Who Has the Cheapest Auto Insurance Quotes in New York?
Find the Cheapest Auto Insurance Quotes in Your Area
We reviewed auto insurance rates in New York to provide local drivers with more information about insuring their vehicle in the state. Our survey found that the average cost of auto insurance in New York is $2,752 per year for our profile driver.
Additionally, we found that rates can differ significantly depending on the company and location. To get the lowest rates, drivers should compare quotes from at least three companies. Type your ZIP code into the box above to start shopping among the top providers near you, or read on to learn which companies feature the lowest premiums in your city.
Cheapest auto insurance in New York
GEICO is the cheapest insurance company in New York, based on our rate survey for a 30-year-old male profile driver. This company's car insurance premiums were $2,253 on average, which is $500 less than the statewide average. Additionally, New York Central Mutual Fire and Progressive also provided affordable insurance rates.
Find the Cheapest Auto Insurance Quotes in Your Area
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | GEICO | $2,253 |
| 2 | New York Central Mutual Fire | $2,531 |
| 3 | Progressive | $2,558 |
| 4 | State Farm | $2,762 |
| 5 | Travelers | $3,756 |
| 6 | Allstate | $3,811 |
| N/A* | USAA | $1,598 |
Cheapest for full coverage: GEICO
For cheap full-coverage insurance in New York, we recommend GEICO, which offered the lowest quote for our 30-year-old profile driver. This company's rates were 18% lower than the statewide average of $2,752, which translates to a savings of $42 per month.
- GEICO: $2,253 per year or $188 per month
- New York Central Mutual Fire: $2,531 per year or $211 per month
- Progressive: $2,558 per year or $213 per month
Auto insurance policies with full coverage includes liability insurance as well as comprehensive and collision coverage. This means you are covered for damage caused in an accident where you are at fault. Collision coverage pays for damage to your own vehicle.
Cheapest for minimum liability: GEICO
GEICO is the cheapest car insurance company for minimum liability, according to our survey of rates. Premiums from this company averaged $1,146 per year across the quotes we considered. This is 26% less than the average cost of minimum liability insurance in New York.
- GEICO: $1,146 per year or $96 per month
- New York Central Mutual Fire: $1,176 per year or $98 per month
- Progressive: $1,516 per year or $126 per month
Minimum liability car insurance policies have the cheapest premiums; however, they could end up costing you more in the long run if you need to file a claim. If you only carry the minimum state required coverages, then you may have to pay out of pocket for repairs or medical bills after an expensive accident.
Cheapest for drivers with an accident: GEICO
New York drivers who have recently been in an accident should choose GEICO to get the cheapest rates, according to our research. GEICO's rates are 18% less than the average cost of coverage after an accident in New York, which is $2,908 per year. Furthermore, choosing GEICO over the most expensive insurance company in the state for drivers that have been in an accident, Travelers, could save you $2,295 per year on car insurance.
- GEICO: $2,371 per year or $198 per month
- New York Central Mutual Fire: $2,531 per year or $211 per month
- Progressive: $2,558 per year or $213 per month
In New York, having an accident on your record could result in a premium increase of 6%. Insurers increase rates for drivers with accidents because they are statistically more likely to be in an accident and are therefore riskier to insure.
Best auto insurance companies in New York
The best insurer in New York is USAA, when considering its customer service and claim satisfaction ratings from our survey of current customers. However, if you're not eligible for USAA membership, then State Farm and Allstate are good choices as well. These companies also received high marks from policyholders.
| Overall rank* | Group | % of respondents overall extremely satisfied with most recent claim | % of respondents who rated customer service as "excellent" |
|---|---|---|---|
| 1 | USAA | 78% | 62% |
| 2 | State Farm | 73% | 46% |
| 3 | Allstate | 72% | 47% |
| 4 | Progressive | 74% | 34% |
| 5 | GEICO | 64% | 42% |
| 6 | Travelers | 19% | 33% |
| N/A | New York Central Mutual Fire | N/A | N/A |
Minimum requirements for auto insurance coverage in New York
New York requires drivers to have a minimum amount of liability coverage in their auto insurance policies.
