Cheapest New York Car Insurance Quotes (2026)
Progressive has the cheapest car insurance in New York state, at $127/mo for full coverage.
Find Cheap Car Insurance Quotes in New York
Best cheap auto insurance in NY
Progressive and NYCM are the cheapest companies for most people in New York.
- Want full coverage? Progressive: $127/mo
- Only need minimum coverage? NYCM: $44/mo
- Want the best service? NYCM: $157/mo
- Have a speeding ticket? Progressive: $130/mo
- Caused an accident? Progressive: $137/mo
- Need coverage for a teen? NYCM: $80/mo
- Got a DUI? Progressive: $132/mo
- Have poor credit? Nationwide: $215/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest car insurance rates in New York: Progressive and NYCM
Progressive and NYCM have the cheapest full coverage car insurance in New York.
- Progressive has the cheapest full coverage quotes for most people in New York, at $127 per month.
- NYCM is the best choice for many people because its customer service reviews are much better than Progressive's. NYCM costs an average of $30 more per month, though, and its rates are expensive in NYC.
- USAA also has very affordable rates for drivers that qualify. Its average price for full coverage is $162 per month.
Find Cheap Car Insurance Quotes in New York
Cheapest full coverage NY car insurance quotes
Company | Monthly rate |
|---|---|
| Progressive | $127 |
| NYCM | $157 |
| Erie | $213 |
| Nationwide | $215 |
| USAA* | $162 |
*USAA is only available to current and former military members and their families.
Data-powered research on New York car insurance
Cheapest liability auto insurance in New York: NYCM
NYCM offers the cheapest minimum liability car insurance in New York state. NYCM's average rate of $44 per month is less than half the average rate statewide.
Best cheap liability insurance in NY
Company | Monthly rate |
|---|---|
| NYCM | $44 |
| Progressive | $67 |
| Nationwide | $89 |
| Geico | $97 |
| USAA* | $71 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in New York
Average cost of auto insurance in New York by city
- Progressive has the cheapest full coverage insurance in around two-thirds of cities and towns across New York, including New York City and Buffalo. NYCM has the most affordable rates in the remaining third of New York cities, including Syracuse.
- Drivers in Brooklyn have the most expensive auto insurance quotes in New York state, at $567 per month for full coverage.
- Coopers Plains, a town near Corning in the Southern Tier, is the cheapest city for car insurance. Drivers in Coopers Plains pay an average of $158 per month for full coverage insurance.
Find Cheap Car Insurance Quotes in New York
NY auto insurance quotes by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| New York City | $439 | Progressive | $209 |
| Buffalo | $255 | Progressive | $114 |
| Yonkers | $323 | Progressive | $173 |
| Rochester | $184 | Progressive | $98 |
| Syracuse | $190 | NYCM | $103 |
| Albany | $182 | Progressive | $102 |
| New Rochelle | $276 | NYCM | $147 |
| Mount Vernon | $374 | Progressive | $182 |
| Schenectady | $179 | Progressive | $101 |
| Utica | $184 | NYCM | $93 |
| White Plains | $264 | NYCM | $149 |
| Troy | $180 | Progressive | $100 |
| Niagara Falls | $206 | Progressive | $106 |
| Binghamton | $171 | Progressive | $93 |
| Long Beach | $393 | Progressive | $193 |
| Ithaca | $179 | Progressive | $94 |
| Poughkeepsie | $239 | Progressive | $115 |
| Rome | $184 | Progressive | $97 |
| Middletown | $270 | Progressive | $137 |
| North Tonawanda | $200 | Progressive | $97 |
| Saratoga Springs | $170 | NYCM | $92 |
| Newburgh | $260 | NYCM | $132 |
| Jamestown | $181 | Progressive | $88 |
| Glen Cove | $325 | NYCM | $175 |
| Elmira | $162 | NYCM | $80 |
| Auburn | $174 | Progressive | $94 |
| Peekskill | $256 | Progressive | $158 |
| Watertown | $164 | Progressive | $90 |
| Kingston | $226 | Progressive | $112 |
| Lockport | $195 | Progressive | $103 |
| Accord | $231 | Progressive | $118 |
| Acra | $219 | Progressive | $116 |
| Adams | $167 | Progressive | $90 |
| Adams Basin | $171 | Progressive | $96 |
| Adams Center | $165 | Progressive | $90 |
| Addison | $177 | Progressive | $96 |
| Adirondack | $167 | NYCM | $81 |
| Afton | $185 | NYCM | $92 |
| Airmont | $292 | Progressive | $181 |
| Akron | $201 | Progressive | $107 |
| Albertson | $348 | NYCM | $190 |
| Albion | $186 | NYCM | $93 |
| Alcove | $188 | NYCM | $111 |
| Alden | $201 | Progressive | $99 |
| Alder Creek | $186 | Progressive | $101 |
| Alexander | $187 | NYCM | $94 |
| Alexandria Bay | $165 | Progressive | $92 |
| Alfred | $178 | NYCM | $91 |
| Alfred Station | $178 | NYCM | $91 |
| Allegany | $176 | Progressive | $90 |
| Allentown | $180 | Progressive | $95 |
| Alma | $179 | NYCM | $100 |
Cheapest auto insurance rates in New York City
Progressive has the cheapest car insurance quotes in NYC.
At $218 per month, a full coverage policy from Progressive costs about half the citywide average.
NYC auto insurance quotes by company
Company | Monthly rate |
|---|---|
| Progressive | $218 |
| Geico | $372 |
| Nationwide | $403 |
| Erie | $421 |
| USAA* | $304 |
*USAA is only available to current and former military members and their families.
Average cost of car insurance in NYC
The average cost of auto insurance in NYC is $435 per month for full coverage.
That's nearly twice as expensive as the New York state average. Brooklyn is the most expensive borough for car insurance, at $549 per month.
Cost of car insurance in NYC
Monthly rate | |
|---|---|
| NYC average | $435 |
| Bronx | $473 |
| Brooklyn | $549 |
| Manhattan | $347 |
| Queens | $436 |
| Staten Island | $359 |
More New York cities
Best car insurance in New York: NYCM
-
Full coverage rate$157/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
-
Customer serviceBestCustomer service rating is from the J.D. Power customer satisfaction survey.
-
AM Best ratingAAn A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in New York based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in New York
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheapest insurance in NY after a speeding ticket: Progressive
- Progressive has the cheapest quotes for New Yorkers with a speeding ticket. A full coverage policy from Progressive costs $130 per month. That's only $3 more per month than drivers with a clean record pay for coverage from Progressive and about half the New York state average.
- NYCM is also an excellent choice for drivers with a recent ticket. At $157 per month, a full coverage policy from NYCM is 38% cheaper than the state average. And NYCM offers much better customer service than Progressive.
Best NY auto insurance quotes after a ticket
Company | Monthly rate |
|---|---|
| Progressive | $130 |
| NYCM | $157 |
| Erie | $213 |
| Nationwide | $215 |
| USAA* | $182 |
*USAA is only available to current and former military members and their families.
Car insurance rates go up by an average of 11% after a single speeding ticket in New York. That's an average increase of $25 per month for a full coverage policy.
Cheapest NY car insurance after an accident: Progressive
Progressive has the most affordable car insurance for New York drivers with an accident on their record. The cost of full coverage auto insurance from Progressive is $137 per month after a crash. That's less than half the average cost of coverage after an accident in New York, which is $285 per month.
Company | Monthly rate |
|---|---|
| Progressive | $137 |
| NYCM | $190 |
| Nationwide | $284 |
| Travelers | $316 |
| USAA* | $162 |
*USAA is only available to current and former military members and their families.
Car insurance rates in New York go up by an average of 26% after an at-fault accident. That's around $59 more per month than drivers with a clean record pay for full coverage.
Don't rush to switch insurance companies right after your accident. Your insurance rates won't go up until your current policy renews. So, your quotes will probably be higher than what you're currently paying.
