Cheapest Auto Insurance in New York (2024)
CSAA offers the cheapest liability-only rates in the state, at $119 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 byAshley Cox
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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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 November 20, 2024
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Table of contents
The average cost of car insurance in New York is $359 per month, which exceeds the national average of $154. 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 insurers can help you find affordable coverage.
Here’s what you need to know about finding cheap car insurance in New York.
Quick Facts
CSAA, Safeco, and Liberty Mutual offer the cheapest average car insurance rates in New York.
New York drivers pay $311 per month for liability coverage and $407 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]
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. The table below highlights a few of the best car insurance companies in New York that excel in a few different categories and offer competitive rates.
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 | 7.6 | $179 | $119 | Cheapest rates |
| Safeco | 8.3 | $182 | $162 | Safe drivers |
| Progressive | 8.4 | $371 | $250 | Discounts |
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.
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 28,000 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.
Cheapest rates: 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. | $119/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. | $179/mo |
4.5
Best choiceBased on 1618 verified guest reviews and ratings
How drivers feel about CSAA
Drivers appreciate the competitive rates and helpful customer service but dislike the lack of communication and the recent price increases.
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 competitive rates and helpful customer service but dislike the lack of communication and the recent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
AAA members
Customer service
Membership perks
Reviews (433)
Brooklynn
November 19, 2024
Verified Review
I know everyone should do this
It's amazing, I loved it.
Renee
November 6, 2024
Verified Review
If It Ain't Broke...
AAA has been fair over the years but with a $200 increase in one year, I had to shop around. I will stick with AAA.
Mary
November 6, 2024
Verified Review
AAA Fun
I always have a great experience! They are professional, patient, and willing to explain things to you.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC 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.
Best insurer for safe drivers: 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 |
| 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. | $162/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. | $182/mo |
4.5
Best choiceBased on 754 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
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 polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (419)
Sarah
November 10, 2024
Verified Review
Too Expensive
The cost is very high. There is no discount for driving less than 50 miles per week. However, we do appreciate the check for not making a claim.
Bonnie
November 2, 2024
Verified Review
The Price of Car Insurance
I'm not happy that I'm paying over $100 per month. My car is a 2013 model.
Harris
October 31, 2024
Verified Review
Just Fine
We have only used them for a flat tire change and windshield replacement.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825NAIC 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)
Best insurer for discounts: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 819 |
|---|---|
| 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. | $250/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. | $371/mo |
How drivers feel about Progressive
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
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
Drivers appreciate the professional service and accident forgiveness but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (5,794)
Steven
November 19, 2024
Verified Review
I'll Stay with Them, No One Can Beat Them!
They are the cheapest I have found!
Lesley
November 16, 2024
Verified Review
Disappointed
If you want to use the auto pay feature, you have to do snapshot.
Joyce
November 14, 2024
Verified Review
Unfair Pricing
They initially offered a low price, but then added $100 after three months without any notice. I tried to contact them about it, but they either did not answer the phone or responded in a hostile manner. As a result, I had to cancel and find coverage elsewhere.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819NAIC 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
A+ (Superior) financial strength rating from AM Best
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.
Find Car Insurance in New York
Liability coverage in New York starts at $119 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Cheapest liability-only car insurance 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 $311 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: Friday, November 1 at 12:00 PM PDT.
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 | $119 |
| Safeco | $162 |
| Liberty Mutual | $198 |
| Progressive | $250 |
| Erie | $337 |
| USAA | $351 |
| Bristol West | $483 |
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: 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 $407 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: Friday, November 1 at 12:00 PM PDT.
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 | $179 |
| Safeco | $182 |
| Liberty Mutual | $290 |
| Progressive | $371 |
| Erie | $500 |
| USAA | $520 |
| Bristol West | $558 |
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 rates in New York
Drivers in and around New York have found policies from Bristol West, Erie, USAA, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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 November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 November 20, 2024. 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 for drivers with an incident
Having a clean driving record is one of the best ways to secure cheap car insurance in New York. Driving incidents like at-fault accidents, speeding tickets, and driving under the influence (DUI) charges can all cause your car insurance premium to increase.[4] New York drivers with a past incident on their record pay $400 per month for car insurance, on average.
Car insurance companies see a history of these incidents on your driving record as an indicator of an increased risk of claims filing. Practicing safe driving habits can help you maintain a clean driving record and earn competitive rates.
Shop for Car Insurance in New York
Liability coverage starts at $144 per month for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: CSAA
Driving above the speed limit can lead to dangerous accidents. If you have one or more speeding tickets on your driving record, insurers may assume you don’t practice safe driving habits and charge you higher average rates. The overall average cost of car insurance for New York drivers with a speeding ticket is $397 per month.
