Auto Insurance Basics

Who Has the Cheapest Auto Insurance Quotes in New York?

Find the Cheapest Insurance Quotes in Your Area

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We reviewed auto insurance rates in New York to provide drivers with more information about insuring their vehicle in the state. Our research showed that rates differ significantly depending on which companies drivers get their quotes from, and where they live in New York. For example, in the town of Hempstead, the best auto insurance rates at the cheapest company were $5,370 lower than the most expensive provider's quotes. That's why to get the 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 in your area, or read more below:

Cheapest Auto Insurance in New York

We averaged quotes for a sample single man in his 30s with safe driving records across 100+ cities to calculate the annual rates for each company in the following table. Below are the five companies with the lowest car insurance quotes for our male driver:

In this graph, we show which auto insurers had the most affordable rates for our drivers' vehicles, and compare them to the statewide average.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently Insured?

The table ranks companies from those with the cheapest car insurance rates to the most expensive. The quotes you get after submitting your own profile and different coverage limits will be quite different because of the individual nature of auto insurance.

CompanyYearly Rate
GEICO$825
Erie$1,149
Progressive$1,493
Nationwide$1,497
State Farm$1,519
Mercury$1,714
Allstate$1,952

Cheapest Car Insurance in New York: by City

Our research reviewed quotes for our two sample drivers from 16 companies in 105 cities, and revealed the cheapest car insurance companies in each city. Even drivers in New York City, Hempstead, or a nearby suburb in Nassau County, have options for affordable rates if they know where to look. This table starts with the ten most populous locations in New York, and resumes with the remaining in alphabetical order.

