Best car insurance in New York July 2024
Updated 5:04 a.m. UTC July 1, 2024
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Progressive is the best car insurance company in New York. Among the companies we analyzed, it has the cheapest car insurance for good drivers — $1,356 less than the statewide average. Progressive also has a very low level of consumer complaints to state insurance departments, implying that customers are satisfied with coverage and claims handling.
Main Street America, New York Central Mutual (NYCM) and USAA are also good choices for car insurance in New York.
The best car insurance companies in New York
- Progressive: Best car insurance in New York.
- Main Street America: Best car insurance for high-risk drivers in New York.
- New York Central Mutual: Best car insurance for customer satisfaction in New York.
- USAA: Best car insurance for military in New York.
Why trust our car insurance experts
Our team of car insurance experts brings to the table decades of experience in the auto insurance industry, both as editors and consumers. We approach our car insurance analysis the way we would for ourselves or our family members, focusing on the factors that matter the most: rates, coverage and features available, customer complaints and the collision repair process.
We use a data-driven methodology to evaluate hundreds of insurance products, analyze thousands of data points and rate each insurer to help you find the best car insurance product for your situation. Advertisers never influence our editorial content.
You can read more about our methodology below.
- 14 New York car insurance companies reviewed.
- 112 New York car insurance rates analyzed.
- 5 levels of fact-checking.
Compare cheap car insurance in New York rates
Top-rated car insurance companies in New York
Compare the best car insurance companies in New York
NEW YORK CAR INSURANCE COMPANY | OUR RATING | AVERAGE MONTHLY CAR INSURANCE COST | CUSTOMER COMPLAINT LEVEL | LEARN MORE | ||||||
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$103 | Very low | Compare Rates Compare rates offered by participating partners | ||||||||
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Main Street America | $106 | Low | Compare Rates Compare rates offered by participating partners | |||||||
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New York Central Mutual (NYCM) | $146 | Very low | Compare Rates Compare rates offered by participating partners | |||||||
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$138 | Average | Compare Rates Compare rates offered by participating partners | ||||||||
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How much does car insurance cost in New York?
New York car insurance costs an average of $216 per month, or $2,587 per year, for good drivers with a full coverage policy, according to our analysis of rates. However, rates vary significantly depending on your driving history and where you live.
For example, if you have a DUI on your record, you may pay an average of $339 per month, or $4,070 per year, for New York car insurance.
Other factors that impact the cost of car insurance in New York include:
- Your age.
- Your gender.
- Type and amount of coverage you purchase.
- Deductible you choose, when applicable.
- Make and model of your vehicle.
- Your ZIP code.
Average cost of car insurance in New York by driver profile
DRIVER PROFILE | ANNUAL CAR INSURANCE | MONTHLY CAR INSURANCE |
---|---|---|
Good driver
| $2,587
| $216
|
After a gap in coverage
| $2,838
| $237
|
After an accident with property damage
| $3,623
| $302
|
After a speeding ticket
| $3,314
| $276
|
After an accident with injury
| $3,613
| $301
|
Poor credit
| $5,516
| $460
|
$4,070
| $339
| |
High-risk drivers
| $3,492
| $291
|
Adding a teen driver (16 to 19)
| $5,005
| $417
|
Cheapest car insurance companies in New York
Progressive is the cheapest car insurance company in New York for a driver with a clean record. According to our analysis of rates, the average rate for a good driver is $103 per month or $1,231 per year.
All of the top-scoring companies in our analysis have average rates below $2,000 per year for good drivers. However, you can expect higher rates after violations like a DUI, speeding ticket or an at-fault accident. A poor credit score can also lead to higher car insurance rates.
Use the table below to see which car insurance companies offer rates less than $216 per month, the statewide average for good drivers.
