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

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We reviewed auto insurance rates in New York to provide local drivers with more information about insuring their vehicles in the state. Our survey found that the average cost of auto insurance in New York is $609 for a six-month policy, or $1,218 per year, though rates can differ significantly depending on the company and location. We also compared the customer service reputations of companies in New York to find the best insurer for those looking for more than the cheapest rates.

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To get your lowest rates, you 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

GEICO is the cheapest car insurance company for minimum liability, according to our rate analysis. A minimum policy is one that only meets state requirements, and it is the cheapest form of insurance you can get.

Premiums from GEICO average $823 per year across the quotes we considered. The cost of GEICO car insurance in New York is 32% cheaper than the average cost of minimum liability coverage in New York.

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

USAA is available to active-duty and retired military personnel and their families

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However, if you're an active service member or a veteran, you'll be eligible for insurance with the cheapest overall option: USAA. USAA costs nearly $200 less per year than GEICO and 47% less than the average cost of minimum coverage in New York.

RankCompanyAverage annual rate
1GEICO$823
2Progressive$984
3State Farm$1,089
4Allstate$1,462
5New York Central Mutual Fire (NYCM)$1,591
6Travelers$1,941
N/AUSAA$638
USAA is excluded from rankings because it is only available to current and former military members and their families.

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

The average cost of full coverage auto insurance in New York was $2,463 per year, or $205 per month, but drivers could find cheaper rates by comparing car insurance companies.

For cheap full-coverage insurance in New York, we recommend GEICO for most people. GEICO's rates were 20% cheaper than average for our sample driver. However, drivers who qualify for USAA's coverage can actually get even cheaper coverage than what's offered with GEICO.

InsurerCost per yearCost per month
GEICO$1,741$145
State Farm$1,967$164
Progressive$1,969$164
New York average$2,463$205

Auto insurance policies with full coverage include 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.

Cheap car insurance for 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) or those who have been in one at-fault accident. With this in mind, we found the cheapest full coverage car insurance for drivers who:

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Cheapest for drivers with an accident: State Farm

New York drivers who have recently been in an accident should choose State Farm to get the cheapest rates, according to our research. The cost of auto insurance from State Farm is 27% less than the average cost of coverage after an accident in New York, which is $3,246 per year.

After an accident, State Farm's rates are $2,630 cheaper than those from the most expensive insurance provider, Travelers.

InsurerCost per yearCost per month
State Farm$2,359$197
Progressive$3,094$258
GEICO$3,167$264
New York average$3,246$271

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.

Cheapest car insurance for people with a speeding ticket: GEICO

Getting a speeding ticket can raise your rates by nearly as much as being in an accident. Drivers in New York who have been caught speeding could find the cheapest car insurance with GEICO. Compared to the average cost for people with a speeding ticket, GEICO's rates are nearly $900 cheaper.

InsurerCost per yearCost per month
GEICO$1,741$145
Progressive$2,035$170
State Farm$2,163$180
New York average$2,679$1,349

Cheapest car insurance for drivers with a DUI: Progressive

DUIs can result in average premiums that are 50% more expensive than what it typically costs to get full coverage car insurance in New York. Drivers with a prior DUI on their records could get the cheapest rates from Progressive, where costs are 44% more affordable than average for most drivers.

InsurerCost per yearCost per month
Progressive$2,062$172
State Farm$2,163$180
Allstate$3,777$315
New York average$3,731$311

Cheapest car insurance for drivers with poor credit: Progressive

For drivers with poor credit, we found that the average cost of car insurance can be nearly 30% more expensive than average. Progressive offers the best rates for these types of drivers. In fact, the rates Progressive charged our sample profile were the same no matter the driver's credit.

InsurerCost per yearCost per month
Progressive$1,969$164
GEICO$2,745$229
NYCM$3,432$286
New York average$3,189$266

Cheapest car insurance for married drivers: Progressive

Married drivers can get small savings on their car insurance premiums compared to single or unmarried drivers. We found that married drivers can save an average of $53 per year compared to those who are unmarried. If you're a married driver in New York, Progressive has the lowest rates on average, followed closely by GEICO and State Farm.