CityCompanyYearly Rate
AlbanyGEICO$692
Erie$918
State Farm$1,113
AlfredGEICO$737
Erie$884
State Farm$1,209
AmherstGEICO$687
Erie$1,056
Progressive$1,246
AmityvilleGEICO$1,231
Erie$1,793
State Farm$2,190
AmsterdamGEICO$683
Erie$892
Progressive$1,148
AuburnGEICO$693
Erie$887
Progressive$1,146
BabylonGEICO$1,231
Erie$1,793
State Farm$2,121
BataviaGEICO$690
Erie$927
Progressive$1,230
BathMercury$524
GEICO$680
Erie$884
BinghamtonGEICO$710
Erie$859
State Farm$1,082
BrightonGEICO$600
Erie$917
Progressive$1,108
BuffaloGEICO$892
Erie$1,257
Nationwide$1,293
CallicoonGEICO$985
Erie$1,407
Progressive$1,430
CanandaiguaGEICO$612
Erie$912
Progressive$1,108
CobleskillGEICO$765
Erie$1,049
State Farm$1,112
Cold SpringGEICO$1,019
Erie$1,387
Progressive$1,586
CooperstownGEICO$765
Erie$1,049
State Farm$1,201
CorningGEICO$658
Erie$834
Progressive$972
CortlandGEICO$723
Erie$891
Progressive$1,108
DunkirkGEICO$710
Erie$871
Progressive$1,064
East HamptonGEICO$903
State Farm$1,521
Erie$1,526
EllenvilleGEICO$789
Erie$1,223
Nationwide$1,561
EllicottvilleGEICO$759
Erie$884
Progressive$1,192
ElmiraGEICO$637
Erie$834
Nationwide$1,013
FairportGEICO$572
Erie$917
Nationwide$1,083
FarmingtonGEICO$636
Erie$879
Nationwide$1,083
FultonGEICO$671
Erie$912
Progressive$1,130
Garden CityGEICO$1,409
Erie$1,986
State Farm$2,366
GatesGEICO$575
Erie$917
State Farm$1,173
GenevaGEICO$622
Erie$912
Progressive$1,092
Glens FallsGEICO$721
Erie$830
State Farm$1,010
GloversvilleGEICO$683
Erie$892
State Farm$1,116
HamburgGEICO$697
Erie$997
Progressive$1,278
HempsteadGEICO$1,950
Erie$1,986
Nationwide$2,678
HenriettaGEICO$600
Erie$917
Progressive$1,168
HerkimerGEICO$728
Erie$919
State Farm$1,068
HornellGEICO$639
Erie$884
Nationwide$1,014
HudsonGEICO$734
Erie$1,089
State Farm$1,278
HuntingtonGEICO$1,048
Erie$1,793
State Farm$2,091
Hyde ParkGEICO$813
Erie$1,244
Progressive$1,420
IrondequoitGEICO$634
Erie$917
State Farm$1,202
IthacaGEICO$723
Erie$891
Progressive$1,128
JamestownGEICO$711
Erie$871
Progressive$1,074
KingstonGEICO$789
Erie$1,223
Progressive$1,406
LawrenceGEICO$1,676
Erie$1,986
Progressive$2,484
Le RoyGEICO$654
Erie$927
Progressive$1,180
LindenhurstGEICO$1,231
Erie$1,793
State Farm$2,249
Little FallsGEICO$723
Erie$919
State Farm$1,094
LockportGEICO$703
Erie$997
Nationwide$1,286
MassapequaGEICO$1,289
Erie$1,577
Nationwide$2,295
MattituckGEICO$903
State Farm$1,519
Erie$1,526
MayvilleGEICO$803
Erie$884
Progressive$1,100
MedinaGEICO$690
Erie$933
Progressive$1,230
MelvilleGEICO$1,048
Erie$1,793
State Farm$2,176
MiddletownGEICO$1,034
Erie$1,387
State Farm$1,683
MillertonGEICO$802
Erie$1,089
Progressive$1,446
MineolaGEICO$1,409
Progressive$1,890
Erie$1,986
MonseyGEICO$1,128
Erie$1,424
Nationwide$1,804
NanuetGEICO$1,128
Erie$1,424
State Farm$1,796
NarrowsburgGEICO$985
Erie$1,407
Nationwide$1,766
New CityGEICO$1,128
Erie$1,454
State Farm$1,905
New YorkGEICO$1,334
Nationwide$2,274
Erie$2,582
NewarkGEICO$668
Erie$912
Nationwide$1,114
NewburghGEICO$1,074
Erie$1,387
State Farm$1,699
Niagara FallsGEICO$774
Erie$1,042
Nationwide$1,293
North TonawandaGEICO$691
Mercury$782
Erie$1,042
NorwichGEICO$723
Erie$891
Progressive$1,186
NyackGEICO$1,128
Mercury$1,408
Erie$1,424
OleanMercury$550
GEICO$668
Erie$884
OneidaGEICO$723
Erie$976
Progressive$1,114
OneontaGEICO$765
Erie$1,049
State Farm$1,186
Orchard ParkGEICO$769
Erie$997
Progressive$1,300
OswegoGEICO$671
Erie$912
Progressive$1,108
PalmyraGEICO$687
Erie$879
Nationwide$1,114
PelhamGEICO$1,017
Erie$1,393
Nationwide$1,822
PenfieldGEICO$560
Erie$917
Nationwide$1,083
Penn YanGEICO$632
Erie$912
Progressive$1,108
PlattsburghGEICO$695
Erie$873
Progressive$1,024
Port ChesterGEICO$1,017
Erie$1,393
State Farm$1,660
PoughkeepsieGEICO$813
Erie$1,244
Progressive$1,490
RochesterGEICO$621
Erie$917
Nationwide$1,245
RomeGEICO$739
Erie$1,009
State Farm$1,165
Rye BrookGEICO$955
Erie$1,393
State Farm$1,700
Sag HarborGEICO$903
Erie$1,526
State Farm$1,528
SalamancaGEICO$696
Erie$884
Progressive$1,126
Saratoga SpringsGEICO$668
Erie$874
State Farm$1,064
SaugertiesGEICO$734
Erie$1,223
Progressive$1,406
SchenectadyGEICO$713
Erie$875
State Farm$1,112
SetauketGEICO$655
Erie$1,526
State Farm$2,002
SouthamptonGEICO$903
State Farm$1,516
Erie$1,526
SpringvilleMercury$744
GEICO$754
Erie$884
SyracuseGEICO$772
Erie$919
Nationwide$1,310
TonawandaGEICO$680
Mercury$770
Erie$1,056
TroyGEICO$668
Erie$924
State Farm$1,129
UticaGEICO$834
Erie$919
Nationwide$1,274
WatertownGEICO$737
Erie$893
State Farm$1,078
WebsterGEICO$564
Erie$917
Nationwide$1,083
WellsvilleMercury$550
GEICO$639
Erie$884
West SenecaGEICO$692
Mercury$704
Erie$1,056
WestfieldGEICO$754
Erie$871
Progressive$1,100
WesthamptonGEICO$903
Erie$1,526
State Farm$1,551
White PlainsGEICO$1,000
Erie$1,393
State Farm$1,690
WilliamsvilleGEICO$686
Mercury$770
Erie$1,056
YorktownGEICO$947
Erie$1,346
State Farm$1,577

