depending on the type of car you drive and other factors.

Quick Facts
  • Drivers in New York City pay $551 per month for full coverage and $508 per month for liability-only coverage.

  • You must show proof of car insurance with at least the state-mandated minimum liability limits to register a vehicle in New York.

  • New York State law allows insurance companies to consider your credit score when setting your car insurance premium.

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Best car insurance companies in New York City

Safeco, Travelers, and Nationwide are some of the best insurance companies in New York City, and each provides unique benefits. Travelers is one of the cheapest insurers, Safeco offers perks for new-car owners, and Nationwide is great for bundling discounts. However, the best insurer for you may not be on this list. Always compare quotes from multiple companies before buying a policy.

Best insurer for cheap rates: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$394/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.
$558/mo

Travelers offers a variety of insurance products for drivers and businesses throughout most states in the U.S. and Washington, D.C.

Pros
  • Coverage available for frequent drivers who don’t own a car

  • Several discounts available for teen drivers, including for maintaining good grades and completing a driver training course

Cons
  • No rideshare coverage in NYC

  • Bundling discount is only 10%

Read our Travelers review
Willard - April 13, 2024
Verified

No

Too expensive.

Jeffrey - March 23, 2024
Verified

Excellent

Fast.

Lisa - March 14, 2024
Verified

Long-time customer with a slight rate reduction

The premium is too much for what I need.

Best insurer for discounts: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$336/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.
$464/mo

Safeco is part of Liberty Mutual, one of the largest insurance companies in the U.S. It offers various discounts and coverages for drivers of all types.

Pros
  • Mobile app makes it easy to pay bills, manage claims, download ID cards, and more

  • New-vehicle replacement coverage available for new low-mileage cars

Cons
  • Must purchase a policy through a local agent

  • Fewer discounts than other companies

Read our Safeco review
Gary - April 13, 2024
Verified

Excellent

A very good auto insurance company.

Tammy - April 8, 2024
Verified

Bad

The underwriter is incompetent. Your staff didn't renew my policy and sent a rude letter stating that I have debris or algae on my roof.

Carol - April 6, 2024
Verified

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

Best insurer for multiple vehicles: Nationwide

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
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.
$85/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.
$186/mo

Nationwide is a mutual insurance company, meaning it’s entirely owned by policyholders. This allows it to focus on customers without having to cater to investors.

Pros
  • Coverage for motorcycles, snowmobiles, ATVs, classic cars, RVs, boats, golf carts, and more

  • Usage-based insurance available

Cons
  • Car insurance not available in Alaska, Hawaii, Louisiana, or Massachusetts

  • Above-average number of customer complaints, according to the National Association of Insurance Commissioners (NAIC) complaint index

Read our Nationwide review
Antoinette - April 8, 2024
Verified

Nationwide is not on your side

My rate doubled for no apparent reason. I have no tickets and no accidents.

Janet - March 30, 2024
Verified

Expensive Insurance Company

They are very expensive and not helpful. They don't offer storage insurance and there are no discounts.

Jeri - March 30, 2024
Verified

Don't Choose Nationwide

I have been with this company for 30 years, always paying on time, with no tickets or accidents, and very low mileage. However, this time my rates went up by $500 without a reasonable explanation. Age discrimination was implied.
Top 10 Cheapest Car Insurance Companies for April 2024

Top 10 Cheapest Car Insurance Companies for April 2024

Cheapest liability-only car insurance in New York City

Liability-only car insurance is a kind of policy that only covers damages or injuries that you cause to other people in an accident. It doesn’t cover damages to your own car or personal injuries in case of an accident.[1]

The table below outlines the best options for drivers in New York City seeking the most affordable liability-only coverage.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
CSAA304
Safeco336
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 in New York City

Full-coverage auto insurance includes liability insurance and also covers damage to your own vehicle and injuries you and your passengers sustain through collision and comprehensive coverage.

The table below shows the insurance companies offering the cheapest full-coverage auto insurance in New York City.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
CSAA436
Safeco464
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.

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Car insurance requirements in New York

You must show proof of car insurance to register a vehicle in New York State and maintain that coverage to prevent your registration from being suspended.[2]

The table below shows the minimum coverage levels required by law in the Empire State:

CoverageMinimum Requirements
Bodily injury liability
  • $25,000 for bodily injury/$50,000 for death for one person involved in an accident
  • $50,000 for bodily injury/$100,000 for death of two or more people involved in an accident
Property damage liability
  • $10,000 per accident

You may want to consider increasing your coverage beyond the minimum limits required by the state and adding one or more of the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage reimburses you for damage to your own vehicle due to a collision with another vehicle or object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance reimburses you for theft or damage to your car due to events other than a collision, such as theft, vandalism, or hail.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    This coverage provides reimbursement for medical expenses for injuries to you or your passengers involved in an accident.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    These coverages protect you if a driver hits you without enough insurance to cover your bodily injury or property damage.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    This pays the difference between the fair market value of your vehicle and what you owe on your auto loan if it’s stolen or totaled in an accident.[3]

Cheapest car insurance for New York City drivers with an incident

In car insurance, an incident is an event that can affect the cost of your car insurance, such as a speeding ticket, driving under the influence (DUI), at-fault accident, or other moving violations. Insurance companies tend to increase your rates if you have an incident on your driving record because they indicate that you’re a more risky driver.

