Who Has the Cheapest New York Car Insurance Quotes? (2022)
Who Has the Cheapest New York Car Insurance Quotes? (2022)
Progressive has the best cheap car insurance quotes in New York, at $732 per year or $61 per month for minimum liability coverage.
Find Cheap Auto Insurance Quotes in New York
Best cheap car insurance companies in New York
To help you find the best cheap car insurance in New York, our editorial team compared auto insurance quotes in every ZIP code for the top insurers in the state. We ranked the best companies in New York based on coverage availability, customer service and convenience. We also rated the top companies based on cost for different drivers.
To find the cheapest insurers, we averaged quotes for liability-only coverage, which meets New York's minimum requirements of $25,000 in bodily injury liability per person and $50,000 per accident, $10,000 in property damage coverage and $50,000 in personal injury protection (PIP), along with $25,000 in uninsured motorist bodily injury liability per person and $50,000 per accident.
Quotes for full-coverage policies include collision and comprehensive coverage in addition to higher liability limits than state minimums.
The average cost of car insurance in New York is $1,085 per year, or $90 per month, for minimum liability.
Cheapest auto insurance in New York: Progressive
Progressive is the cheapest car insurance company for minimum liability for most New York drivers. Its typical rate of $732 per year is 33% less than the average rate we found across all insurers.
Find Cheap Auto Insurance Quotes in New York
However, if you're a military member or a veteran, you may be eligible for insurance with USAA, the cheapest overall option. USAA costs even less than Progressive, at $695 per year. That's 36% less than the average cost of minimum coverage in New York.
Company | Monthly rate | |
|---|---|---|
| Progressive | $61 |
| Geico | $81 |
| State Farm | $84 |
| Travelers | $121 |
| Allstate | $137 |
| USAA | $58 |
*USAA is only available to current and former military members and their families.
Minimum coverage car insurance quotes meet the legal requirements in New York, which includes $25,000 in bodily injury liability per person and $50,000 per accident, $10,000 in property damage coverage, $50,000 in personal injury protection (PIP), in addition to $25,000 in uninsured motorist bodily injury liability per person and $50,000 per accident.
Minimum liability car insurance policies have the cheapest quotes, but they could end up costing you more in the long run if you need to file a claim — you may have to pay out of pocket for repairs after an expensive accident.
Cheapest company for full coverage quotes: Progressive
For cheap full-coverage insurance in New York, Progressive is the cheapest option for most people. Progressive's rates are $776 cheaper than average for our sample driver, at $1,335 per year.
The average cost of full coverage auto insurance in New York is $2,111 per year, or $176 per month, but drivers may find cheaper rates by comparing car insurance companies.
Company | Monthly rate |
|---|---|
| Progressive | $111 |
| State Farm | $153 |
| Geico | $185 |
| Travelers | $236 |
| Allstate | $251 |
| USAA | $119 |
*USAA is only available to current and former military members and their families.
Drivers may also find affordable quotes at USAA, which charges only slightly more: $1,432 per year. However, USAA is only available to people who have served in the military and their family members.
Auto insurance policies with full coverage include more than the minimum liability insurance limits, 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.
Cheap car insurance for NY drivers with prior incidents
Typically, the average cost of full coverage car insurance in New York is greater for drivers who have received a citation for a traffic violation, those who have received a DUI (driving under the influence) citation or those who have been in an at-fault accident.
Cheapest car insurance quotes after a speeding ticket: Progressive
Drivers in New York who have been caught speeding could find the cheapest full coverage car insurance with Progressive. Compared to the average cost for people with a speeding ticket, Progressive's rates are $1,056 cheaper per year.
Getting a speeding ticket can raise your rates by about half as much as being in an accident: A ticket increases rates by 15% on average, while a typical increase after an at-fault crash is 38%.
Company | Monthly rate |
|---|---|
| Progressive | $115 |
| State Farm | $168 |
| Geico | $227 |
| Travelers | $270 |
| Allstate | $309 |
| USAA | $130 |
*USAA is only available to current and former military members and their families.
Cheapest for New York drivers after an accident: Progressive
New York drivers who have recently been in an accident should choose Progressive to get the cheapest rates. The cost of full coverage auto insurance after a crash from Progressive is 27% cheaper than the average cost of coverage after an accident in New York, which is $2,910 per year.
State Farm is the only other insurer for most people that's cheaper than average. Every other widely available insurer charged rates that exceeded $3,600 per year.
Company | Monthly rate |
|---|---|
| Progressive | $177 |
| State Farm | $183 |
| Travelers | $301 |
| Geico | $320 |
| Allstate | $344 |
| USAA | $130 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: Progressive
We found the best rates in New York after a DUI at Progressive,, where the typical price is just $1,398 per year. That's almost two-thirds cheaper than the average rate overall.
DUIs can result in average premiums that are 88% more expensive than what it typically costs to get full coverage car insurance in New York.
Company | Monthly rate |
|---|---|
| Progressive | $116 |
| Travelers | $295 |
| Allstate | $353 |
| Geico | $523 |
| State Farm | $525 |
| USAA | $171 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for drivers with poor credit: Geico
Geico offers the best quotes for drivers with poor credit, at $2,719 per year. Geico's full coverage rates for these drivers are $1,622 cheaper than average and only 22% more expensive than average for drivers with average credit.