Instead, wait until your current company sends info on your policy renewal. This should include your new insurance rate. Then, compare quotes from multiple companies to see which one offers you the best post-accident quotes.
Cheapest car insurance in NY for young drivers: NYCM
NYCM has the best quotes for New York teens.
- A minimum liability policy from NYCM costs just $80 per month for an 18-year-old driver in New York. That's about one-quarter of the average cost in New York.
- Full coverage car insurance from NYCM costs $276 per month for teen drivers, which is less than half the average price across all companies.
Best cheap car insurance in NY for teens
Company | Liability only | Full coverage |
|---|---|---|
| NYCM | $80 | $276 |
| Progressive | $160 | $323 |
| Erie | $208 | $421 |
| Nationwide | $262 | $634 |
| USAA* | $297 | $627 |
*USAA is only available to current and former military members and their families.
The average cost of minimum liability car insurance for 18-year-old drivers in New York is $297 per month. That's close to three times as much as what a 30-year-old driver typically pays.
Teen drivers typically pay much more for car insurance because insurance companies see them as more likely to cause a future accident. Teens have less experience driving and are more likely to take risks behind the wheel.
Young drivers can save a lot of money by sharing a policy with their parents or an older relative.
Cheapest quotes for teens with a ticket or accident: NYCM
NYCM has the cheapest quotes for teens with a bad driving record.
- Speeding ticket: Teens with a single speeding ticket pay around $80 per month for a minimum liability policy from NYCM. That's around one-quarter of the state average.
- Accident: A minimum liability policy from NYCM costs $118 per month for an 18-year-old driver with an at-fault accident on their record. Coverage from NYCM is $238 less per month than the New York average for these drivers.
Affordable car insurance in NY for teens with a bad record
Company | Ticket | Accident |
|---|---|---|
| NYCM | $80 | $118 |
| Progressive | $160 | $160 |
| Erie | $208 | $332 |
| Nationwide | $262 | $296 |
| USAA* | $297 | $297 |
*USAA is only available to current and former military members and their families.
The average price of minimum liability coverage for an 18-year-old with a speeding ticket is $329 per month. The average price after a crash is $356 per month. Those are 11% and 20% more than for a typical teen driver, respectively.
Best cheap car insurance in NY after a DUI: Progressive
Progressive has the most affordable quotes in New York after a DUI. The company's average price is just $132 per month for full coverage. That's one-third the average rate overall.
Company | Monthly rate |
|---|---|
| Progressive | $132 |
| NYCM | $232 |
| Travelers | $311 |
| Erie | $327 |
| USAA* | $230 |
*USAA is only available to current and former military members and their families.
Drivers with DUIs pay $168 more per month for full coverage car insurance in New York than people with clean driving records. That's because insurance companies believe drivers with a DUI are more likely to cause an accident in the future.
You may have trouble finding a company that will sell you insurance after a DUI, accident or multiple tickets.
If multiple companies have turned you down, you may need to consider getting a policy through the New York Automobile Insurance Plan (NYAIP).
Most independent insurance agents and brokers in New York can help you get coverage through the NYAIP. They can also help you compare quotes from companies that specialize in insurance for high-risk drivers.
Cheapest NY car insurance for drivers with poor credit: Nationwide
Nationwide has the most inexpensive car insurance in NY for drivers with a poor credit score, at $215 per month for full coverage. That's less than half the New York average. It's also $97 less per month than the second-cheapest company, Geico.
Cheap auto insurance quotes in NY for bad credit
Company | Monthly rate |
|---|---|
| Nationwide | $215 |
| Geico | $312 |
| NYCM | $375 |
| Chubb | $375 |
| USAA* | $310 |
*USAA is only available to current and former military members and their families.
Drivers in New York with bad credit pay $475 per month for full coverage, on average. That's $249 more per month than a driver with good credit. Insurance companies charge drivers with poor credit more for car insurance because they believe those drivers are more likely to file a future claim.
Is your car insurance company raising rates in New York in 2026?
A few major auto insurance companies in New York have raised their rates in 2026.
