Cheapest Car Insurance Quotes in New York (2026)
GEICO, Erie, and Progressive often rank among the cheapest companies for minimum and full coverage. The cheapest insurer’s rates average $71 per month.
Secure. Free. Easy-to-use.
4.7 / 515K reviews
)
Written byDoug Bailey
)
Doug BaileySenior Content Writer
)
Edited byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
Reviewed byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
Data reviewed byKonstantin Halachev
)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
New York car insurance at a glance
Cheapest car insurance company in New York: Erie
Cheapest average car insurance rate in New York: $71
Average monthly liability-only car insurance cost in NY: $153
Average monthly full-coverage car insurance cost in NY: $243
Cheapest car insurance quotes in New York
To help you compare car insurance quotes in New York, the insurers listed here offer the cheapest quotes in the state, on average. These quotes reflect insurance policy rates for people with a clean driving history, good credit, and no recent claims. The quotes you receive will vary based on your age, ZIP code, vehicle type, deductible, and coverage limits.
While the quotes below give a snapshot, the cheapest insurers in New York are often:
Erie
USAA
Travelers
Here, you can see the average rates several different insurers offer across New York.
Insurance Company  | Minimum Coverage | Full Coverage |
|---|---|---|
| Erie | $71 | $116 |
| USAA | $74 | $121 |
| Travelers | $87 | $142 |
| State Farm | $101 | $165 |
| Allstate | $107 | $174 |
| Nationwide | $108 | $176 |
| GEICO | $111 | $183 |
| Chubb | $197 | $322 |
| Progressive | $208 | $351 |
| Bristol West | $282 | $440 |
Disclaimer: Table data is based on real-time New York quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Best-rated insurance companies in New York
The following companies are recognized as top insurers in New York based on a combination of Insurify customer reviews, financial strength ratings, complaint data, and respected third-party sources, including J.D. Power, AM Best, and the National Association of Insurance Commissioners.
Insurify compared each insurer across these factors to determine overall performance and reliability as well as to identify specific customer segments where they excel.
Best for full coverage: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $111/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. | $183/mo |
4.0
Best choice in New YorkBased on 18,788 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in New York for
Showing 75 reviews from New York driversSee all 7,819 GEICO reviews
Verified Review
Reviewed in New York on June 15, 2026
All good, great rate, did not charge me excessively for my son's age.
Verified Review
Reviewed in New York on June 14, 2026
Too expensive. The rate goes up every 6 months.
Verified Review
Reviewed in New York on June 13, 2026
Too expensive already and became more expensive every year!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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
GEICO’s popularity in New York has grown because it combines relatively low full-coverage premiums with strong digital tools and broad statewide availability, including New York City and Long Island. Its well-rounded full coverage is more affordable than the options available from some other insurers.
Pros
Competitive full-coverage rates
Strong mobile app and online quote system
Multiple bundling discounts for homeowners and renters
Cons
Fewer local agents than some competitors
Rates can rise sharply after a DUI
Limited gap coverage availability
Best for minimum coverage: Erie Insurance
| User Reviews | 4.4 |
|---|---|
| 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. | $71/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. | $116/mo |
4.4
Best choice in New YorkBased on 530 verified driver reviews and ratings
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about Erie Insurance
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Based on analysis of verified reviews collected by Insurify
Best in New York for
Showing recent national reviewsSee all 236 Erie Insurance reviews
Verified Review
Reviewed in Pennsylvania on June 9, 2026
They have a good reputation, but they make changes to your policy that you may not be aware of unless you pay attention.
Verified Review
Reviewed in Ohio on May 25, 2026
Where I'm at is very good and satisfying. My daughter said I should check you out, so that's why I'm here. I do feel it's good to check out your options instead of going with the first company.
Verified Review
Reviewed in New York on May 18, 2026
I just don’t think they give us a break on the price when insuring three vehicles. One of them is only on the road for 6 months as it’s a collector car.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
700
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.68
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
Erie Insurance is a regional insurer with rates that fall well below its competitors in New York, on average. The Pennsylvania-based insurer also has strong customer satisfaction scores according to J.D. Power.[1]
Pros
Strong customer satisfaction scores
Physical damage coverage includes coverage for items in vehicle
Ability to lock in your rate
Cons
Fewer discounts available than some other insurers
Coverage only available in 12 states
Fewer digital tools than national insurers
Best for savings: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| 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. | 8.7 /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. | $208/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. | $351/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in New York for
Showing 48 reviews from New York driversSee all 8,608 Progressive reviews
Verified Review
Reviewed in New York on June 13, 2026
Poor policy coverage, extremely expensive.