- Bodily injury (BI): $25,000 per person and $50,000 per accident
- Property damage (PD): $10,000 per accident
- Basic personal injury protection (PIP): $50,000 per accident
- Uninsured motorist bodily injury (UMBI): $25,000 per person and $50,000 per accident
Even though these are the lowest coverage limits you can get, we'd recommend increasing the limits to match how much your assets are worth. Your insurer will only cover you up to the stated limits, which could leave you financially vulnerable after an expensive car accident.
Cheapest car insurance in New York by city
We researched quotes from seven companies across the state to find the cheapest car insurance companies in each city. Even drivers in New York City, Hempstead and Nassau County have options for affordable rates if they know where to look.
| City | Company | Annual premium |
|---|---|---|
| New York | GEICO | $3,485 |
| Progressive | $4,159 | |
| State Farm | $4,447 | |
| Buffalo | GEICO | $2,250 |
| NY Central Mutual Fire | $2,289 | |
| Progressive | $2,444 | |
| Rochester | NY Central Mutual Fire | $1,591 |
| GEICO | $1,619 | |
| Progressive | $1,964 | |
| Yonkers | NY Central Mutual Fire | $3,340 |
| GEICO | $3,565 | |
| Progressive | $3,803 | |
| Syracuse | NY Central Mutual Fire | $1,934 |
| GEICO | $1,963 | |
| Progressive | $2,185 | |
| Albany | NY Central Mutual Fire | $1,770 |
| GEICO | $1,840 | |
| State Farm | $1,896 | |
| New Rochelle | GEICO | $2,485 |
| NY Central Mutual Fire | $2,887 | |
| State Farm | $3,100 | |
| Mount Vernon | NY Central Mutual Fire | $3,340 |
| GEICO | $3,565 | |
| State Farm | $3,937 | |
| Schenectady | NY Central Mutual Fire | $1,568 |
| State Farm | $1,896 | |
| GEICO | $1,922 | |
| Utica | NY Central Mutual Fire | $1,820 |
| GEICO | $2,075 | |
| State Farm | $2,110 | |
| White Plains | GEICO | $2,465 |
| NY Central Mutual Fire | $2,802 | |
| State Farm | $2,995 | |
| Hempstead | NY Central Mutual Fire | $4,129 |
| GEICO | $4,569 | |
| State Farm | $5,643 | |
| Troy | State Farm | $1,750 |
| GEICO | $1,815 | |
| Progressive | $1,981 | |
| Niagara Falls | NY Central Mutual Fire | $1,932 |
| GEICO | $2,152 | |
| Progressive | $2,231 | |
| Binghamton | NY Central Mutual Fire | $1,384 |
| Progressive | $1,778 | |
| State Farm | $1,805 | |
| Freeport | GEICO | $3,879 |
| NY Central Mutual Fire | $4,129 | |
| Progressive | $4,944 | |
| South Valley Stream | GEICO | $3,879 |
| NY Central Mutual Fire | $4,129 | |
| Progressive | $5,000 | |
| Rome | GEICO | $1,691 |
| Progressive | $1,845 | |
| NY Central Mutual Fire | $1,858 | |
| Ithaca | NY Central Mutual Fire | $1,592 |
| Progressive | $1,734 | |
| GEICO | $1,774 | |
| Poughkeepsie | NY Central Mutual Fire | $2,081 |
| GEICO | $2,242 | |
| Progressive | $2,336 | |
| North Tonawanda | GEICO | $1,771 |
| NY Central Mutual Fire | $1,932 | |
| Progressive | $1,981 | |
| Port Chester | GEICO | $2,485 |
| NY Central Mutual Fire | $2,887 | |
| State Farm | $2,985 | |
| Saratoga Springs | GEICO | $1,787 |
| State Farm | $1,796 | |
| NY Central Mutual Fire | $1,799 | |
| Harrison | GEICO | $2,485 |
| NY Central Mutual Fire | $2,887 | |
| State Farm | $3,004 | |
| Middletown | NY Central Mutual Fire | $2,494 |