- ↑ Biggest increase: NYCM at +4.3%
- ↑ 2nd biggest increase: Liberty Mutual at +3.1%
- ↑ 3rd biggest increase: Travelers at +2.2%
Data updated: July 28, 2026. Learn about this data.
Company | 2026 rate change | 5 yr rate change |
|---|---|---|
| NYCM | ↑ 4.3% | ↑ 55% |
| Liberty Mutual | ↑ 3.1% | ↑ 75% |
| Travelers | ↑ 2.2% | ↑ 49% |
| Progressive | ↑ 0.6% | ↑ 38% |
| State Farm | 0.0% | ↑ 85% |
| Allstate | 0.0% | ↑ 62% |
| Erie | 0.0% | ↑ 50% |
| Farmers | 0.0% | ↑ 46% |
| USAA | 0.0% | ↑ 35% |
| Geico | 0.0% | ↑ 34% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What to do if your rates went up in New York
If your insurance company is raising rates in New York, there are a few things you can do to make your insurance bill more affordable.
-
Compare rates from the cheapest companies in New York, including Progressive, NYCM and Erie.
There's a difference of $220 per month between the most and least expensive companies for full coverage insurance in NY. So shopping around for the cheapest rate could save you more than $2,500 per year.
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Choose a company that offers lots of discounts tailored to you. Most insurance companies have discounts for bundling your home or renters insurance, which can result in big savings.
But some companies also offer more uncommon discounts. For example, NYCM offers discounts for seniors and people who drive a brand-new car. And young drivers who still live at home can save money with Erie's youthful driver discount.
- Consider a safe driving program. These programs track your driving habits using a mobile app or device that you plug into your vehicle. Good habits like driving under the speed limit and staying off your phone could earn you a sizeable discount.
What is the minimum auto insurance coverage in New York?
New York requires drivers to have a minimum amount of bodily injury and property damage liability coverage, sometimes written as 25/50/10. In addition, drivers in New York must have uninsured motorist bodily injury coverage and personal injury protection.
- Bodily injury liability (BI): $25,000 per person and $50,000 per accident, plus double for death
- Property damage liability (PD): $10,000 per accident
- Uninsured motorist bodily injury (UMBI): $25,000 per person and $50,000 per accident, plus double for death
- Personal injury protection (PIP): $50,000 per accident
New York is a no-fault state, and personal injury protection is a mandatory form of auto insurance for all drivers. The minimum amount of PIP you can purchase in New York is $50,000.
New York PIP insurance covers medical costs, loss of income, certain day-to-day expenses and death benefits. Benefits may include:
- Medical expenses, such as ambulatory services, ER and hospital bills, surgery and rehab
- Lost wages of up to $2,000 per month or 80% of your monthly earnings for up to three years after the accident
- $25 per day to take care of routine activities you can no longer do, such as laundry and home maintenance
- $2,000 to help pay for funeral and burial costs after a fatal accident
In New York, drivers are limited to suing for quantifiable economic losses following a car accident, so you wouldn't be able to sue for pain and suffering (referred to as noneconomic loss) unless it's the result of what the law considers a “serious injury.” In that case, if someone else caused the accident, you may be able to sue.
Here is the list of what may be defined as a serious injury under New York's no-fault law:
- Significant injury, such as a fracture (complete or partial break of a bone) or an injury that will prevent you from doing your daily activities. A doctor will need to determine whether it will take you more than 90 days to recover.
- Significant disfigurement
- Permanent injury, such as a permanent limitation in the use of an organ or other parts of your body.
- Significant/permanent disability, such as permanent loss or significant limitation in the use of a body part, organ, function or system.
- Loss of a fetus
- Death
When you register your car with the New York Department of Motor Vehicles (DMV), you will need to present a valid New York state insurance ID card. This will be matched to the digital record on file. If you're pulled over on the road, you can show a paper or electronic version of your insurance card to prove coverage.
In New York state, driving without auto insurance can range from a traffic infraction to a misdemeanor offense. The state may fine you up to $1,500 (with a minimum of $150), suspend your driving privileges, charge an additional fee of $750 to restore a revoked license, impound your vehicle or even require you to serve jail time.