New York, NY

Drivers looking for the cheapest car insurance rates in New York City should start with GEICO, Nationwide and Erie. These three providers have the lowest rates for civilian drivers. Progressive and State Farm are also attractive options. On average, these three companies charge an annual rate of $2,063 for our sample driver, which is 44% cheaper compared to what the typical insurer charges in NYC.

This graph shows which companies in NYC have the best rates for car insurance

In total, auto insurance costs here run up to $2,973 a year on average - 50% more than the Empire State average. While the city has some of the highest public transportation utilization rates, roughly a third of residents commute by car. The BQE and the Long Island Expressway, FDR Drive, and the West Side Highway / Hudson Parkway are four of the city’s main highways, while the Brooklyn, Manhattan, Williamsburg, and Queensboro Bridges help connect the boroughs. Here is a breakdown of the boroughs:

The Bronx

We found the cheapest auto insurance rates in the Bronx at GEICO, Nationwide and State Farm. Among these three companies, the average rate is a low $2,174 - or about 41% cheaper compared to the borough average. Home of the Yankees and a sprawling zoo, the Bronx ranks as the #3 most expensive borough with a mean of $3,084. 37% of the Bronx’s 1.4MM residents get to work by car, perhaps via US Route 1 or the Cross Bronx Expressway.

This graph shows which five auto insurance companies in the Bronx have the lowest rates for our sample drivers.

Brooklyn

For the best car insurance quotes in Brooklyn, we suggest starting with GEICO, Nationwide and State Farm. Annual rates across these three insurers are a low $2,511, better than the borough average by 45%. At $3,644, costs here are already 23% higher than the citywide average. Brooklyn has the greatest range in costs between the cheapest and most expensive insurers in our survey of about $5,000, which makes it critical for consumers to shop and compare quotes. The city’s most populous – and some would say, the most happening and exciting – borough is our most expensive. From the coast of the Brooklyn Promenade through Williamsburg to the tip of Coney Island, the BK is home to 2.6MM residents. Almost a third commute to work by car.

This column graph identifies and quantifies the companies in Brooklyn with the lowest annual premiums for car insurance

Manhattan

Drivers looking for low car insurance rates in Manhattan should start with quotes from GEICO, State Farm and Nationwide. In aggregate, these insurers had the most affordable rates in Manhattan of $, $1,734 lower versus the citywide mean. The average cost in this borough is $2,754 – perhaps the only time Manhattan has been identified as the cheapest of all five boroughs. Manhattan has been called many names, from the original Manhattan, to the fictionalized Gotham. To its residents, the borough is simply known as the City. Most get to work utilizing the plethora of public transportation and cabs, but 12% commute by car. With its easy street grid, Manhattan’s roads are easy to navigate – if you avoid the crush of traffic and tourists around Broadway and Times Square, that is.