Drivers with poor credit in New York can pay more than double the rates of drivers with good credit.
Company | Monthly rate |
|---|---|
| Geico | $227 |
| State Farm | $286 |
| Allstate | $348 |
| Travelers | $423 |
| Progressive | $674 |
| USAA | $213 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for married drivers: Progressive
If you're a married driver in New York, Progressive has the lowest rates for full coverage on average by far. Its typical rate of $1,053 per year is $750 cheaper than the second-cheapest option.
Married drivers can get small savings on their car insurance premiums compared to single or unmarried drivers: $38 per year compared to unmarried drivers in New York, on average.
Company | Monthly rate |
|---|---|
| Progressive | $88 |
| State Farm | $153 |
| Geico | $188 |
| Travelers | $236 |
| Allstate | $265 |
| USAA | $107 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance quotes for young drivers: Progressive
Young drivers shopping for the cheapest car insurance in New York could find the best rates with Progressive, which has rates of $2,365 per year for minimum coverage. Progressive also has the cheapest quotes for young drivers for full coverage, at $4,045 per year.
The average cost of minimum coverage car insurance for 18-year-old drivers in New York is $3,298 per year, or $303 per month — which is about $2,200 more expensive than it is for 30-year-old drivers.
Company | Liability only | Full coverage |
|---|---|---|
| Progressive | $197 | $337 |
| State Farm | $263 | $488 |
| Travelers | $309 | $610 |
| Geico | $319 | $710 |
| Allstate | $325 | $695 |
| USAA | $236 | $464 |
*USAA is only available to current and former military members and their families.
Cheapest quotes for young drivers with a speeding ticket: Progressive
Young drivers in New York with one speeding ticket could find cheap rates from Progressive, at just $2,365 per year. That's 36% cheaper than average.
Speeding can cause the cost of car insurance to increase, though not as drastically as for drivers who experience an at-fault accident.
Company | Monthly rate |
|---|---|
| Progressive | $197 |
| State Farm | $292 |
| Geico | $335 |
| Travelers | $365 |
| Allstate | $420 |
| USAA | $236 |
*USAA is only available to current and former military members and their families.
Cheapest company for teen drivers after an accident: Progressive
Progressive has the most affordable full coverage car insurance quotes for young New Yorkers after an accident, at $2,683 per year. That's $1,403 cheaper per year than average across all the insurers we considered.
Accidents nearly always lead to the cost of car insurance to increase significantly because a driver responsible for one crash is statistically more likely to cause another in the future.
Company | Monthly rate |
|---|---|
| Progressive | $224 |
| State Farm | $321 |
| Geico | $374 |
| Travelers | $413 |
| Allstate | $476 |
| USAA | $236 |
*USAA is only available to current and former military members and their families.
Best auto insurance companies in New York
The best insurance company in New York is USAA, when considering its superior customer service, useful coverage options and affordable rates.
However, if you're not eligible for USAA membership, then State Farm and Geico are top companies to get quotes from as well. Both also received high marks from ValuePenguin editors.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 868 | A++ | |
| State Farm | 859 | A++ | |
| Geico | 827 | A++ | |
| Travelers | 844 | A++ | |
| Allstate | 814 | A+ | |
| Progressive | 813 | A+ |
Average car insurance cost in New York by city
The most expensive city for full coverage in New York is Brooklyn, at $4,208 per year for full coverage. Corning is the cheapest city for full coverage car insurance, at $1,426 per year.
Full coverage car insurance rates in New York can vary by as much as $2,782 per year, depending on where you live in the state. Typically, auto coverage costs are higher in large cities, where accidents and auto theft are more common. This may be why New York City overall is among the most expensive cities for car insurance in the state, on average, at $3,884 per year for full coverage.
City | Average monthly cost | Percent from average |
|---|---|---|
| Accord | $169 | -4% |
| Acra | $156 | -11% |
| Adams | $127 | -28% |
| Adams Basin | $125 | -29% |
| Adams Center | $124 | -30% |
Minimum requirements for auto insurance quotes 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 beyond the legal requirement. Your insurer will only cover you up to the stated limits, which could leave you financially vulnerable after a serious car accident.
Frequently asked questions
Who has the cheapest car insurance in New York?
Progressive has the cheapest state-minimum car insurance in New York, based on our analysis, at $732 per year. Progressive also has the best average price for full coverage, at $1,335 annually.
How much does car insurance cost in New York?
The average cost of a minimum coverage car insurance policy for a driver in New York is $1,085 per year, or $90 per month. But your driving history, where in New York you live and the type of car you drive will all impact how much you'll pay.
How much car insurance is required in New York state?
Drivers in New York are required to carry 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 $10,000 of personal injury protection and $25,000/$50,000 of uninsured motorist coverage.
What is the most expensive city for car insurance in New York?
Brooklyn, a borough of New York City, is the most expensive place in New York for car insurance. Its residents pay an average price of $6,607 per year for full coverage.
Methodology
We collected thousands of rates from ZIP codes across New York for the state's largest insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Personal injury protection | $10,000 |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum-coverage policies, including all rates for 18-year-olds, we quoted a policy with the minimum required limits in New York.
For other rates analyses (credit score, accident history and marital status), the base policy listed above was adjusted to reflect the new driver.
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.
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.