Verified Review
Reviewed in New York on June 13, 2026
They are misleading, trying to make multiple claims out of one incident and deciding not to renew over minimal expense, even though I pay regularly and am at no fault.
Verified Review
Reviewed in New York on June 6, 2026
I've been with Progressive for about 17 years, and everything has always gone fine. I've never had a problem.
…
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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
Progressive is now the largest private auto insurer in the United States. It offers numerous discounts and flexible deductible options, making it attractive for drivers seeking cheap car insurance and those rebuilding their driving history.
Pros
Wide range of discounts
Helpful comparison tools online
Affordable rates for high-risk drivers
Cons
Higher complaint levels than some other insurers
Snapshot telematics may increase rates for some drivers
Full-coverage rates can increase significantly after an accident
Best for customer service: Liberty Mutual
| User Reviews | 3.4 |
|---|---|
| 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. | $129/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. | $207/mo |
3.4
A solid option in New YorkBased on 4,072 verified driver reviews and ratings
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Based on analysis of verified reviews collected by Insurify
Best in New York for
Showing 22 reviews from New York driversSee all 1,949 Liberty Mutual reviews
Verified Review
Reviewed in New York on June 13, 2026
Liberty Mutual is very expensive.
Verified Review
Reviewed in New York on June 12, 2026
Good except for the raising of prices for no reason.
Verified Review
Reviewed in New York on April 13, 2026
No problems with insurance, but I'm disappointed that I drive less than 9,000 miles a year on my car, less than 1,000 a year on the 1995 pickup, and have had yet another increase in my monthly premium. No tickets, no claims, I don't live in the city, so there's no increase in the possibility of theft, accident, etc., and still an increase.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
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
Liberty Mutual scored highly in J.D. Power’s most recent customer satisfaction ratings and offers personalized service through local agents all across New York.
Pros
Strong claims satisfaction[1]
Numerous online features
Several auto insurance coverage types available
Cons
Lower financial strength rating than some competitors
Higher rates than some competitors
Telematics program could cause your premiums to increase
We evaluated insurers in New York by analyzing Insurify’s consumer review data, NAIC complaint trends, AM Best financial strength ratings, and J.D. Power customer satisfaction studies. We also weighted average premiums, the availability of discounts, and coverage options specific to New York drivers to determine final rankings.
How much is car insurance in New York?
The average annual cost of minimum-coverage car insurance in New York is roughly $1,838, while full coverage averages about $2,919 annually. Both figures exceed the national averages of $1,177 and $2,236, respectively.
New York’s elevated car insurance costs stem from heavy traffic congestion (especially in New York City), expensive vehicle repairs, high medical costs, and mandatory personal injury protection (PIP) coverage under the state’s no-fault insurance system.[2]
Find Cheap Car Insurance in New York
Compare quotes from top auto insurers in minutes
Excellent
4.7 out of 5 based on 15,095 reviews
Secure. Free. Easy-to-use.
Average car insurance quotes in New York cities
Car insurance rates in New York fluctuate by location. This means drivers in New York City and on Long Island typically pay higher rates than drivers in upstate New York.
City | Full-Coverage Average | Liability-Only Average |
|---|---|---|
| Astoria | $295 | $149 |
| Binghamton | $134 | $78 |
| Bronx | $404 | $287 |
| Brooklyn | $349 | $251 |
| Buffalo | $199 | $156 |
| Ithaca | $235 | $58 |
| Long Beach | $326 | $197 |
| Long Island City | $355 | $186 |
| Middletown | $212 | $124 |
| Mount Vernon | $372 | $208 |
| New Rochelle | $151 | $132 |
| New York | $313 | $189 |
| Newburgh | $234 | $175 |
| Niagara Falls | $194 | $131 |
| Poughkeepsie | $182 | $111 |
| Rochester | $148 | $89 |
| Schenectady | $143 | $85 |
| Staten Island | $260 | $165 |
| Syracuse | $193 | $100 |
| Troy | $176 | $93 |
| Utica | $167 | $101 |
| Valley Stream | $278 | $195 |
| White Plains | $196 | $119 |
| Yonkers | $293 | $192 |
Disclaimer: Table data is based on real-time New York quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Densely populated metro areas face the highest car insurance costs due to frequent accidents, theft, and increased litigation. This means drivers in New York City boroughs like the Bronx and Brooklyn will pay more than people who live in Ithaca or Buffalo.
Here, you can see New York’s most expensive cities for auto insurance.
The below rates in New York are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Average Full-Coverage Rates for Most Expensive NY Cities
City | Full-Coverage Average |
|---|---|
| Long Beach | $326 |
| Brooklyn | $349 |
| Long Island City | $355 |
| Mount Vernon | $372 |
| Bronx | $404 |
Why you should compare car insurance quotes in New York
Car insurance quotes can vary widely among insurers in New York, even for drivers with similar coverage limits and driving histories. Factors like your ZIP code, annual mileage, age, gender, and prior claims can all affect your insurance premium.
