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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.
Featured in
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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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
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Erie is the cheapest car insurance company in New York City.
The average cost of car insurance in New York City is $262 per month, which is higher than the state average of $202.
New York City has a higher average vehicle theft rate than many other U.S. cities.
The average cost of car insurance in New York City is $191 per month for state-minimum coverage, while the average full-coverage rate is $332 per month. Nearly 6% of drivers in New York City have a ticket or an accident on their records, while almost 3% have a driving under the influence (DUI) conviction, according to Insurify data.
New York City’s average rates are higher than New York’s state average and most nearby cities and towns, including Hoboken, New Rochelle, and White Plains. The city’s high rates are primarily due to increased risk factors, such as high population density, traffic congestion, and high insurance fraud rates.
Look at the following table to see how average car insurance costs compare in New York City and New York State.
Car Insurance Costs in New York City vs. New York State | Average Monthly Quote |
|---|---|
| New York City average | $262 |
| New York State average | $202 |
Erie is the cheapest car insurance company in New York City for liability-only car insurance, with an average monthly rate of $86.
You can find the cheapest full-coverage insurance from Erie, with an average monthly rate of $158.
Cheap liability quotes in NYC start at $86/mo.
Driving in New York City is different than just about anywhere else in the country. It’s by far the densest city in the U.S., with a population of roughly 8.5 million and high traffic congestion levels.[1]
It’s very difficult to find parking, as garages are very expensive and the city has limited street parking. If you take the route of street parking, you’ll need to frequently move your car to the alternate side of the street for sweeping.
If you plan to drive in New York City, stay alert for the thousands of pedestrians and cyclists. Turning right on red is illegal in New York City to protect pedestrians. Expect to move slowly in New York, especially in Manhattan, as the city has a grid system with traffic lights at most blocks. Many of the city’s streets are also very old and narrow, so be careful not to hit parked cars.
New York County, which covers Manhattan, had the fifth-highest vehicle theft rate among U.S. counties in 2024 and the first half of 2025, according to data from the National Insurance Crime Bureau. In 2024, the county reported nearly 15,700 vehicle thefts.
This extremely high rate of car theft pushes up car insurance rates, as insurers take on much greater risk for New York City drivers.
Binghamton has the lowest average car insurance rate in New York, while the Bronx has the highest. New York City’s average rates as a whole are high, but you can find below-average rates in both Brooklyn and the Bronx.
New York City has more expensive car insurance rates than smaller towns in the state because of its dense population, which leads to higher accident and theft rates.
And the city has issues with fraudulent insurance claims, which can raise average rates for everyone. The city’s largest for-hire and taxi vehicle insurer, the American Transit Insurance Company, claims that between 60% and 70% of its annual claims are fraudulent.[2]
Take a look at the table below to see the average rates in other cities across New York.
City | Average Monthly Quote |
|---|---|
| Binghamton | $111 |
| Bronx | $351 |
| Brooklyn | $316 |
| Buffalo | $188 |
| Long Island | $282 |
| New York City | $262 |
| Rochester | $122 |
| Schenectady | $113 |
| Staten Island | $221 |
| Syracuse | $149 |
| Utica | $145 |
| Yonkers | $266 |
New York City is extremely dense, leading to high traffic congestion. During evening rush hour, the traffic congestion level can reach 57%, according to TomTom. During morning rush hour, it takes drivers roughly 30 minutes to drive 5.5 miles.[3]
New York City, especially the Manhattan borough, has a grid pattern with thousands of intersections. This can significantly slow traffic, which is why many New Yorkers instead decide to take the subway or walk.
Car insurance in New York City is expensive because insuring a vehicle in the most-populous city in the U.S. comes with many risks. New York County had the fifth-highest vehicle theft rate in the country in 2024 and in the first half of 2025.
New York is also a no-fault state, meaning both insurers are on the hook for damages after a car accident, regardless of which driver is at fault. The city also sees very high rates of insurance fraud, which affects rates.
Erie is the cheapest insurer in New York City for liability-only car insurance, with an average rate of $86 per month, lower than the city’s average rate of $191.
New York drivers can benefit from having a full-coverage policy in most cases. That said, New York State’s minimum car insurance requirements only require bodily injury liability coverage, property damage liability coverage, and personal injury protection.
Check out the table below for the cheapest liability car insurance rates in New York city.
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 |
|---|---|
| Erie | $86 |
| USAA | $90 |
| Travelers | $105 |
| State Farm | $123 |
| Allstate | $130 |
| Nationwide | $132 |
| GEICO | $135 |
| Chubb | $241 |
| Progressive | $254 |
Erie is the cheapest insurer for full-coverage car insurance in New York City, with an average rate of $158 per month, lower than the city’s average rate of $332.
New York City drivers should almost always choose full coverage, since risks like vehicle theft and car accidents are very common and not fully covered by liability-only insurance. Full coverage includes both collision coverage and comprehensive coverage, which provide much more thorough protection.
Take a look at the table below to see the cheapest full-coverage car insurance rates in New York City.
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 |
|---|---|
| Erie | $158 |
| USAA | $165 |
| Travelers | $193 |
| State Farm | $226 |
| Allstate | $238 |
| Nationwide | $241 |
| GEICO | $249 |
| CSAA | $290 |
| Chubb | $440 |
| Progressive | $489 |
The fines for speeding tickets in New York depend on the severity of your infraction. You can face a fee between $45 and $600, depending on how fast you were speeding.
A speeding ticket will earn you anywhere from 3 to 11 points on your driving record, again depending on how much over the speed limit you are going. If you accumulate 11 points in 24 months, the state may suspend your driver’s license.[4]
Erie and USAA are the cheapest car insurance companies in New York City for drivers with a ticket, with rates much lower than the city average. These insurers are good coverage choices for the 5.85% of drivers in New York City with a ticket on their record.
The table below shows the cheapest liability rates for drivers with a speeding ticket in New York City.
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 |
|---|---|
| Erie | $112 |
| USAA | $115 |
| Travelers | $134 |
| State Farm | $154 |
| Allstate | $167 |
| Nationwide | $169 |
| GEICO | $174 |
| Chubb | $303 |
| Progressive | $309 |
Erie, USAA, and Travelers are the cheapest insurers in New York City for drivers with an at-fault accident on their records. All three have rates well below the city average. New York is a no-fault state for car insurance, so both drivers’ insurers pay for damages and medical bills, regardless of fault.
If you have an accident on your record, your insurance premiums will likely increase, as insurers consider you more likely to file another claim. That said, the 5.76% of drivers in New York with an accident on their record can still find affordable rates.
Check out the table below to see the cheapest liability rates for drivers with an at-fault accident in New York City.
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 |
|---|---|
| Erie | $120 |
| USAA | $126 |
| Travelers | $148 |
| State Farm | $170 |
| Allstate | $182 |
| Nationwide | $185 |
| GEICO | $185 |
| Chubb | $334 |
| Progressive | $363 |
New York punishes DUIs severely, with a minimum license revocation of six months and a minimum fine of $500.[5]
Erie is the cheapest car insurance company on average for the 2.8% of New York City drivers with a DUI.
You can still find reasonable rates after a DUI in New York City if you take the time to research car insurance companies and compare quotes. The table below shows the cheapest liability rates for drivers with a DUI in New York City.
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 |
|---|---|
| Erie | $136 |
| USAA | $142 |
| Travelers | $166 |
| State Farm | $194 |
| Allstate | $205 |
| Nationwide | $208 |
| GEICO | $211 |
| Chubb | $381 |
| Progressive | $436 |
Teen drivers in New York City pay some of the highest rates of any group in the entire country, with an average full-coverage rate of $478 per month.
The city already presents risks for insuring vehicles, and young drivers are among the riskiest age groups to insure. In New York State, car accidents are the leading cause of death for 16- and 17-year-olds.[6]
Check out the table below to compare the cheapest liability car insurance rates for teenage drivers in New York City.
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 |
|---|---|
| Erie | $142 |
| USAA | $150 |
| Travelers | $199 |
| State Farm | $216 |
| GEICO | $219 |
| Allstate | $233 |
| Nationwide | $233 |
| Progressive | $366 |
| Chubb | $451 |
Insurify partners with top insurers for real quotes
Senior drivers pay some of the cheapest average car insurance rates in New York City, with an average cost of $132 per month for liability insurance.
For the nearly 1.5 million New Yorkers aged 65 and over, Erie is the cheapest insurer on average, at $58 per month for liability insurance.
Here are the cheapest liability car insurance rates for senior drivers in New York City.
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 |
|---|---|
| Erie | $58 |
| USAA | $65 |
| Travelers | $75 |
| State Farm | $86 |
| Nationwide | $90 |
| Allstate | $94 |
| GEICO | $96 |
| Chubb | $161 |
| Progressive | $175 |
Finding the best car insurance in the Big Apple can be a challenge. The answers below can help you navigate New York City car insurance.
Erie is the cheapest car insurance company in New York City. The insurer has a liability-only rate of $86 per month. USAA and Travelers are the second- and third-cheapest auto insurers in the city, on average.
Full-coverage car insurance in New York City costs an average of $332 per month, or $3,984 per year. But you can earn cheaper rates if you take the time to get an auto insurance quote from multiple insurers, apply for car insurance discounts, increase your deductible, and bundle policies.
Numerous factors influence your car insurance rates in New York City, including your driving record, credit history, age, location, vehicle age, insurance fraud rates, and New York State’s no-fault insurance system.
Your location plays a major role in how much your rates are in New York City, as certain ZIP codes have higher rates of accidents and theft. Ask your insurance agent what you can do to save on New York auto insurance.
The best way to keep your car insurance costs low in New York is by keeping a clean driving record so your insurer has no reason to think you’ll file a claim. When buying car insurance, you should always apply for discounts, carefully select the right car insurance coverage limits, and avoid unnecessary additional coverages.
It’s important to compare car insurance quotes from a few different companies before you buy an insurance policy. Garage your car if possible, as insurers consider where you park your vehicle overnight.
Yes. Your driving history affects your car insurance rates in New York, just like it would anywhere else. New York uses a point system for driving violations, which insurers consider when setting rates. The more accidents or tickets you have, the higher your car insurance rates will likely be.
Yes. New York is a no-fault car insurance state. This means the insurance company of each driver involved in a car accident will pay for damages and medical expenses, regardless of who caused the accident.
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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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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.
Featured in
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.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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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