| GEICO | $2,556 | |
| Progressive | $2,922 | |
| Elmira | NY Central Mutual Fire | $1,370 |
| Progressive | $1,550 | |
| GEICO | $1,633 | |
| Glen Cove | GEICO | $2,944 |
| NY Central Mutual Fire | $3,063 | |
| State Farm | $3,814 | |
| Auburn | NY Central Mutual Fire | $1,513 |
| GEICO | $1,733 | |
| Progressive | $1,776 | |
| Kiryas Joel | NY Central Mutual Fire | $2,494 |
| GEICO | $2,556 | |
| State Farm | $3,006 | |
| Watertown | NY Central Mutual Fire | $1,549 |
| Progressive | $1,676 | |
| GEICO | $1,719 | |
| Ossining | GEICO | $2,323 |
| NY Central Mutual Fire | $2,634 | |
| State Farm | $2,870 | |
| Peekskill | GEICO | $2,323 |
| NY Central Mutual Fire | $2,634 | |
| State Farm | $2,769 | |
| Garden City | GEICO | $3,157 |
| State Farm | $4,101 | |
| NY Central Mutual Fire | $4,129 | |
| Lockport | NY Central Mutual Fire | $1,758 |
| GEICO | $1,784 | |
| Progressive | $2,090 | |
| Plattsburgh | Progressive | $1,531 |
| GEICO | $1,631 | |
| NY Central Mutual Fire | $1,666 | |
| Mineola | NY Central Mutual Fire | $3,097 |
| GEICO | $3,157 | |
| State Farm | $3,955 | |
| Mamaroneck | GEICO | $2,485 |
| NY Central Mutual Fire | $2,887 | |
| State Farm | $2,981 | |
| Cortland | NY Central Mutual Fire | $1,592 |
| Progressive | $1,707 | |
| GEICO | $1,774 | |
| Amsterdam | NY Central Mutual Fire | $1,697 |
| GEICO | $1,745 | |
| Progressive | $1,776 | |
| Oswego | NY Central Mutual Fire | $1,514 |
| Progressive | $1,726 | |
| GEICO | $1,730 | |
| Cohoes | NY Central Mutual Fire | $1,770 |
| Progressive | $1,821 | |
| GEICO | $1,840 | |
| Floral Park | GEICO | $3,594 |
| NY Central Mutual Fire | $4,487 | |
| Progressive | $4,699 | |
| Gloversville | NY Central Mutual Fire | $1,668 |
| GEICO | $1,745 | |
| Progressive | $1,790 | |
| Tonawanda | GEICO | $1,753 |
| NY Central Mutual Fire | $1,868 | |
| Progressive | $1,981 | |
| Beacon | GEICO | $2,195 |
| NY Central Mutual Fire | $2,346 | |
| Progressive | $2,578 | |
| Batavia | NY Central Mutual Fire | $1,574 |
| GEICO | $1,667 | |
| Progressive | $1,920 | |
| Glens Falls | NY Central Mutual Fire | $1,357 |
| State Farm | $1,748 | |
| GEICO | $1,793 | |
| Johnson City | NY Central Mutual Fire | $1,384 |
| Progressive | $1,641 | |
| State Farm | $1,803 | |
| Oneonta | NY Central Mutual Fire | $1,679 |
| Progressive | $1,850 | |
| GEICO | $2,024 | |
| Olean | Progressive | $1,581 |
| GEICO | $1,589 | |
| NY Central Mutual Fire | $1,725 |
Auto insurance in Manhattan, New York
Car owners living in Manhattan can expect to pay $4,499 per year for auto insurance, according to our research. This translates to $375 per month, which is 63% greater than the New York state average.
Since car insurance is so expensive in Manhattan, drivers in this city should consider purchasing a policy from GEICO, Progressive or State Farm. Rate quotes from these companies were 25% cheaper, on average, than the borough mean.
Auto insurance in Brooklyn, New York
Car insurance in Brooklyn costs $6,641 per year for full coverage, according to our research, making it the most expensive borough in New York City for car insurance. Compared to the average rate in New York City, which is $5,377, Brooklyn drivers pay 24% more to insure their cars.