InsurerCost per yearCost per month
Progressive$1,562$130
GEICO$1,769$147
State Farm$1,967$164
New York average$2,410$201

Cheapest car insurance for young drivers: GEICO

The average cost of cheap car insurance for young drivers in New York is $3,219 per year, or $268 per month — which is about $2,000 more expensive than it is for older drivers.

Car insurance for young drivers is often much more expensive than it is for most people. The average cost of full coverage car insurance for younger drivers is $6,869 per year, nearly three times higher than it is for others.

Young drivers shopping for the cheapest car insurance in New York could find the best rates with GEICO or NYCM, which have rates that are separated by less than $50 per year. The cheapest full coverage auto insurance is offered by Progressive and is about 15% cheaper than average.

RankInsurerFull coverageMinimum coverage
1GEICO$2,936$6,197
2NYCM$2,975$7,966
3Progressive$3,102$5,800
4State Farm$3,368$6,242
5Allstate$3,450$7,459
6Travelers$4,137$8,543
N/AUSAA$2,562$5,879
USAA is excluded from rankings because it is only available to current and former military members and their families.

Cheapest for young drivers with one accident: Progressive

Accidents nearly always cause the cost of car insurance to increase significantly, which means premiums for younger drivers who have been in an at-fault accident can be many times more expensive than for most drivers. The most affordable car insurance for young people who have been in an accident comes from Progressive, which is $2,000 cheaper than average.

InsurerCost per yearCost per month
Progressive$6,518$543
State Farm$7,541$628
GEICO$8,626$719
New York average$8,665$722

Cheapest for young drivers with one speeding ticket: Progressive

Speeding can cause the cost of car insurance to increase, though not as drastically as for drivers who experience an at-fault accident. Young drivers with one speeding ticket could find cheap rates from Progressive, which offers coverage that is 22% cheaper than average.

InsurerCost per yearCost per month
Progressive$5,800$483
GEICO$6,197$516
State Farm$6,892$574
New York average$7,500$625

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 rankGroupPercent of respondents overall extremely satisfied with most recent claimPercent of respondents who rated customer service as "excellent"
1USAA78%62%
2State Farm73%46%
3Allstate72%47%
4Progressive74%34%
5GEICO64%42%
6Travelers19%33%
N/ANYCMN/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.

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.

CityAverage costPercent from average
Penfield$1,673-32%
Webster$1,677-32%
Greece$1,690-31%
Henrietta$1,718-30%
Clifton Park$1,727-30%
Irondequoit$1,772-28%
Ithaca$1,782-28%
Rochester$1,785-28%
Clay$1,827-26%
Schenectady$1,837-25%
Cicero$1,854-25%
Guilderland$1,870-24%
Manlius$1,875-24%
Rome$1,879-24%
Troy$1,883-24%
Colonie$1,888-23%
Albany$1,925-22%
Utica$1,934-21%
Syracuse$1,981-20%
Hamburg$2,019-18%
Lancaster$2,023-18%
Niagara Falls$2,110-14%
Tonawanda$2,184-11%
Cheektowaga$2,253-9%
West Seneca$2,263-8%
Poughkeepsie$2,386-3%
Buffalo$2,4590%
Riverhead$2,5805%
Carmel$2,5845%
Southampton$2,6076%
Newburgh$2,6779%
Ossining$2,6849%
Warwick$2,80114%
White Plains$2,84916%
New Rochelle$2,94920%
Haverstraw$3,02423%
Brookhaven$3,02423%
Spring Valley$3,08725%
Smithtown$3,22431%
Yonkers$3,31935%
Oyster Bay$3,39738%
Babylon$3,42339%
Huntington$3,42639%
Islip$3,53443%
Mount Vernon$3,78454%
Long Beach$4,19170%
Freeport$4,29975%
Valley Stream$4,35377%
Hempstead$4,90099%
Hempstead$4,90099%
New York$4,920100%

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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.