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Cheapest car insurance for drivers with a speeding ticket

Even one speeding ticket can increase your car insurance rates. Still, several companies in New York offer competitive rates for drivers with a speeding ticket on their record. The following table lists a few insurance companies and their average monthly quotes for drivers who have received a speeding ticket.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
CSAA515359
Safeco577418
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 car insurance for drivers with an at-fault accident

Finding affordable car insurance after an at-fault accident can be difficult, but it’s not impossible. While many insurers will increase your rates, some still offer accident forgiveness and affordable rates. The table below shows the cheapest car insurance companies for New York drivers who have been involved in an accident.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
CSAA546381
Safeco603437
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 car insurance for drivers with a DUI

Finding affordable car insurance after a DUI is especially challenging because many insurance companies refuse to insure drivers who have been convicted of a DUI. And those that do offer coverage typically charge you higher rates.

You may also need to get an SR-22 certificate. This is a form from your insurance company proving you have the minimum required insurance coverage.[4]

The table below shows the cheapest car insurance for New York City drivers with DUIs on their driving records.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
CSAA626437
Safeco666483
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.
How Long Does a DUI Stay On Your Record?

How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors in New York City

Experienced drivers tend to be safer on the road, so insurance companies often decrease rates for drivers once they reach age 35. However, they tend to increase rates again around age 75.

Drivers 70 and older are involved in more fatal crashes per mile traveled than middle-aged drivers, according to the Insurance Institute for Highway Safety (IIHS). Insurance companies increase rates to account for the added risk.[5]

The following table lists the companies with the lowest average monthly car insurance premiums for senior drivers in New York City.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Safeco332241
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 car insurance for teens in New York City

Auto insurance rates for teen drivers are typically much higher than those for adults. Young drivers have little driving experience and are prone to taking more risks, putting them at a higher risk of being involved in an accident.

Some ways to save on the cost of coverage include staying on your parents’ insurance policy and taking advantage of discounts, such as those for being a good student and taking a defensive driving course.[6]

The table below shows companies offering the lowest monthly prices on auto insurance for teen drivers in New York City.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
CSAA740516
Safeco835605
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.
The 10 Best and Worst Car Insurance Comparison Sites for 2024

The 10 Best and Worst Car Insurance Comparison Sites for 2024

How to get the cheapest car insurance in New York City

Car insurance companies base their rates on several factors, including your age, the year, make, and model of your vehicle, your credit score, and your location.

You might have little control over some of these factors, but the following strategies can help you keep your auto insurance costs low:

  • Select a higher deductible. Opting for a higher deductible for your comprehensive and collision coverage means you agree to pay more out of pocket when you have a claim, but it’ll decrease your premium.

  • Bundle insurance policies. Many insurance companies offer discounts for policyholders who buy two or more policies. You may qualify for a discount if you bundle your auto policy with a homeowners or renters policy, life insurance, umbrella, or other policies.

  • Take advantage of other discounts. Many auto insurance companies offer discounts to drivers who install anti-theft devices or maintain good credit or a clean driving record. Ask your agent about any available discounts you’re eligible for.

  • Compare quotes. Rates vary from company to company, so shopping your policy with several different insurance companies is a good way to find the best rate.

Find Car Insurance in New York City

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New York City car insurance quotes by credit tier

New York State allows insurers to consider your credit score when underwriting auto insurance policies. Credit scores can significantly affect car insurance rates, as insurance companies use them to evaluate risk. Drivers with excellent or good credit scores generally pay lower rates than drivers with poor credit.[7]

The chart below shows the average New York City car insurance premiums by credit tier to help you better understand how your credit score could affect your rate.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in New York City?

Car insurance is more expensive in New York City than the national average and many other cities in New York State. Part of the reason for the higher rates is due to the population density in the city. Areas with higher populations tend to have more cars on the road, meaning drivers are more likely to be involved in an accident. 

Urban areas also tend to be more expensive for car insurance because they have higher crime rates. Insurance companies increase rates in places where your car is more likely to be vandalized or stolen.

More cities in New York

The table below shows the average monthly rates for full-coverage car insurance in other cities in New York and how they compare to New York City.

CityAverage Monthly QuoteCompared to New York City
Albany$257-53%
Bronx$60610%
Brooklyn$62313%
Buffalo$390-29%
Jamaica$5581%
Rochester$303-45%
Schenectady$294-47%
Staten Island$523-5%
Syracuse$331-40%
Yonkers$471-14%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

New York City car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in New York City.

  • How much is car insurance in New York City?

    Car insurance in New York City costs $530 per month, on average. Drivers pay an average of $551 per month for full-coverage car insurance and $508 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.

  • What are the best car insurance companies in New York City?

    With an Insurify Quality (IQ) Score of 4.2 out of 5 and an AM Best financial strength rating of A+ (Excellent), Travelers is the best car insurance company in New York City. Of the insurers Insurify has rate data for, other top New York City insurers include Safeco and Nationwide.

  • How much does car insurance cost in NYC for a new driver?

    Car insurance for new drivers is expensive anywhere, especially for teens and drivers younger than 25. In New York City, drivers younger than 25 pay an average of $619 per month for car insurance.

  • Is car insurance cheaper in New Jersey or New York?

    Car insurance is much cheaper in New Jersey than in New York. New Jersey drivers pay an average of $272 per month for car insurance, while New York drivers pay an average of $530 per month.

  • Why is auto insurance so high in NYC?

    The cost of auto insurance is so high in New York City for various reasons, including its population density, crime rate, and traffic. It’s a very busy city, with so many people traveling in and around it each day, so the likelihood of getting into an accident is much higher than in smaller cities and suburban areas. Insurers recognize this and charge higher rates to account for that risk.

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  2. New York State Department of Motor Vehicles. "New York State Insurance Requirements."
  3. Insurance Information Institute. "What is auto insurance?."
  4. Kelley Blue Book. "SR-22 Insurance: What is it and How Does it Work?."
  5. Insurance Institute for Highway Safety. "Older drivers."
  6. Insurance Information Institute. "Auto insurance for teen drivers."
  7. New York State Department of Financial Services. "Applying for Auto Insurance."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

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