Laid out in this graph are the five companies with the best car insurance rates for drivers living in Manhattan

Queens

To find cheap auto insurance quotes in Queens, we suggest beginning with GEICO, Nationwide and State Farm. That's because these companies cost $2,221 on average for our benchmark drivers, much lower compared to $3,144 from the typical Queens insurer. Home of the Mets, the Unisphere, and 2.3MM people, Queens is the second most populous borough in New York City. It’s also the largest by land mass, measuring 283 square miles from the developing Long Island City to Flushing. Nearly 45% of the borough drives their car to work.

Queens's cheapest auto insurance companies are displayed in this graph, along with the borough-wide average

Staten Island

Drivers in neighborhoods such as Great Kills, Huguenot, and Tottenville, can find low-cost insurance for their vehicles at GEICO, Nationwide and State Farm. Their average rate of $2,024 saves motorists in Staten Island 31% compared to the borough mean. One of the world’s longest boardwalks, the best view of the Statue of Liberty, and Snug Harbor can be found in Staten Island. New York City’s smallest borough has the greatest percentage of drivers, with 67% commuting to work by car. The cost of auto insurance here for our sample drivers is $2,652 a year, 11% lower than the citywide average.

This graph identifies five companies in Staten Island with some of the best rates for the borough's drivers

Hempstead, NY

If you're looking for cheap car insurance in Hempstead, start with GEICO, Erie and Nationwide. These companies had the lowest rates for auto insurance in Hempstead at $2,204 per year. At this level, drivers would pay 30% less compared to insuring with the average company. That's a sizeable chunk given that the cost of insuring a vehicle in Hempstead is the second most expensive in New York.

Rates here can run about $2,860 a year, which is 49% costlier than the state average - partly due to its close proximity just 30 miles away from the Big Apple. If Hempstead were a city, it would actually qualify as the 2nd most populous city in the state of New York. As it is, the town is home to 760,000 residents, and perhaps more in the summer months, when millions of visitors descend on the sands of Jones Beach.

This graph lays out the companies with the best rates for car insurance in Hempstead

Buffalo, NY

For the best car insurance rates in Buffalo, we recommend getting quotes from GEICO, Erie and Nationwide. These three companies have the cheapest quotes for our sample drivers averaging about $1,147 a year - that's 43% less than the city mean of $1,644. Located at the junction of the Buffalo River, Lake Erie, and the Niagara River, the city of Buffalo is New York's second most populated city and the birthplace of Buffalo Wings. The first electric street lights in America were lit here on Ganson Street.

This graph displays which companies in Buffalo, NY have the most affordable auto insurance costs.

Babylon, NY

With rates about $1,000 cheaper than the city mean, GEICO, and Erie as the companies with the lowest auto insurance rates in Babylon. Even though costs here are already 34% higher than the rest of the state, a quote from these providers would bring drivers back to the New York average. Jones Beach, Captree Island, and Fire Island are a short road trip under 20 miles away. With the beachfront less than half an hour's drive away, Babylon's 214,000 residents are some of the luckiest in the state.

This graph shows which companies in Babylon cost the least for insuring a car.

Rochester, NY

Who has the best car insurance rates in Rochester? Our research data points to West Bend Mutual, Farm Bureau Mutual, and Western National as having the lowest policy costs in Rochester. This handful of companies quoted our sample drivers a rate of $927 on average, which is a 28% savings compared to what the typical insurer charges. Generally speaking, it costs our driver $1,310 a year to insure a vehicle in Rochester (23% cheaper vs. Empire State mean). Rochester is home to about 211,000 residents, including at one point two leaders of the suffragette and abolitionist movements: Susan B. Anthony and Frederick Douglass, and the student population of the Univeresity of Rochester.

This graph presents the five auto insurance companies in Rochester, NY, that quoted the lowest rates for our sample drivers

Huntington, NY

The cheapest companies to insure a car in Huntington with are GEICO, Erie, State Farm. Annual policies with one of these companies cost our profiled motorists on average $1,644 a year, which is 32% lower than the $2,176 that the general insurer charges in Huntington. Huntington has a number of ties to the entertainment industry. For starters, it is where the sitcom Growing Pains place. Mariah Carey, Marlene Dietrict, and Edie Falco all at one point walked or drove the streets of Huntington.