This table highlights the average quotes for drivers with speeding tickets in New York.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
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 ▲▼ | Clean Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| CSAA | $119 | $140 |
| Safeco | $162 | $189 |
| Liberty Mutual | $198 | $247 |
| Progressive | $250 | $285 |
| Erie | $337 | $399 |
| USAA | $351 | $403 |
| Bristol West | $483 | $560 |
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: CSAA
Insurance companies view people with at-fault accidents on their records as high-risk drivers. The exact premium increase you experience after an accident will depend on the severity of the incident and how much your insurer paid out in claims. On average, New York drivers with a past at-fault accident pay $424 per month for car insurance.
Here are the average car insurance quotes from New York insurers for drivers with an at-fault car accident on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
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 ▲▼ | Clean Record ▲▼ | With At-Fault Accident ▲▼ |
|---|---|---|
| CSAA | $119 | $152 |
| Safeco | $162 | $197 |
| Liberty Mutual | $198 | $260 |
| Progressive | $250 | $309 |
| Erie | $337 | $424 |
| USAA | $351 | $431 |
| Bristol West | $483 | $591 |
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: CSAA
A DUI is one of the most severe driving violations. As a result, you can expect to see a significant increase in your car insurance rates if you have a DUI on your driving record. You may have to do a lot of research to find affordable car insurance from a company that will offer coverage to drivers with a past DUI.
New York drivers with a past DUI pay an average of $495 per month for auto coverage. Review the following table to get an idea of which car insurance companies charge the least on average for New York drivers with a DUI on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
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 ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| CSAA | $119 | $160 |
| Safeco | $162 | $226 |
| Liberty Mutual | $198 | $300 |
| Progressive | $250 | $379 |
| Erie | $337 | $510 |
| USAA | $351 | $532 |
| Bristol West | $483 | $731 |
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 seniors: CSAA
Your age plays a role in insurance pricing. Car insurance rates typically decrease around age 25 due to increased driving experience and reduced risk-taking behavior among mature adults. And middle-aged drivers often earn the cheapest premiums by driver age.
Rates tend to increase for drivers around age 70 because older drivers may face declining cognitive and physical abilities, which can increase the likelihood of accidents, prompting insurers to adjust premiums to reflect the associated higher risks.
On average, senior drivers in New York pay $354 per month for car insurance. The table below has average insurance quotes for senior drivers in the state of New York.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| CSAA | $100 | $151 |
| Safeco | $151 | $170 |
| Liberty Mutual | $182 | $267 |
| Progressive | $201 | $298 |
| Erie | $285 | $423 |
| USAA | $309 | $457 |
| Bristol West | $426 | $492 |
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: CSAA
Because teenagers have limited driving experience, they tend to get in more car accidents than older drivers. To help offset the risk of insuring them, car insurance companies typically charge young drivers the highest rates for car insurance until they demonstrate safe driving habits.
The overall average cost of car insurance for teen drivers in New York is $646 per month. To help lower costs, teens can look into earning good student or safety feature discounts. Joining their parents’ existing car insurance policy can also qualify the family for a multi-policy discount.[5]
Here are the cheapest car insurance companies for teen drivers in the state.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
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 ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| CSAA | $197 | $296 |
| Safeco | $320 | $360 |
| Liberty Mutual | $350 | $512 |
| Progressive | $451 | $670 |
| Erie | $582 | $863 |
| USAA | $606 | $898 |
| Bristol West | $838 | $968 |
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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Insurify partners with 100+ top insurers for real-time quotes
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Based on 3,806+ reviews
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New York car insurance quotes by credit tier
In some states, including New York, insurers can consider your credit-based insurance score when determining car insurance premiums. Having excellent or good credit indicates to car insurance companies that you’re less likely to file future claims. As a result, people with poor credit typically pay higher car insurance rates.[6]
In general, maintaining a strong credit history can help you save money on a wide variety of insurance products and other financial products. Here are average full-coverage rates for New York drivers by credit tier.
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.
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 $359 per month. On average, drivers pay $407 per month for full-coverage insurance and $311 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 $119 per month for liability coverage. With a liability insurance rate of $162, Safeco is the second-cheapest car insurance company. The liability coverage rate with Liberty Mutual — the third-cheapest insurer in the state — is $198 per month.
Comparing quotes from multiple companies is the best way to find cheap coverage that meets your insurance needs.
What are the best car insurance companies in New York?
With an A+ (Superior) financial strength rating from AM Best, an Insurify Quality (IQ) Score of 8.4 out of 10, and numerous available discounts, Progressive is the best car insurance company in New York. On average, Progressive drivers in New York pay $250 per month for liability coverage and $371 for full coverage. Other top insurers include Safeco and USAA.
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.
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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."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "How to save money on car insurance."
- Experian. "Which States Restrict the Use of Credit Scores in Determining Insurance Rates?."
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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.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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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.
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