Comparing multiple auto insurance quotes can help you identify the best balance between price and insurance coverage.
To get the most accurate quotes, follow these steps:
Use the same deductible and coverage limits across all quotes.
Include all drivers in your household.
Compare minimum coverage and full coverage separately.
Ask about bundling discounts with homeowners or renters insurance.
Review optional coverage, like roadside assistance, carefully.
Recheck rates after major life changes or moving.
New York car insurance requirements
New York requires drivers to carry a minimum amount of auto insurance, which includes several components under state law.
Minimum required coverage in New York includes:
Bodily injury liability: $25,000 per person/$50,000 per accident
Property damage liability: $10,000 per accident
Personal injury protection (PIP): $50,000
Uninsured motorist bodily injury: $25,000/$50,000[3]
New York’s no-fault insurance system requires drivers to carry personal injury protection coverage, which helps pay your medical expenses and lost wages after an accident, regardless of fault.
How to find the cheapest New York car insurance
Drivers in New York can often lower their auto insurance rates by improving their credit, maintaining a clean driving record, and regularly comparing quotes.
Because rates vary sharply by location, drivers in expensive areas like Brooklyn or the Bronx may especially benefit from shopping around and comparing car insurance quotes.
Use these tips as you begin your search for cheap car insurance:
Increase your deductible, but only if you can afford higher out-of-pocket costs.
Bundle auto insurance with homeowners or renters coverage.
Maintain continuous insurance coverage.
Ask about low-mileage discounts, if applicable for you.
Improve your credit profile.
Complete a defensive driving course approved by New York state.
Avoid lapses in insurance after a DUI or other serious violation.
Compare New York Car Insurance Quotes
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 15,095 reviews
Secure. Free. Easy-to-use.
Find quotes for your driver profile
Different drivers face very different car insurance rates in New York. Younger drivers, seniors, and drivers with violations often pay substantially different premiums.
Car insurance for young drivers in New York
Car insurance for senior drivers in New York
Car insurance for drivers with violations in New York
New York car insurance quotes by coverage
New York car insurance guides
How car insurance costs have changed in New York
New York auto insurance rates increased sharply during 2025 as insurers continued adjusting for higher repair costs, medical inflation, and increased claims severity, according to Insurify’s Insuring the American Driver Report.
In 2026, many insurers are still seeking rate increases due to litigation expenses, rising repair costs for advanced vehicle technologies, and persistent inflation affecting both labor and replacement parts.
New York car insurance FAQs
New York drivers face higher premiums than drivers in many other states, so it’s important to carefully compare coverage options and discounts. As you begin your search for more affordable car insurance in New York, the answers to the following questions can help.
What company has the cheapest car insurance rates in New York?
Erie offers the cheapest car insurance in New York, at an average monthly rate of $71. The lowest average monthly rate for full coverage is $116, available through Erie.
How can you get lower car insurance in New York?
You can lower your insurance premium by comparing quotes regularly, increasing your deductible, bundling policies, maintaining good credit, and completing a state-approved defensive driving course.
What’s the minimum auto insurance coverage in New York?
New York requires bodily injury liability, property damage liability, uninsured motorist coverage, and $50,000 in personal injury protection coverage under its no-fault insurance laws.
What makes New York car insurance rates unique?
New York drivers often pay more because of heavy traffic congestion, high medical expenses, mandatory PIP coverage, theft exposure, and expensive claims litigation, especially in New York City.
Is GEICO or Progressive cheaper in New York?
GEICO is often cheaper for drivers with clean records, while Progressive may offer better pricing for drivers with accidents, DUIs, or less-than-perfect driving histories.
Sources
- J.D. Power. "Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds."
- New York Department of Financial Services. "Consumer FAQs About No-Fault Insurance."
- New York Department of Financial Services. "How much auto insurance must I carry?."
Methodology
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:
- 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.
Related articles
)
Cheap Car Insurance for Senior Drivers in New York
Erie is the cheapest car insurance option for New York seniors, with liability-only coverage averaging $48 per month.
)
DWI Car Insurance in New York: Costs, Laws, and Cheapest Companies
Drivers in New York with a DWI pay an average of $272 per month for liability-only car insurance.
)
Best Car Insurance in New York
CSAA, Liberty Mutual, and Progressive are some of the best car insurance companies in New York.
)
Car Insurance for High-Risk Drivers in New York
Car insurance for high-risk drivers in New York state is generally more expensive, but it’s still possible to find an affordable policy.