Displayed in this graph are the five companies in Huntington with the cheapest rates for car insurance

Binghamton, NY

The three companies with the lowest auto insurance rates in Binghamton are GEICO, Erie and State Farm. On average, our drivers see annual rates of $883 from these providers, which is a 26% reduction compared to the citywide mean. With an average annual premium of $1,112 per year, Binghamton ranks as the city with the fifth cheapest auto insurance rates in the state. Located at the junction of the Susquehanna and the Chenango Rivers, Binghamton was a manufacturing center powered by both local residents and immigrants, which gave rise to the city’s nickname of “Valley of Opportunity”. Today, the city’s economy is primarily driven by education and health care, including SUNY Binghamton and United Health Services.

This chart shows which companies in Binghamton have the best rates for auto insurance.

Elmira, NY

The most affordable rates for car insurance in Elmira can be found at GEICO, Erie Nationwide, which together average $828 a year for premiums. Elmira actually ranks as the second cheapest city in our New York study, but drivers can save even more by about 23% with quotes from this subset of companies. Elmira is known as the birthplace of soaring. It’s from Harris Hill that the sport of gliding was launched, and commemorated with the National Soaring Museum. The city has hosted some notable residents in the past including: author Mark Twain, aviation pioneer Glenn Hammond Curtis, and Heisman Trophy winner Ernie Davis. Today, it’s home to 29,000 people, who can see car insurance premiums of $1,024 per year, which is on average 42% lower than what other drivers in the state pay.

This chart plots the companies in Elmira with the lowest annual rates for car insurance.

Garden City, NY

Our sample drivers found the cheapest car insurance rates in Garden City, NY, at GEICO, Erie, State Farm. In total, annual rates from this group of companies are $1,920for a Toyota Camry - 27% lower than the overall cost in Garden City. It takes the fourth most expensive spot on our list of cities in NY with an average annual cost of car insurance of $2,445 – 41% higher than everywhere else. Garden City is a village on Long Island about 24 miles outside of Manhattan. At five square miles, it is home to more than 22,000 citizens and Adelphi University.

This bar graph outlines the five companies with the lowest rates for insuring a vehicle in Garden City.

Mineola, NY

GEICO, Progressive and Erie have the lowest auto insurance costs in Mineola for our sample drivers. In aggregate, the three companies quote an average of $1,761 for full coverage insurance, which is about 35% lower than other providers in Mineola. Mineola, a village of 19,000 people in Nassau County, rounds out our top five most expensive cities for auto insurance in New York. Mineola has hosted some of the most famous pioneer pilots in history, including Glenn Curtiss and the Wright Brothers, as well as one of the first aviation units in the National Guard. It costs $2,388 a year to protect a car from auto insurance liability.

This graph lays out the five companies in Mineola with the lowest annual premiums for basic liability protection.

Geneva, NY

If you're looking for cheap auto insurance quotes in Geneva, we direct your attention to GEICO, Erie and Progressive. These companies quote the best rates in Geneva for car insurance; their composite rate of $875 for our driver profiles is a 24% reduction from the citywide mean of $1,083. At this level, this city in the Finger Lakes region takes the fourth cheapest spot in New York. Geneva is located on the northwest bank of Seneca Lake, and is known as the Lake Trout Capital of the World. Among its notable residents have been Elizabeth Blackwell, the first female licensed as a medical doctor in the U.S., and Seth Reed, a colonel and pioneer who helped to shape U.S. coinage.

Laid out in this chart are five companies with the cheapest rates for car insurance in Geneva.

Farmington, NY

We found the most affordable car insurance quotes in Farmington at GEICO, Erie and Nationwide. $866 is the mean annual cost from these three companies for the sample driver we obtained quotes for. This composite premium is a 26% discount to the going rate in Farmington of $1,094 which already places the city with the third cheapest auto insurance costs in New York Farmington started as a Quaker settlement when it was established in 1789. The town occupies 39 square miles in Ontario County and is home to 12,000 denizens. Farmington Quaker Crossroads Historic District in the town has been designated a National Register of Historic Places property, and played a significant role in the civil and women’s rights movements

This graph shows which companies in Farmington, NY quoted the lowest car insurance rates for our sample drivers

Corning, NY

For the cheapest car insurance quotes in Corning, start with GEICO, Erie and Progressive. With a composite rate of $821 a year, this handful of companies charges 21% less compared to the typical insurer in Corning. And that's saying something, because Corning actually ranks in all of New York state with the lowest costs for car insurance. This community of 11,000 residents has access to the largest repository of glass artifacts at the Corning Museum of Glass. Thomas Edison’s company’s first light bulbs were manufactured here, and the fiber optic cable was invented here as well. The average cost of auto insurance in Corning is $994 a year, which places it 46% cheaper than the typical Empire State city.

This graph lays out the five insurance providers in Corning with the best rates for drivers' insurance policies.

Lawrence, NY

Drivers looking for low car insurance costs in Lawrence should consider getting quotes from GEICO, Erie, and Progressive. Our sample drivers' average rate of $2,048 from this group of companies is 32% more affordable than what they get from all of the other companies here. Its critical that drivers in Lawrence compare and shop for quotes from at least three companies, given that Lawrence has the third most expensive costs in the Empire State for car insurance. The village measures just five square miles in size, but is home to about 6,000 residents, including at one point fashion designers Donna Karen and Steve Madden. Costs for auto insurance are 82% more expensive than the typical city in the state at $2,692 a year.

This column chart shows the average annual premium for the five companies in Lawrence with the best auto insurance rates.

Best Car Insurance Companies in New York

Now that you know the cheapest car insurance companies in New York, you should know which are the "best". It happens that New Yorkers are fortunate in that some of its cheapest providers are also quite good for customer satisfaction and service.

Best...Car Insurance Company
Overall Auto InsurerGEICO
After an Auto AccidentProgressive

Military Members

USAA

While GEICO may not be esteemed for customer service across the country, in New York it's considered the best. The 2016 J.D. Power study on customer satisfaction of auto insurance companies gave GEICO 5/5 stars for factors such as how the company billed customers, the flexibility of policies and how they processed claims. On top of that, we found GEICO to also be the most affordable auto insurer in New York.

In our nationwide survey, we found Progressive insurance increased rates after an accident the least of any other company. Overall, Progressive increased rates only 29% after an at-fault accident compared to the average 57%. If getting into an accident and your rates skyrocketing worries you, going with Progressive may be a good move.

For those in the military, were in the military or have family members who were in the military, you the best car insurance is at USAA. In New York, J.D. Power gives USAA highest marks with scores almost the same as GEICO. USAA is also known for giving competitive and inexpensive rates to its customers. If you are eligible, strongly consider USAA.

Best Rated Auto Insurance Companies in New York

Another way to determine what the best car insurance companies in New York are was to look at the number of complaints each company underwriting in the Empire State had relative to the amount of business they conducted. Specifically, we calculated each group's share of upheld complaints to their share of car insurance business in New York to determine their complaint index number. The lower the index number for a company, the better they perform relative to their competitors.