CAR INSURANCE COMPANY | AVERAGE MONTHLY CAR INSURANCE RATE IN NEWYORK | AVERAGE ANNUAL CAR INSURANCE RATE IN NEWYORK | COMPARED TO THE NATIONAL AVERAGE | LEARN MORE | ||||||
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$103 | $1,231 | -$1,356 | Compare Quotes Compare quotes offered by participating partners | |||||||
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Main Street America | $106 | $1,277 | -$1,310 | Compare Quotes Compare quotes offered by participating partners | ||||||
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$138 | $1,656 | -$931 | Compare Quotes Compare quotes offered by participating partners | |||||||
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New York Central Mutual (NYCM) | $146 | $1,750 | -$837 | Compare Quotes Compare quotes offered by participating partners | ||||||
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$166 | $1,997 | -$590 | Compare Quotes Compare quotes offered by participating partners | |||||||
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$176 | $2,113 | -$474 | Compare Quotes Compare quotes offered by participating partners | |||||||
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$192 | $2,299 | -$288 | Compare Quotes Compare quotes offered by participating partners | |||||||
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Average cost of car insurance in New York by city and company
Here’s the average rate for a full-coverage car insurance policy for a New York driver with a clean driving record.
CITY | CAR INSURANCE COMPANY | AVERAGE ANNUAL COST | AVERAGE MONTHLY COST |
---|---|---|---|
Albany
| Progressive
| $870
| $73
|
Albany
| National Grange Mutual
| $1,079
| $90
|
Albany
| New York Central Mutual Fire
| $1,242
| $104
|
Albany
| USAA
| $1,364
| $114
|
Albany
| Erie
| $1,437
| $120
|
Albany
| Preferred Mutual
| $1,550
| $129
|
Albany
| Allstate
| $1,612
| $134
|
Albany
| Geico
| $1,616
| $135
|
Albany
| Sterling
| $1,822
| $152
|
Albany
| State Farm
| $1,867
| $156
|
Albany
| Mercury
| $2,381
| $198
|
Albany
| Kemper
| $2,504
| $209
|
Albany
| Central Mutual
| $2,657
| $221
|
Albany
| Travelers
| $2,720
| $227
|
Albany
| Chubb
| $2,950
| $246
|
Albany
| Utica National
| $3,186
| $266
|
Albany
| Hanover
| $4,216
| $351
|
Buffalo
| Progressive
| $1,214
| $101
|
Buffalo
| New York Central Mutual Fire
| $1,623
| $135
|
Buffalo
| National Grange Mutual
| $1,653
| $138
|
Buffalo
| Allstate
| $1,921
| $160
|
Buffalo
| USAA
| $1,920
| $160
|
Buffalo
| Erie
| $2,284
| $190
|
Buffalo
| Geico
| $2,425
| $202
|
Buffalo
| Preferred Mutual
| $2,428
| $202
|
Buffalo
| Sterling
| $2,962
| $247
|
Buffalo
| Central Mutual
| $3,203
| $267
|
Buffalo
| Mercury
| $3,389
| $282
|
Buffalo
| Kemper
| $3,398
| $283
|
Buffalo
| State Farm
| $3,634
| $303
|
Buffalo
| Travelers
| $3,654
| $305
|
Buffalo
| Chubb
| $3,791
| $316
|
Buffalo
| Hanover
| $4,354
| $363
|
Buffalo
| Utica National
| $5,926
| $494
|
New York
| National Grange Mutual
| $1,403
| $117
|
New York
| Progressive
| $1,920
| $160
|
New York
| Geico
| $2,533
| $211
|
New York
| USAA
| $2,752
| $229
|
New York
| State Farm
| $2,873
| $239
|
New York
| Allstate
| $3,562
| $297
|
New York
| Erie
| $4,010
| $334
|
New York
| New York Central Mutual Fire
| $4,072
| $339
|
New York
| Chubb
| $4,683
| $390
|
New York
| Sterling
| $5,456
| $455
|
New York
| Kemper
| $5,528
| $461
|
New York
| Travelers
| $6,052
| $504
|
New York
| Mercury
| $7,315
| $610
|
New York
| Hanover
| $8,298
| $692
|
New York
| Utica National
| $10,737
| $895
|
New York
| Preferred Mutual
| $10,928
| $911
|
New York
| Central Mutual
| $12,942
| $1,079
|
Rochester
| Progressive
| $958
| $80
|
Rochester
| National Grange Mutual
| $1,229
| $102
|
Rochester
| USAA
| $1,260
| $105
|
Rochester
| New York Central Mutual Fire
| $1,266
| $106
|
Rochester
| Sterling
| $1,288
| $107
|
Rochester
| Preferred Mutual
| $1,318
| $110
|
Rochester
| Erie
| $1,510
| $126
|
Rochester
| Geico
| $1,550
| $129
|
Rochester
| Allstate
| $1,578
| $132
|
Rochester
| Central Mutual
| $1,792
| $149
|
Rochester
| State Farm
| $2,288
| $191
|
Rochester
| Chubb
| $2,620
| $218
|
Rochester
| Travelers
| $2,884
| $240
|
Rochester
| Kemper
| $3,084
| $257
|
Rochester
| Mercury
| $3,081
| $257
|
Rochester
| Utica National
| $3,146
| $262
|
Rochester
| Hanover
| $3,698
| $308
|
Syracuse
| Progressive
| $1,044
| $87
|
Syracuse
| National Grange Mutual
| $1,097
| $91
|
Syracuse
| New York Central Mutual Fire
| $1,133
| $94
|
Syracuse
| USAA
| $1,296
| $108
|
Syracuse
| Preferred Mutual
| $1,374
| $115
|
Syracuse
| Erie
| $1,456
| $121
|
Syracuse
| Allstate
| $1,661
| $138
|
Syracuse
| Sterling
| $1,735
| $145
|
Syracuse
| Geico
| $1,851
| $154
|
Syracuse
| Central Mutual
| $2,154
| $180
|
Syracuse
| State Farm
| $2,249
| $187
|
Syracuse
| Travelers
| $2,940
| $245
|
Syracuse
| Chubb
| $2,960
| $247
|
Syracuse
| Mercury
| $2,972
| $248
|
Syracuse
| Kemper
| $3,228
| $269
|
Syracuse
| Utica National
| $3,572
| $298
|
Syracuse
| Hanover
| $4,196
| $350
|
Cheapest car insurance in New York by driver profile
- After a speeding ticket.
- After an accident.
- After a DUI.
- With poor credit.
- After a gap in coverage.
- High-risk drivers.
- Adding a teen driver (16 to 19) to a parent policy.
Cheapest car insurance after a speeding ticket in New York
The cheapest car insurance company in New York for drivers after a speeding ticket is Main Street America. Its rate is $111 per month, or $1,332 per year.
If you have a speeding ticket, Progressive may also be a good fit. With an average rate of $122 per month, it’s the second cheapest option. USAA also offers rates under $200 per month for drivers with a speeding ticket in New York.
Car insurance company | Average NY annual car insurance rate | Average NY monthly car insurance rate |
---|---|---|
Main Street America | $1,332 | $111 |
Progressive | $1,458 | $122 |
USAA | $1,871 | $156 |
Allstate | $2,532 | $211 |
New York average | $3,314 | $1,657 |
Cheapest car insurance after an accident in New York
Progressive and Main Street America
If you have an accident with injuries on your record, Progressive may offer the most affordable car insurance. Those with accidents that only resulted in property damage can find low rates with Main Street America.
All of our top-scoring car insurance companies offer rates below the statewide average in New York for drivers with accidents on their record.
Cheapest car insurance after an accident with injuries
Car insurance company | Average NY annual car insurance rate | Average NY monthly car insurance rate | LEARN MORE | ||
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Progressive | $1,614 | $135 | Compare Quotes | Compare quotes offered by participating partners | |
USAA | $1,656 | $138 | Compare Quotes | Compare quotes offered by participating partners | |
Main Street America | $1,659 | $138 | Compare Quotes | Compare quotes offered by participating partners | |
NYCM | $2,156 | $180 | Compare Quotes | Compare quotes offered by participating partners | |
New York average | $3,613 | $301 | Compare Quotes | Compare quotes offered by participating partners |
Cheapest car insurance after an accident with property damage
Car insurance company | Average NY annual car insurance rate | Average NY monthly car insurance rate | LEARN MORE | ||
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Main Street America | $1,659 | $138 | Compare Quotes | Compare quotes offered by participating partners | |
Progressive | $1,910 | $160 | Compare Quotes | Compare quotes offered by participating partners | |
USAA | $2,151 | $180 | Compare Quotes | Compare quotes offered by participating partners | |
NYCM | $2,156 | $180 | Compare Quotes | Compare quotes offered by participating partners | |
New York average | $3,623 | $302 | Compare Quotes | Compare quotes offered by participating partners |
Cheapest car insurance after a DUI in New York
Progressive has the cheapest DUI car insurance in New York, with an average cost of $116 per month. Insurers may have some patience for drivers with accidents on their record, but if you get a DUI in New York, expect exceptionally high car insurance rates. The New York average is $339 per month, or $4,070 per year.
Main Street America also offers significantly lower rates than the New York average at $126 per month, or $1,513 per year.
Car insurance company | Average NY annual car insurance rate | Average NY monthly car insurance rate | LEARN MORE | ||
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Progressive | $1,391 | $116 | Compare Quotes | Compare quotes offered by participating partners | |
Main Street America | $1,513 | $126 | Compare Quotes | Compare quotes offered by participating partners | |
USAA | $2,143 | $179 | Compare Quotes | Compare quotes offered by participating partners | |
NYCM | $2,344 | $195 | Compare Quotes | Compare quotes offered by participating partners | |
New York average | $4,070 | $339 | Compare Quotes | Compare quotes offered by participating partners |
Cheapest car insurance with poor credit in New York
Allstate is your best bet for cheap car insurance in New York if you’re struggling with a low credit score. Geico is also worth considering. Of all the companies we analyzed, Allstate and Geico were the only two that charged under $3,000 per year for drivers with poor credit in New York. Though they weren’t top-scoring in our analysis, both receive 3.5 out of 5.0 stars.
Drivers with poor credit in New York pay the most for car insurance out of all the high-risk profiles we analyzed.
Car insurance company | Average NY annual car insurance rate | Average NY monthly car insurance rate | LEARN MORE | ||
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Allstate | $2,101 | $175 | Compare Quotes | Compare quotes offered by participating partners | |
Geico | $2,562 | $214 | Compare Quotes | Compare quotes offered by participating partners | |
USAA | $3,114 | $260 | Compare Quotes | Compare quotes offered by participating partners | |
Preferred Mutual | $3,871 | $323 | Compare Quotes | Compare quotes offered by participating partners | |
NYCM | $4,129 | $344 | Compare Quotes | Compare quotes offered by participating partners | |
New York average | $5,516 | $460 | Compare Quotes | Compare quotes offered by participating partners |
Cheapest car insurance after a gap in coverage in New York
Progressive is the cheapest insurance company in New York for drivers with a gap in car insurance coverage, with an average car insurance rate of $103 per month.
Main Street America, USAA and NYCM all offer rates under the state average for this driver profile.
Company | Average NY annual car insurance rate | Average NY monthly car insurance rate | LEARN MORE | ||
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Progressive | $1,231 | $103 | Compare Quotes | Compare quotes offered by participating partners | |
Main Street America | $1,277 | $106 | Compare Quotes | Compare quotes offered by participating partners | |
USAA | $1,656 | $138 | Compare Quotes | Compare quotes offered by participating partners | |
NYCM | $1,750 | $146 | Compare Quotes | Compare quotes offered by participating partners | |
New York average | $2,838 | $237 | Compare Quotes | Compare quotes offered by participating partners |
Cheapest car insurance for high-risk drivers in New York
Insurance companies may label you a high-risk driver if you have one or more at-fault accidents, DUIs, speeding violations or reckless driving violations on your record.
Main Street America has the cheapest car insurance for high-risk drivers in New York state, at $124 per month, or $1,488 per year.
Progressive and USAA also offer rates under the New York state average for high-risk drivers.
Car Insurance Company | Average NY annual car insurance rate | Average NY monthly car insurance rate | LEARN MORE | ||
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Main Street America | $1,488 | $124 | Compare Quotes | Compare quotes offered by participating partners | |
Progressive | $1,521 | $127 | Compare Quotes | Compare quotes offered by participating partners | |
USAA | $1,895 | $156 | Compare Quotes | Compare quotes offered by participating partners | |
NYCM | $2,112 | $176 | Compare Quotes | Compare quotes offered by participating partners | |
New York average | $3,492 | $291 | Compare Quotes | Compare quotes offered by participating partners |
Cheapest car insurance for adding a teen driver (16 to 19) in New York
Teen drivers typically have some of the highest rates in the nation, and New York teens are no different. If you have a new driver in the household, consider adding them to your insurance policy instead of letting them get their own. Doing so can significantly cut down their car insurance costs.
NYCMoffers the cheapest rates for adding a teen (ages 16 to 19) to your policy. It is the only company we analyzed that has average car insurance rates under $3,000 per year.
Car Insurance Company | Average NY annual car insurance rate | Average NY monthly car insurance rate | LEARN MORE | ||
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NYCM | $2,674 | $223 | Compare Quotes | Compare quotes offered by participating partners | |
Progressive | $3,183 | $265 | Compare Quotes | Compare quotes offered by participating partners | |
Geico | $3,231 | $269 | Compare Quotes | Compare quotes offered by participating partners | |
Main Street America | $3,248 | $271 | Compare Quotes | Compare quotes offered by participating partners | |
New York average | $5,005 | $417 | Compare Quotes | Compare quotes offered by participating partners |
New York car insurance costs vs. other states
Here’s how much full-coverage car insurance costs a good driver in New York compared to the rest of the country.
Car insurance requirements in New York
Drivers in New York state must carry a minimum level of car insurance, by law. To comply with state requirements, you must carry liability insurance with the following coverage amounts, at a minimum:
- $25,000 per person for bodily injuries and $50,000 per person in case of death.
- $50,000 for two or more people for bodily injury and $100,000 in case of death.
- $10,000 in property damage coverage per accident.
New York auto insurance laws also mandate that drivers carry:
- $25,000 in uninsured motorist bodily injury coverage per person and $50,000 per accident.
- $50,000 in personal injury protection (PIP), also known as “no-fault” coverage.
Even if you don’t intend to drive your vehicle for a certain period of time, you must maintain car insurance if the vehicle is registered in your name. There are some exceptions for motorcycles.
Factors used in determining New York car insurance rates
In New York, car insurance companies can use several factors to determine your car insurance rates, including:
- Make and model of the vehicle.
- Type of vehicle you’re insuring.
- Your age.
- Your car’s age.
- Your credit-based insurance score.
- Your gender.
- Your ZIP code.
Expert tip: In New York, insurers are prohibited from using your credit history to increase your rates at renewal or from canceling your coverage based solely on your credit score. If your insurer uses your credit history when quoting your rate, it must disclose this information.
How to find cheap car insurance in New York
Looking to save money on car insurance in New York? Here’s how to find the cheapest car insurance.
Shop around
It’s easy to stick with the same insurance company you’ve had for years, but you could be paying more than you need. Review your coverage and premium and then get and compare quotes from multiple insurers to see if cheap car insurance options are available.
When comparing car insurance quotes, keep coverage options and limits consistent to get an accurate picture of how much you can save.
Expert tip: You might qualify for a loyalty discount or vanishing deductible with your current insurer, which will disappear if you switch to a new insurance company. Before you leave, speak with your current insurer to see if any saving opportunities are available.
Ask about discounts
Insurance companies offer a wide range of discounts. Talk to your agent or visit your insurer’s website to see what discounts you might qualify for. These are some of the most common:
- Multi-policy: If you don’t already have your home and auto insurance through the same provider, ask about multi-policy, or home and auto bundling discounts. Doing so may save you money.
- Usage-based insurance: Many car insurance companies now offer usage-based insurance programs that monitor your driving habits (usually through a smartphone app) and adjust your rate based on how you drive. Remember that depending on the program, your rates may increase if you regularly engage in risky driving habits, such as accelerating fast, braking hard and driving at night.
- Paying in full: If you pay your entire annual premium up front instead of in installments, your insurance provider may offer you a lower rate.
