Cheap Auto Insurance in New York City (2025)

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 populated cities, its risk of car accidents is high. Insurers recognize this and charge higher premiums to account for the increased risk.

Car insurance in New York City averages $366 per month for full coverage and $309 for minimum coverage. That’s higher than both the New York state and national averages. The national average cost for full coverage is $193 per month and $107 per month for liability-only policies. At the state level, New York’s averages are $284 and $252, respectively.

New York state has the highest car insurance costs in the country, and New York City is one of the most expensive cities in the state for auto coverage, according to Insurify data. New Yorkers looking to save on car insurance should start by comparing multiple quotes to find the most affordable coverage available to them.

Best car insurance companies in New York City

Safeco, CSAA, and Nationwide are some of the best insurance companies in New York City, and each provides unique benefits. CSAA is one of the cheapest companies, Safeco offers perks for new-car owners, and Nationwide is great for bundling discounts.

But the best insurer for you may not be on this list. Always compare quotes from multiple companies before buying a policy.

Insurance Company	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.	Full Coverage	Liability Only	Best For
CSAA	8.5	$166	$89	Cheap rates
Safeco	8.1	$184	$162	Discounts
Nationwide	9.0	N/A	N/A	Low-mileage drivers

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 Insurify rates insurance companies

  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.

Best insurer for cheap rates: CSAA

cheap rates

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User Reviews	4.5 676 reviews
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
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.	$206/mo

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Driver Reviews

4.5

Best choiceBased on 2,136 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 (676)

Michael

June 30, 2025

Verified Review

Pricey and So-So Coverage

Average coverage, expensively priced.

Gary

June 23, 2025

Verified Review

Quality Insurance That's Affordable

Shop rates annually to keep insurance companies honest.

Courtney

June 17, 2025

Verified Review

Looking in the rear view mirror at AAA

From a cost analysis alone, I would never recommend AAA to a friend. I am looking for new insurance. There are no senior citizen benefits, the monthly cost is impossible and keeps going up.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.28

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

CSAA is a regional insurer serving New York and 15 other states. The company offers auto, homeowners, and other types of insurance to AAA members. With rates significantly lower than some competitors, CSAA may be a good option for AAA members or anyone who wants to join AAA.

Pros

• Lowest rates for New York City drivers

• A+ (Superior) financial strength rating from AM best

Cons

• Limited to AAA members

• No ratings on Trustpilot

Best insurer for discounts: Safeco

Discounts

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User Reviews	4.4 490 reviews
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.	8.1 /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.	$225/mo

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Driver Reviews

4.4

Best choiceBased on 873 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 (490)

Donald

June 26, 2025

Verified Review

DC insurance

Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.

Ray

June 18, 2025

Verified Review

Heads Up

Watch for the rising rates after a year.

Jerri

June 6, 2025

Verified Review

SAFECO Ins. - Not for Me

WARNING - Stick with whatever payment plan you begin with. I used to pay in full for each six-month policy. Last month I was short, so I paid 72% of my six-month premium on the 6th and tried to pay the balance on the 28th. (Premium for the six months was due on May 1.) They refused the payment and canceled my policy. I had been with them since 2021. No loyalty - no reinstatement, they just sent me a refund less one month! BEWARE - they would not negotiate at all, no renewal. Then they showed I had no insurance and the rate skyrocketed everywhere because when they checked me out online, it said I currently had no insurance!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

613

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.72

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

A Liberty Mutual company, Safeco is a quality insurer that sells coverage in most U.S. states, including New York. The company has some of the most affordable auto insurance in the city on average and a few unique savings opportunities, including accident forgiveness, claims-free cash back, and a diminishing deductible.

Pros

• Dozens of local insurance agents in the New York City area

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

Cons

• Above-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC) complaint index

• Must purchase a policy through a local agent

Best insurer for low-mileage drivers: Nationwide

low-mileage drivers

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User Reviews	4.3 485 reviews
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
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.	$404/mo

Show Details

Driver Reviews

4.3

Best choiceBased on 866 verified guest reviews and ratings

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

Reviews (485)

David

June 26, 2025

Verified Review

Switching to Progressive

Don't get Roadside Assistance. We were stuck 800 miles from home with a flat tire and were told they could not find anyone to assist us. Thank God there was a Les Schwab Tire Center in town.

Bettye

June 10, 2025

Verified Review

BG's Lament

They will not give you a bundle price, and are higher than other companies. You wonder if you are being given all the reductions allowed for a good driving record, living in Florida.

Nicholas

May 14, 2025

Verified Review

Poor

Nationwide is very overpriced for what they offer.

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Our Advice

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 is one of the largest auto insurers in the U.S., and it has a lower-than-average number of complaints filed with the NAIC, which indicates many customers are happy with its coverage and service. The company has more than a dozen available discounts and ample auto insurance products for New York City drivers to choose from.

Pros

• A+ (Superior) financial strength rating from AM Best

• Only a few customer complaints were filed in New York, per the NAIC

Cons

• Below-average customer satisfaction ranking in J.D. Power’s 2023 U.S. Auto Insurance Study

• More expensive premiums than some competitors in New York

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 history, and your ZIP code.

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.

Cheapest liability-only car insurance in New York City: CSAA

Liability-only car insurance is a kind of policy that only covers damages or injuries that you cause to other people in a motor vehicle accident. It doesn’t cover damages to your own car or personal injuries in case of an accident.^[2]

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

Insurance Company	Average Monthly Quote
CSAA	$152
Safeco	$194
Liberty Mutual	$226
Progressive	$283
Erie	$380
USAA	$396
Travelers	$463
Bristol West	$469

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.

Cheapest full-coverage car insurance in New York City: Safeco

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.

Insurance Company	Average Monthly Quote
Safeco	$221
CSAA	$229
Liberty Mutual	$335
Progressive	$390
Erie	$526
Bristol West	$535
USAA	$547
Travelers	$640

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.

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 suspension of your vehicle registration.^[3]

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

Coverage	Minimum 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:

• 

  Collision coverage

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

• 

  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.

• 

  Medical payments coverage

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

• 

  Uninsured/underinsured motorist coverage

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

• 

  Gap coverage

  This pays the difference between the fair market value of your vehicle and what you owe on your auto loan if you total it in an accident or someone steals it.^[4]

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 have 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 face vandalization or theft.

Cheapest car insurance for New York City drivers with an incident

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: CSAA

Even one speeding ticket can increase your car insurance rates. Speeding through congested streets is especially dangerous, and the Big Apple’s average car insurance rates for people with speeding tickets reflect this. On average, a speeding ticket pushes car insurance rates in New York to $426 per month for full coverage and $359 for minimum coverage, Insurify data shows.

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 liability-only quotes for drivers with a speeding ticket.

Insurance Company	Average Monthly Quote
CSAA	$171
Safeco	$219
Liberty Mutual	$254
Progressive	$319
Erie	$428
USAA	$446
Travelers	$521
Bristol West	$528

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.

Cheapest car insurance for drivers with an at-fault accident: CSAA

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.

New York City drivers with at-fault accidents on their driving records see average car insurance rates of $523 per month for full coverage and $442 for liability only.

The table below shows the cheapest liability insurance for New York drivers who have a past at-fault accident on their record.

Insurance Company	Average Monthly Quote
CSAA	$171
Safeco	$218
Liberty Mutual	$253
Progressive	$318
Erie	$427
USAA	$445
Travelers	$520
Bristol West	$527

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.

Cheapest car insurance for drivers with a DUI: CSAA

Finding affordable car insurance after a DUI is especially challenging because many insurance companies refuse to insure drivers who have a DUI conviction. 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.^[5]

A DUI pushes the average monthly cost of car insurance in New York City to $589 for full coverage and $497 for liability. The table below shows the cheapest car insurance for New York City drivers with DUIs on their driving records.

Insurance Company	Average Monthly Quote
CSAA	$202
Safeco	$257
Liberty Mutual	$298
Progressive	$375
Erie	$503
USAA	$524
Travelers	$613
Bristol West	$621

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.

Cheapest car insurance for seniors in New York City: CSAA

Experienced drivers tend to be safer on the road, so insurance companies often decrease rates for drivers once they reach age 35. But they tend to increase rates again around age 70.

Drivers 70 and older have 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.^[6]

The average monthly cost of car insurance for senior drivers in New York City is $358 for full coverage and $302 for minimum coverage. The following table lists the companies with the lowest average monthly car insurance premiums for senior drivers in New York City.

Insurance Company	Average Monthly Quote
CSAA	$123
Safeco	$157
Liberty Mutual	$183
Progressive	$229
Erie	$308
USAA	$321
Travelers	$375
Bristol West	$380

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.

Cheapest car insurance for teens in New York City: CSAA

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 having 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.^[7]

Teen drivers in New York face average car insurance rates of $496 per month for full coverage and $419 for liability-only policies. The table below shows companies offering the lowest monthly prices on auto insurance for teen drivers in New York City.

Insurance Company	Average Monthly Quote
CSAA	$274
Safeco	$350
Liberty Mutual	$406
Progressive	$510
Erie	$685
USAA	$713
Travelers	$834
Bristol West	$845

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.

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New York City car insurance quotes by credit tier

New York State allows insurers to consider your credit-based insurance score when underwriting auto insurance policies. Credit can significantly affect car insurance rates, as insurance companies use consumer credit information to help them evaluate risk. Drivers with excellent or good credit generally pay lower rates than drivers with poor credit.^[8]

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

New York City car insurance FAQs