Potential fines and penalties for driving without insurance in New YorkIf your insurance lapses:
-
Fine: Civil penalty fee up to $900
- 1-30 days: $8 per day, up to $240
- 31-60 days: $10 per day, up to $300
- 61-90 days: $12 per day, up to $360
- Driving privileges: Your registration could be suspended if you fail to pay the civil penalty
If you're pulled over or are in an accident and don't have insurance:
- Fine: $150-$1,500 and an additional civil penalty fee of $750 if your license is revoked
- Imprisonment: Up to 15 days in jail
- Driving privileges: Your license and registration could be revoked, and your vehicle could be impounded
Supplemental spousal liability insurance NY
All auto insurance policies for married drivers in New York automatically include a new coverage called supplemental spousal liability insurance (SSLI), as of August 2023.
This coverage allows you to make a claim against your spouse's insurance if you're hurt in an accident while they're driving.
Your supplemental spousal liability insurance limit is typically the same as your bodily injury liability limit. However, you can only use this coverage once you've used all of your personal injury protection (PIP) coverage.
You can decline supplemental spousal liability insurance by contacting your insurance company and filling out a form stating you're turning down this coverage.
Supplemental spousal liability insurance costs an average of $22 per year.
However, the cost varies by company. For example, Allstate doesn't charge extra for this coverage. But Geico customers pay an additional $73 per year for the coverage, on average.
Average cost of supplemental spousal liability insurance
Company | Annual cost |
|---|---|
| Allstate | $0 |
| Progressive | $2 |
| Erie | $6 |
| USAA | $14 |
| State Farm | $23 |
| Geico | $73 |
What's the best car insurance coverage to get in New York?
Most New York drivers should get full coverage car insurance, which includes comprehensive and collision coverage.
If you have a car loan or lease, your lender typically requires you to have these coverages. That's because they pay for damage to your car in many situations, regardless of whose fault it is. You should also consider adding comprehensive and collision coverage if your car is less than 8 years old or worth more than $5,000.
In addition, full coverage policies typically have higher liability limits than the state requirement. Higher liability limits are a good idea because New York's required limits may not be high enough to pay for a serious accident.
For example, New York only requires $10,000 of property damage liability insurance. If you crash into a Tesla and the other car is totaled, $10,000 won't be enough to fully replace the other driver's car.
Frequently asked questions
How much are car insurance rates in New York?
The average cost of auto insurance in New York state is $226 per month for a full coverage policy. That's $14 more per month than the national average. This is partially because of the heavy traffic in highly populated areas like New York City and Long Island, which means a greater risk of accidents.
How much is car insurance in NYC?
Full coverage NYC car insurance costs around $435 per month, but the cost varies by borough. Manhattan is the cheapest, at $347 per month, while Brooklyn is the most expensive, at $549 per month. Progressive has the cheapest car insurance for drivers in NYC.
What is the cheapest car insurance in NY?
In 2026, Progressive has the cheapest full coverage quotes in New York, at $127 per month. That's 44% less than the statewide average. NYCM has the cheapest minimum coverage insurance in NY, at just $44 per month.
Why is car insurance so expensive in New York?
New York is the fourth-most expensive state for minimum coverage insurance, and the 11th most expensive for full coverage. This is in part because New York is a no-fault state, which means drivers need to have personal injury protection. This coverage can be expensive. In addition, many areas in New York have heavy traffic congestion, which can lead to more accidents.
Methodology
To find the best cheap auto insurance in New York state, ValuePenguin collected quotes from the largest NY auto insurance companies across all ZIP codes in the state. Quotes are for a 30-year-old man with good credit who owns a 2018 Honda Civic EX.
Rates are for a full coverage policy with comprehensive and collision coverage, along with higher liability limits than required for New York drivers. Rates don't include supplemental spousal liability coverage.
- $50,000 of bodily injury liability coverage per person and $100,000 per accident
- $50,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person and $100,000 per accident
- $50,000 of personal injury protection
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the New York State Department of Financial Services. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