- Defensive driving: Insurers frequently offer a discount if you take an approved driving course. This is particularly true for senior drivers who take defensive driving courses, with some states even requiring insurers to extend discounts to those who complete the course. Taking a course in defensive driving might lower your rate for several years.
Rethink your coverages
The amount and type of coverage you have will directly impact your car insurance rates, as will the deductible you choose. Adjusting your policy can reduce your rates.
- Drop unnecessary coverages. Your car insurance coverage needs will change over time. For instance, if you purchased gap insurance after financing a vehicle but have since paid off your loan, you can drop that coverage.
- Increase your deductible. Rather than reducing your coverage limits, consider raising your deductible to lower your car insurance premium. If you can afford to pay more out of pocket for a covered incident — say, $1,000 instead of $250 — you’ll enjoy significantly lower insurance payments.
Practice safe driving
Many insurance providers reward good driving with lower rates if, for instance:
- You continue to have claims-free policy periods.
- You proactively taking a defensive driving class.
- You demonstrate safe driving with an usage-based insurance program.
Methodology
Our team of insurance experts evaluated 14 New York car insurance companies to determine those that offer the best coverage based on average rates and consumer complaints. Based on the following factors, each insurer was eligible for up to 100 points.
- Cost: 60 points. Analysis of Quadrant Information Services rates for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage. We also analyzed average rates for various driver profiles and identified the best cheap insurer for each. Driver profiles include:
-
- Driver with an accident, speeding ticket or DUI on their record.
- Driver with a gap in coverage.
- Teen drivers added to a parent’s policy.
- High-risk driver.
- Customer complaints: 40 points. We looked at data from the National Association of Insurance Commissioners (NAIC), which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.
Best car insurance in New York FAQs
Progressive offers the cheapest car insurance in New York for good drivers, costing an average of $103 per month, or $1,231 per year. To find the cheapest and best car insurance in New York, compare car insurance quotes from multiple car insurance companies.
The average cost of basic car insurance in New York is $93 per month, or $1,114 per year.
In New York, you must carry liability insurance with the following coverage amounts, at a minimum:
- $25,000 per person for bodily injuries and $50,000 per person in case of death.
- $50,000 for two or more people for bodily injury and $100,000 in case of death.
- $10,000 in property damage coverage per accident.
You’re also required to have:
- $25,000 in uninsured motorist bodily injury coverage per person and $50,000 per accident.
- $50,000 in personal injury protection (PIP), also known as “no-fault” coverage.
The best car insurance in New York is Progressive, based on our analysis of rates and consumer complaints.
Main Street America also gets 5 stars in our rating of the best car insurance in New York. NYCM has 4.5 stars and USAA has 4 stars.
You can get cheaper car insurance in New York by comparing car insurance quotes from different companies. This will help ensure you’re getting the best deal for your coverage needs. You can also inquire about car insurance discounts that you may qualify for.
Yes, in New York, you can show electronic proof of insurance. You can use your digital insurance for the following:
- Acquiring registration at the DMV.
- Providing proof of insurance coverage at a traffic stop.
- Providing proof of insurance coverage to a judge/justice/magistrate in response to a summons.
Yes, New York is a no-fault state. For this reason, New York requires drivers to carry personal injury protection (PIP), which pays out for medical expenses if the driver, their passengers or a pedestrian are injured in an accident, regardless of who was at fault.
Car insurance in New York can be expensive based on where you live, your driving record, the type of car you drive and other factors. It costs an average of $216 per month, which is more expensive than the countrywide average of $172 per month. To lower your car insurance rates in New York, consider comparing car insurance quotes from multiple companies and checking out which car insurance discounts you qualify for.
The price of a speeding ticket in New York depends on how fast you’re driving over the limit and whether you have previous speeding violations.
Here’s how much you’ll pay for a speeding ticket in New York based on how fast you’re driving:
- Up to 10 mph over: $45 minimum, $150 maximum.
- Over 10 mph, but under 30 mph over: $90 minimum, $300 maximum.
- Over 30 mph: $180 minimum, $600 maximum.
- Inappropriate speed: $35 minimum, $150 maximum.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.