Who Has the Cheapest Auto Insurance Quotes in New York?
Who Has the Cheapest Auto Insurance Quotes in New York?
Find Cheap Auto Insurance Quotes in New York
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 $662 for six month policy, or $1,323 per year. Additionally, we found that rates can differ significantly depending on the company and location.
Cheapest for minimum liability
Cheapest for full coverage
Cheapest for drivers with an accident
Best for customer service
To get your 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 car insurance company for minimum liability, according to our survey of rates. A minimum policy is one that only meets state requirements, and is the cheapest form of insurance you can get.
Premiums from GEICO averaged $984 per year across the quotes we considered. This is 26% less than the average cost of minimum liability insurance in New York.
Find Cheap Auto Insurance Quotes in New York
However, if you're an active service member or veteran you'll be eligible for insurance with the cheapest overall option: USAA. USAA cost over $300 less per year than GEICO, so those who are eligible should definitely get a quote.
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | GEICO | $984 |
| 2 | New York Central Mutual Fire (NYCM) | $1,008 |
| 3 | Progressive | $1,242 |
| 4 | State Farm | $1,493 |
| 5 | Travelers | $1,808 |
| 6 | Allstate | $2,063 |
| 7 | USAA* | $665 |
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 after an expensive accident.
Cheapest company 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.
| $/year | $/month | |
|---|---|---|
| GEICO | $2,253 | $188 |
| New York Central Mutual Fire | $2,531 | $211 |
| Progressive | $2,558 | $213 |
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 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.
| $/year | $/month | |
|---|---|---|
| GEICO | $2,371 | $198 |
| New York Central Mutual Fire | $2,531 | $211 |
| Progressive | $2,558 | $213 |
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.
| liability | minimum coverage |
|---|---|
| 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.
Quotes below are for a full coverage policy, and drivers may find even cheaper car insurance by removing coverages or lowering coverage limits.
| 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
- Average annual cost = $4,499
- $375 per month
- 63% greater than the New York state average
Since car insurance is so expensive in Manhattan, drivers in this city should consider comparing policies 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
- Average annual cost = $6,641 for full coverage
- 24% more expensive than the New York City average
- Most expensive borough in New York City for car insurance
The cheapest three insurance companies for Brooklyn drivers — according to our research — are GEICO, Progressive and State Farm. Rates from these companies for a full coverage policy averaged $5,445 per year for a full coverage policy, which is 18% less than the borough average.
Auto insurance in Queens, New York
- Average annual rate = $5,270
- $107 less per year than the New York City average
- 91% more expensive than the New York state average
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 up to 13% on insurance premiums compared to the Queens average.
Auto insurance in the Bronx, New York
- Average annual cost = $5,721
- $345 more than the average cost of car insurance in New York City
- Cheapest insurer in the bureau: GEICO
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
- Average cost of insurance = $4,437
- 61% lower than the New York state average
- 17% cheaper than the New York City average
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 full coverage 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.