Best cheap car insurance companies in New York
To help you find the best cheap car insurance in New York state, ValuePenguin's editors compared rates from the top insurance companies in the state. We gathered quotes in every ZIP code in New York for both minimum-coverage policies that meet the state's requirements and full-coverage policies.
Our experts ranked the best car insurance companies in New York based on coverage availability, customer service and convenience, and rated the top companies based on costs for different drivers.
Cheapest company for full-coverage quotes in NY: Progressive
Progressive is the cheapest car insurance company in New York for full-coverage insurance. A full-coverage policy from Progressive costs $94 per month, which is 45% cheaper than average.
The average cost of full-coverage auto insurance in New York is $169 per month, or $2,030 per year.
Find cheap auto insurance quotes in New York
Auto insurance policies with full coverage include more than the minimum liability insurance limits, as well as comprehensive and collision coverage.
Collision coverage pays for damage to your own car after an accident, regardless of who caused the accident. Comprehensive coverage protects your car against damage due to things outside of your control, like a fallen tree branch or vandalism.
Cheapest auto insurance in New York: Progressive
Progressive offers the cheapest car insurance quotes in New York for minimum coverage. Its average rate of $52 per month is 41% lower than the average rate statewide.
The average cost of car insurance in New York is $88 per month, or $1,059 per year, for minimum liability insurance.
Drivers in New York can also find cheap car insurance from Erie, where a minimum-coverage policy costs $72 per month. Although it's more expensive than Progressive, coverage from Erie is still 18% cheaper than average in New York. Erie also has top-rated service, with industry-leading customer satisfaction.
Cheapest NY car insurance companies
Minimum-liability car insurance is the cheapest way to drive legally in New York state, but it could end up costing you more in the long run. If you're in a bad car accident, minimum coverage may not be enough to pay for all of the damage.
Plus, minimum coverage does not cover any damage to your car if you cause an accident. If you want your car insurance company to pay to repair your car, you'll need a full-coverage policy.
Cheapest car insurance quotes for young drivers in New York: Progressive
Progressive has the best minimum- and full-coverage quotes for 18-year-old drivers in New York.
At $168 per month, a minimum-coverage policy for a young driver from Progressive is 38% cheaper than the state average. Full-coverage car insurance from Progressive costs $281 per month, which is 46% cheaper than average.
Cheapest NY car insurance companies for teens
The average cost of minimum-coverage car insurance for 18-year-old drivers in New York is $273 per month. That's about three times as expensive as the cost for 30-year-old drivers.
Teen drivers typically pay much more for car insurance. Insurance companies see them as more likely to cause accidents because of their lack of driving experience and tendency 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.
Find Cheap Auto Insurance Quotes in New York
Cheapest car insurance quotes in NY after a speeding ticket: Progressive
Progressive has the cheapest quotes for drivers in New York who have been caught speeding. A full-coverage policy from Progressive costs $97 per month. That's less than half as much as most drivers in New York pay for coverage after a ticket.
New York drivers with a single speeding ticket can expect their rates to go up by 18%, on average.
Cheapest for New York drivers after an accident: Erie
Erie has the best car insurance rates for New York drivers who have recently been in an accident. The cost of full-coverage auto insurance from Erie is $140 per month after a crash. That's 38% cheaper than the average cost of coverage after an accident in New York, which is $225 per month.
New Yorkers see a 33% increase, on average, in the cost of car insurance after an accident. However, it's important to compare quotes after an accident because some companies raise rates more than others. For example, Erie often doesn't increase insurance rates after an accident, while drivers insured with Geico can expect an 80% increase.
Cheapest quotes for young drivers with a ticket or accident: Progressive
Progressive has the cheapest quotes for young drivers in New York with one speeding ticket or at-fault accident on their record. It's the only company that offers rates under $200 per month for either group.
Progressive charges $168 per month after one speeding ticket, and $191 per month after a crash, both for state-minimum coverage.
The average price for an 18-year-old after getting a ticket is $314, while the average price after a crash is $336. Those are increases of 15% and 23%, respectively, compared to a typical teen driver.