)
Rideshare Insurance in New York
Rideshare insurance isn’t a legal requirement in New York state, but your personal car insurance probably won’t cover you while you’re driving for a rideshare company.
)
Temporary Car Insurance in New York
Travelers, Liberty Mutual, and Progressive are the best insurers for New York drivers looking for temporary coverage.
)
Cheap Car Insurance for Teen Drivers in New York
Erie has the cheapest car insurance for teens in New York, with an average monthly liability rate of $117.
Best Home and Auto Insurance in New York
Progressive and Travelers are two of the best companies in New York state for bundling home and auto insurance.
)
Gap Insurance in New York
Gap insurance in New York covers the difference between your insurance payout and your outstanding loan amount. Erie has the cheapest gap insurance in the Empire State, on average.
)
Best Car Insurance for Antique and Classic Cars in New York
The best car insurance companies for antique and classic cars in New York include Hagerty, Safeco, and Leland-West.
New York Car Insurance Requirements in 2026
New York drivers must have bodily injury liability, property damage liability, uninsured motorist, and personal injury protection coverage.
How Much Is Car Insurance in New York?
Drivers in New York State pay an overall average of $2,379 per year for car insurance.
Why Is Car Insurance So Expensive in New York?
Full-coverage car insurance in New York state costs an average of $2,919 per year. New York’s auto insurance rates are about 50% higher than the national average.
)
Is New York a No-Fault State for Auto Insurance?
New York is a no-fault car insurance state. That means each driver involved in an accident files a claim with their own insurer, regardless of fault.
)
Cheap Car Insurance in New York After a Speeding Ticket
Erie is the cheapest insurer for drivers in New York state with speeding tickets on their records. For full-coverage insurance, Erie policyholders pay an average of $151 per month.
)
Cheapest Car Insurance in New York After an Accident
Erie offers the cheapest liability-only coverage car insurance in New York state for drivers with an at-fault accident, at $99 per month.
Non-Owner Car Insurance in New York
Non-owner car insurance in New York provides liability coverage for driving a car you don’t own. The state doesn’t require non-owner insurance, but it might make sense if you regularly borrow a car or want to maintain continuous insurance.
)
Cheapest Auto Insurance in Syracuse, New York
Erie has the cheapest liability insurance in Syracuse, with rates starting at $53 per month.
)
Cheapest Auto Insurance in Binghamton, New York
The cheapest liability-only insurer in Binghamton is CSAA, with rates of $109 per month.
)
Cheap Auto Insurance in Yonkers, New York
Yonkers drivers will find the cheapest car insurance with Erie. Its minimum coverage rates start at $88 per month.
)
Cheapest Auto Insurance in Utica, New York
CSAA offers Utica drivers the cheapest rates, with minimum-coverage policies averaging $145 per month.
)
Cheapest Auto Insurance in Long Island, New York
CSAA offers the cheapest liability-only insurance in Long Island, at $136 per month.
)
Cheapest Auto Insurance in Schenectady, New York
With monthly liability rates averaging $71, Erie is the cheapest car insurance company in New York.
Cheapest Car Insurance Quotes in New York City (June 2026)
The cheapest insurer in New York City is Erie, with an average monthly liability rate of $91. Car insurance in New York City is typically very expensive due to the city’s high population density, which leads to more traffic congestion and higher rates of accidents and theft.
)
Cheapest Car Insurance Quotes in Brooklyn (June 2026)
Erie is the cheapest average insurer in Brooklyn, with an average monthly rate of $109 for liability coverage. Car insurance rates in Brooklyn are high due to the city’s high population density, which increases the risk of accidents and theft.
Cheapest Car Insurance Quotes in Rochester, New York (June 2026)
The cheapest car insurance company in Rochester is Erie, with average liability rates of $43 per month. Premiums in the area are likely cheaper than the New York State average due to lower population density and shorter commute times.
Cheapest Car Insurance Quotes in Buffalo, New York (June 2026)
Erie offers the cheapest liability car insurance in Buffalo, at $65 per month. Lake-effect snow and New York’s no-fault insurance system push Buffalo rates above the state average.
)
Cheapest Car Insurance Quotes in Bronx, New York (June 2026)
Erie is the cheapest insurance company in the Bronx, with a monthly average of $126 for liability-only insurance. The Bronx has a high rate of vehicle theft, which pushes overall car insurance rates higher.
)
Cheap Car Insurance Quotes in Staten Island (June 2026)
Erie is the cheapest insurer in Staten Island, with an average monthly rate of $77 for liability coverage. While car insurance costs in Staten Island aren’t as high as those in other boroughs, New York’s no-fault insurance laws can drive up rates.
)
Doug BaileySenior Content Writer
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology