Who Has the Cheapest Auto Insurance Quotes in New York?

Find Cheap Auto Insurance Quotes in Your Area

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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 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 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.

Chart of the cheapest car insurance companies in New York.
Chart of the cheapest car insurance companies in New York.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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RankCompanyAverage annual rate
1GEICO$2,253
2New York Central Mutual Fire$2,531
3Progressive$2,558
4State Farm$2,762
5Travelers$3,756
6Allstate$3,811
N/A*USAA$1,598
* USAA is excluded from rankings because it is only available to current and former military members and their families.

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.

$/year$/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 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.

$/year$/month
GEICO$1,146$96
New York Central Mutual Fire$1,176$98
Progressive$1,516$126

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 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"
1USAA78%62%
2State Farm73%46%
3Allstate72%47%
4Progressive74%34%
5GEICO64%42%
6Travelers19%33%
N/ANew York Central Mutual FireN/AN/A
* Overall rank takes both claim satisfaction and customer service rankings into account.

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.

liabilityminimum 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.

CityCompanyAnnual premium
New YorkGEICO$3,485
Progressive$4,159
State Farm$4,447
BuffaloGEICO$2,250
NY Central Mutual Fire$2,289
Progressive$2,444
RochesterNY Central Mutual Fire$1,591
GEICO$1,619
Progressive$1,964
YonkersNY Central Mutual Fire$3,340
GEICO$3,565
Progressive$3,803
SyracuseNY Central Mutual Fire$1,934
GEICO$1,963
Progressive$2,185
AlbanyNY Central Mutual Fire$1,770
GEICO$1,840
State Farm$1,896
New RochelleGEICO$2,485
NY Central Mutual Fire$2,887
State Farm$3,100
Mount VernonNY Central Mutual Fire$3,340
GEICO$3,565
State Farm$3,937
SchenectadyNY Central Mutual Fire$1,568
State Farm$1,896
GEICO$1,922
UticaNY Central Mutual Fire$1,820
GEICO$2,075
State Farm$2,110
White PlainsGEICO$2,465
NY Central Mutual Fire$2,802
State Farm$2,995
HempsteadNY Central Mutual Fire$4,129
GEICO$4,569
State Farm$5,643
TroyState Farm$1,750
GEICO$1,815
Progressive$1,981
Niagara FallsNY Central Mutual Fire$1,932
GEICO$2,152
Progressive$2,231
BinghamtonNY Central Mutual Fire$1,384
Progressive$1,778
State Farm$1,805
FreeportGEICO$3,879
NY Central Mutual Fire$4,129
Progressive$4,944
South Valley StreamGEICO$3,879
NY Central Mutual Fire$4,129
Progressive$5,000
RomeGEICO$1,691
Progressive$1,845
NY Central Mutual Fire$1,858
IthacaNY Central Mutual Fire$1,592
Progressive$1,734
GEICO$1,774
PoughkeepsieNY Central Mutual Fire$2,081
GEICO$2,242
Progressive$2,336
North TonawandaGEICO$1,771
NY Central Mutual Fire$1,932
Progressive$1,981
Port ChesterGEICO$2,485
NY Central Mutual Fire$2,887
State Farm$2,985
Saratoga SpringsGEICO$1,787
State Farm$1,796
NY Central Mutual Fire$1,799
HarrisonGEICO$2,485
NY Central Mutual Fire$2,887
State Farm$3,004
MiddletownNY Central Mutual Fire$2,494
GEICO$2,556
Progressive$2,922
ElmiraNY Central Mutual Fire$1,370
Progressive$1,550
GEICO$1,633
Glen CoveGEICO$2,944
NY Central Mutual Fire$3,063
State Farm$3,814
AuburnNY Central Mutual Fire$1,513
GEICO$1,733
Progressive$1,776
Kiryas JoelNY Central Mutual Fire$2,494
GEICO$2,556
State Farm$3,006
WatertownNY Central Mutual Fire$1,549
Progressive$1,676
GEICO$1,719
OssiningGEICO$2,323
NY Central Mutual Fire$2,634
State Farm$2,870
PeekskillGEICO$2,323
NY Central Mutual Fire$2,634
State Farm$2,769
Garden CityGEICO$3,157
State Farm$4,101
NY Central Mutual Fire$4,129
LockportNY Central Mutual Fire$1,758
GEICO$1,784
Progressive$2,090
PlattsburghProgressive$1,531
GEICO$1,631
NY Central Mutual Fire$1,666
MineolaNY Central Mutual Fire$3,097
GEICO$3,157
State Farm$3,955
MamaroneckGEICO$2,485
NY Central Mutual Fire$2,887
State Farm$2,981
CortlandNY Central Mutual Fire$1,592
Progressive$1,707
GEICO$1,774
AmsterdamNY Central Mutual Fire$1,697
GEICO$1,745
Progressive$1,776
OswegoNY Central Mutual Fire$1,514
Progressive$1,726
GEICO$1,730
CohoesNY Central Mutual Fire$1,770
Progressive$1,821
GEICO$1,840
Floral ParkGEICO$3,594
NY Central Mutual Fire$4,487
Progressive$4,699
GloversvilleNY Central Mutual Fire$1,668
GEICO$1,745
Progressive$1,790
TonawandaGEICO$1,753
NY Central Mutual Fire$1,868
Progressive$1,981
BeaconGEICO$2,195
NY Central Mutual Fire$2,346
Progressive$2,578
BataviaNY Central Mutual Fire$1,574
GEICO$1,667
Progressive$1,920
Glens FallsNY Central Mutual Fire$1,357
State Farm$1,748
GEICO$1,793
Johnson CityNY Central Mutual Fire$1,384
Progressive$1,641
State Farm$1,803
OneontaNY Central Mutual Fire$1,679
Progressive$1,850
GEICO$2,024
OleanProgressive$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 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

  • 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 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.

RankCityAverage annual insurance rate
1Elmira$1,792
2Plattsburgh$1,848
3Watertown$1,863
4Johnson City$1,875
5Binghamton$1,905
6Glens Falls$1,911
7Olean$1,932
8Auburn$1,946
9Cortland$1,949
10Oswego$1,950
11Batavia$1,969
12Ithaca$1,978
13Saratoga Springs$1,984
14Gloversville$2,014
15Amsterdam$2,020
16Cohoes$2,020
17Rome$2,055
18Troy$2,066
19Oneonta$2,074
20Schenectady$2,090
21Rochester$2,116
22Albany$2,154
23Utica$2,164
24Lockport$2,177
25North Tonawanda$2,253
26Syracuse$2,256
27Tonawanda$2,264
28Niagara Falls$2,332
29Poughkeepsie$2,653
30Beacon$2,703
31Buffalo$2,794
32Peekskill$2,953
33Ossining$2,964
34Port Chester$3,073
35Middletown$3,076
36Harrison$3,083
37Kiryas Joel$3,086
38White Plains$3,105
39Mamaroneck$3,115
40New Rochelle$3,279
41Yonkers$3,779
42Glen Cove$3,817
43Mineola$3,949
44Mount Vernon$4,222
45Garden City$4,353
46Staten Island$4,437
47Manhattan$4,499
48Floral Park$4,668
49Freeport$4,756
50South Valley Stream$4,892
51Queens$5,270
52Hempstead$5,409
53The Bronx$5,721
54Brooklyn$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.

Comments and Questions

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