State Farm has the cheapest car insurance in New York, charging an average of $1,004 per year for minimum coverage.
ValuePenguin found that the average cost of auto insurance in New York is $1,373 per year for a minimum coverage policy, though rates can differ significantly depending on the company and location. Type your ZIP code into the box above to compare rates 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: State Farm
State Farm is the cheapest car insurance company for minimum liability for most people, 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 State Farm cost 27% less than the statewide average.
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 $300 less per year than State Farm and 48% less than the average cost of minimum coverage in New York.
Find Cheap Auto Insurance Quotes in New York
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 — you may have to pay out of pocket for repairs after an expensive accident.
Cheapest company for full coverage: Progressive
The average cost of full coverage auto insurance in New York is $2,777 per year, or $231 per month, but drivers could find cheaper rates by comparing car insurance companies.
For cheap full-coverage insurance in New York, Progressive is the cheapest option for most people. Progressive's rates are 15% 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 Progressive.
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) citation or those who have been in one at-fault accident. With this in mind, we found the cheapest full coverage car insurance for a range of driver profiles.
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 full coverage auto insurance from State Farm is 16% cheaper than the average cost of coverage after an accident in New York, which is $3,627 per year.
State Farm is the only insurer for most people that's cheaper than average, but people who have been in an at-fault accident may find relatively affordable coverage from NYCM and Geico. These two companies are less than $50 more expensive per year than average.
|Average in New York||$3,627||$302|
Cheapest car insurance for people with a speeding ticket: Progressive
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 full coverage car insurance with Progressive. Compared to the average cost for people with a speeding ticket, Progressive's rates are $621 cheaper per year.
|Average in New York||$3,057||$255|
Cheapest car insurance for drivers with a DUI: Progressive
DUIs can result in average premiums that are 42% 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 or State Farm, which are the only companies cheaper than average for most people.
|Average in New York||$3,932||$328|
Cheapest car insurance for drivers with poor credit: Geico
For drivers with poor credit, we found that the average cost of car insurance can be nearly 60% more expensive than average. Geico offers the best rates for these types of drivers. Geico's rates for full coverage are 42% cheaper than average and only $128 more expensive per year than for drivers with average credit.
|Average in New York||$4,448||$371|
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 $4 per year compared to those who are unmarried. If you're a married driver in New York, Progressive has the lowest rates for full coverage on average, followed closely by Geico and State Farm.
|Average in New York||$2,724||$227|
Cheapest car insurance for young drivers: NYCM
The average cost of minimum coverage car insurance for young drivers in New York is $3,638 per year, or $303 per month — which is about $2,200 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 $7,791 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 NYCM, which has rates that are slightly more expensive than $3,000 per year for minimum coverage. The cheapest full coverage auto insurance for young drivers is offered by Progressive and is about 10% cheaper than average. The following table is ordered by the cost of full coverage.
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 full coverage car insurance for young people who have been in an accident comes from Progressive, which is $1,740 cheaper than average.
|Average in New York||$9,598||$800|
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 full coverage that is 18% cheaper than average.
|Average in New York||$8,555||$713|
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 in a survey commissioned by ValuePenguin.
Percentage of respondents overall extremely satisfied with most recent claim
Percentage of respondents who rated customer service as "excellent"
Overall rank takes both claim satisfaction and customer service rankings into account.
We also compared the number of complaints each insurer in our study received using the complaint index published by the National Association of Insurance Commissioners (NAIC). By this metric, Travelers had the best ratio of complaints to market share, or size, of any insurer.
2019 NAIC complaint index
2020 J.D. Power claims satisfaction
AM Best rating
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 $4,815 per year, depending on where you live in the state. The most expensive city for full coverage in New York is Brooklyn, while Corning is the cheapest city for full coverage car insurance.
Typically, auto coverage costs are higher in large cities, where accidents and auto theft are more common. This may be why New York City is one of the most expensive cities for car insurance in the state, on average, at $5,439 per year for full coverage.
Difference from average
Year over year rate changes by company in New York
The largest auto insurance companies in New York increased rates by an average of 1.2%, one of the only states in that nation to have an increase in 2020. Overall, individual insurers varied widely on how they adjusted rates. For example, State Farm reduced rates by 12.7% while National General increased rates by 11% over the past year.
Premiums written (millions) 2019
Rate Change 2019
Rate Change 2020
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.
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.
Frequently asked questions
Who has the cheapest car insurance in New York?
State Farm has the cheapest state-minimum car insurance in New York, based on our analysis, at $1,004 per year. Progressive has the best average price for full coverage, at $2,355 annually.
How much does car insurance cost in New York?
The average cost of a minimum coverage car insurance policy for a good driver in New York is $1,373. But your driving history, where in New York you live and what 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, inside New York City, is the most expensive place in New York for car insurance. There, residents pay an average price of $6,607 per year for full coverage.
Recap of the cheapest car insurance in New York
- Cheapest for minimum coverage: State Farm
- Cheapest for full coverage: Progressive
- Cheapest with one accident: State Farm
- Cheapest with one speeding violation: Progressive
- Cheapest with one DUI: Progressive
- Cheapest for poor credit: Geico
- Cheapest for married drivers: Geico
- Cheapest for young drivers: NYCM
- Cheapest full coverage for young drivers: Progressive
- Cheapest for young drivers with one accident: Progressive
- Cheapest for young drivers with a speeding ticket: Progressive
We collected thousands of rates from ZIP codes across New York for the largest 10 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:
|Bodily liability||$50,000 per person/$100,000 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 policy, we quoted a policy with the minimum required limits in New York, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated 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.