Cheapest car insurance for drivers with a DUI: Progressive
Progressive has the best rates in New York after a DUI. Its average price is just $98 per month for full coverage. That's 70% cheaper than the average rate overall.
Drivers with DUIs pay 92% more for car insurance in New York than people with clean driving records. That's a difference of $156 per month, on average.
Cheapest car insurance quotes in NY for drivers with poor credit: Geico
Geico offers the best quotes for drivers in New York with poor credit, averaging $262 per month for full coverage. Geico's rates are $156 per month cheaper than average, and the company only increases rates by 42% if your credit drops from "good" to "poor."
Lowest NY car insurance with bad credit
Drivers in New York with bad credit pay $418 per month for full coverage, on average. That's an average increase of 147% compared to a driver with good credit.
Best car insurance in NY
The best insurance company in New York is Erie. It has excellent customer service, good coverage options and affordable quotes.
State Farm is also highly rated, but it charges more than other car insurance companies in NY.
Eligible drivers in New York can also find great support at USAA. However, USAA only sells car insurance to military members, veterans and their families, so it's not an option for most people.
Best NY car insurance companies
Consider customer service reviews when shopping for car insurance.
A company with reliable customer service can make your life easier after an accident by guiding you through the claims process and sending you a settlement check quickly.
On the other hand, a company with poor customer service can take longer to process your claim, and you may have to pay more money out of pocket after an accident.
Average car insurance cost in New York by city
The most expensive place for auto insurance in New York is St. Albans, a neighborhood in southeastern Queens, where insurance costs $375 per month.
Plattsburgh, a small town in northeastern New York, is the cheapest city for car insurance, with an average rate of $114 per month for full coverage.
Full-coverage car insurance quotes in New York state can vary by as much as $261 per month, depending on where you live. Typically, auto insurance is more expensive in large cities, where accidents and car theft are more common.
Average cost of car insurance by city
% from average
Minimum requirements for auto insurance quotes in New York
New York requires drivers to have a minimum amount of bodily injury and property damage liability coverage in their auto insurance policies, 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|
Even though these are the lowest coverage limits you can get, you should strongly consider buying more car insurance if you can afford it.
The minimum limits may not be high enough to cover the cost of a serious car accident. In that case, you would have to pay for damage out of pocket. In addition, minimum-coverage insurance doesn't cover repairs to your car if you're responsible for an accident, or if something happens besides a crash (like hail or fire).
Frequently asked questions
Who has the cheapest car insurance in New York?
Progressive has the cheapest car quotes in New York, charging $52 per month for a minimum-coverage policy. It also has the best price for full coverage, at $94 per month.
How much does car insurance cost in New York?
The average cost of minimum-coverage car insurance in New York is $88 per month. A full-coverage policy costs $169 per month for New Yorkers, on average.
What city in NY has the cheapest car insurance?
Plattsburgh, a small city on Lake Champlain, is the cheapest place in the state for car insurance. Its residents pay an average price of $114 per month for full coverage.
How much does car insurance in NYC cost?
On average, full-coverage car insurance in NYC costs around $305 per month, but the cost varies by borough. Manhattan is the cheapest, at $264 per month, while Brooklyn is the most expensive, at $382. Progressive has the cheapest car insurance for drivers in NYC.
How much car insurance is required in New York state?
Drivers in New York are required to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage and $10,000 of property damage liability. In addition, you'll also need $50,000 of PIP and $25,000/$50,000 of uninsured motorist coverage.
ValuePenguin collected quotes from the largest New York auto insurance companies across all ZIP codes in the state. Quotes are based on a 30-year-old man with good credit who drives a 2016 Honda Civic EX.
Unless otherwise noted, quotes are based on a full-coverage policy with comprehensive and collision coverage, along with higher liability limits than required for New York drivers.
- $50,000 of bodily injury liability coverage per person, and $100,000 per accident
- $25,000 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 insurer filings and should be used for comparative purposes only. Your own quotes may be different.