Auto insurance in Queens, New York
Drivers living in Queens pay $5,270 per year for car insurance, according to the quotes we gathered for our 30-year-old profile driver. This is slightly less than the cost of car insurance in the Big Apple but 91% more expensive than the average cost of auto coverage in New York state.
To save on insurance costs, Queens drivers should get quotes from the three cheapest insurers in the borough: GEICO, NY Central Mutual Fire or Progressive. Choosing one of these could help you save 13% on insurance premiums compared to the Queens average.
Auto insurance in the Bronx, New York
Auto insurance in the Bronx costs an average of $5,721 per year for a full-coverage policy. This is $345 more per year than the average auto insurance rate for New York City, which is $5,377.
The most affordable insurers in the Bronx are GEICO, Progressive and State Farm. Insurance costs from these three insurers for a full-coverage policy are 12% cheaper than the borough average.
Auto insurance in Staten Island, New York
Our study revealed that auto insurance rates in Staten Island are 61% lower than the New York state average and 17% lower than the New York City average. For a full-coverage auto insurance policy for our profile driver, we found that Staten Island residents can expect to pay $4,437 per year. Staten Island drivers looking for the cheapest rates should consider GEICO, Progressive and NY Central Mutual Fire. Rates from these companies averaged 10% less than the New York City mean.
Average car insurance cost in New York by city
We found that car insurance rates in New York can vary by as much as $4,849 per year, depending on where you live in the state. Typically, auto coverage costs are greater in large cities, where accidents and auto theft are more common.
| Rank | City | Average annual insurance rate |
|---|---|---|
| 1 | Elmira | $1,792 |
| 2 | Plattsburgh | $1,848 |
| 3 | Watertown | $1,863 |
| 4 | Johnson City | $1,875 |
| 5 | Binghamton | $1,905 |
| 6 | Glens Falls | $1,911 |
| 7 | Olean | $1,932 |
| 8 | Auburn | $1,946 |
| 9 | Cortland | $1,949 |
| 10 | Oswego | $1,950 |
| 11 | Batavia | $1,969 |
| 12 | Ithaca | $1,978 |
| 13 | Saratoga Springs | $1,984 |
| 14 | Gloversville | $2,014 |
| 15 | Amsterdam | $2,020 |
| 16 | Cohoes | $2,020 |
| 17 | Rome | $2,055 |
| 18 | Troy | $2,066 |
| 19 | Oneonta | $2,074 |
| 20 | Schenectady | $2,090 |
| 21 | Rochester | $2,116 |
| 22 | Albany | $2,154 |
| 23 | Utica | $2,164 |
| 24 | Lockport | $2,177 |
| 25 | North Tonawanda | $2,253 |
| 26 | Syracuse | $2,256 |
| 27 | Tonawanda | $2,264 |
| 28 | Niagara Falls | $2,332 |
| 29 | Poughkeepsie | $2,653 |
| 30 | Beacon | $2,703 |
| 31 | Buffalo | $2,794 |
| 32 | Peekskill | $2,953 |
| 33 | Ossining | $2,964 |
| 34 | Port Chester | $3,073 |
| 35 | Middletown | $3,076 |
| 36 | Harrison | $3,083 |
| 37 | Kiryas Joel | $3,086 |
| 38 | White Plains | $3,105 |
| 39 | Mamaroneck | $3,115 |
| 40 | New Rochelle | $3,279 |
| 41 | Yonkers | $3,779 |
| 42 | Glen Cove | $3,817 |
| 43 | Mineola | $3,949 |
| 44 | Mount Vernon | $4,222 |
| 45 | Garden City | $4,353 |
| 46 | Staten Island | $4,437 |
| 47 | Manhattan | $4,499 |
| 48 | Floral Park | $4,668 |
| 49 | Freeport | $4,756 |
| 50 | South Valley Stream | $4,892 |
| 51 | Queens | $5,270 |
| 52 | Hempstead | $5,409 |
| 53 | The Bronx | $5,721 |
| 54 | Brooklyn | $6,641 |
Methodology
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different. The quotes we obtained were for a 2015 Honda Civic EX owned by our sample driver, who drives 12,000 miles a year.
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.