Rank Company Index
1 AIG 0.00
2 American Automobile Insurance 0.00
3 American Bankers 0.00
4 American Family 0.00
5 American Modern Insurance 0.00
6 Assurant / American Reliable 0.00
7 Bankers Insurance 0.00
8 Central Mutual Insurance 0.00
9 Dairyland 0.00
10 Electric 0.00
11 Encompass 0.00
12 Fireman's Fund 0.00
13 Foremost 0.00
14 Great Northern Insurance 0.00
15 Harleysville Insurance 0.00
16 Lincoln General Insurance 0.00
17 Merchants Insurance Group 0.00
18 Philadelphia Insurance 0.00
19 PURE 0.00
20 Sterling Insurance Company 0.00
21 GEICO 0.22
22 Amica 0.24
23 Main Street America Insurance 0.33
24 NYCM Insurance 0.36
25 National Indemnity 0.44
26 Utica National Insurance 0.50
27 State Farm 0.52
28 Adirondack Insurance Exchange 0.57
29 MetLife 0.63
30 Kemper 0.64
31 Nationwide 0.71
32 Ameriprise 0.73
33 Travelers 0.79
34 Progressive 0.81
35 Liberty Mutual 0.91
36 Farm Family 0.91
37 Eveready Insurance 1.03
38 Preferred Mutual Insurance 1.13
39 Allstate 1.46
40 USAA 1.52
41 Chubb 1.54
42 Hartford 1.58
43 Erie Insurance 1.59
44 National General 1.68
45 ACA Insurance 1.71
46 Markel Insurance 1.72
47 Mercury Insurance 1.83
48 21st Century 1.97
49 Esurance 2.16
50 Warner Insurance 2.34
51 TSC Insurance 2.41
52 Farmers 2.94
53 Hanover 3.12
54 AutoOne Insurance 3.37
55 MAPFRE Insurance 3.71
56 Countryway Insurance 5.59
57 QBE Insurance 5.93
58 Interboro Insurance 6.83
59 Titan 6.83
60 Country-Wide Insurance 9.68
61 Safeco 10.06
62 Drivers Insurance Company 14.21
63 The General 17.50
64 Infinity Auto 22.24
65 Ocean Harbor / Pearl Holding Group 27.53
66 Tower Group 31.02
67 Merastar 65.28
68 Kingstone Insurance 108.24
69 Meritplan Insurance 157.15
70 Sentry 316.64

Average Cost of Car Insurance in New York: by City

Across 100+ places beginning alphabetically with Albany and ending with Yorktown, annual premiums ranged from just above $1,000 to a little more than $4,000. The rank refers to how cheap each city is relative to the 100+ cities in our New York analysis. Here are the costs by city:

RankCityYearly Rate
1Albany$1,219
2Alfred$1,166
3Amityville$2,206
4Amsterdam$1,244
5Auburn$1,225
6Babylon$2,216
7Batavia$1,183
8Bath$1,016
9Binghamton$1,112
10Buffalo$1,645
11Callicoon$1,758
12Canandaigua$1,114
13Cobleskill$1,216
14Cold Spring$1,687
15Cooperstown$1,253
16Corning$994
17Cortland$1,162
18Dunkirk$1,357
19East Hampton$1,696
20Ellenville$1,671
21Ellicottville$1,161
22Elmira$1,024
23Fairport$1,092
24Farmington$1,094
25Fulton$1,170
26Garden City$2,445
27Geneva$1,083
28Glens Falls$1,128
29Gloversville$1,176
30Hamburg$1,301
31Hempstead$2,860
32Henrietta$1,187
33Herkimer$1,159
34Hornell$1,079
35Hudson$1,359
36Huntington$2,176
37Hyde Park$1,551
38Ithaca$1,125
39Jamestown$1,097
40Kingston$1,516
41Lawrence$2,692
42Le Roy$1,149
43Lindenhurst$2,212
44Little Falls$1,139
45Lockport$1,280
46Massapequa$2,475
47Mattituck$1,660
48Mayville$1,129
49Medina$1,236
50Melville$2,195
51Middletown$1,799
52Millerton$1,478
53Mineola$2,388
54Monsey$1,953
55Nanuet$2,004
56Narrowsburg$2,038
57New City$1,982
58New York$2,973
59Newark$1,096
60Newburgh$1,763
61Niagara Falls$1,286
62North Tonawanda$1,173
63Norwich$1,192
64Nyack$1,784
65Olean$1,030
66Oneida$1,149
67Oneonta$1,225
68Orchard Park$1,292
69Oswego$1,178
70Palmyra$1,100
71Pelham$1,921
72Penfield$1,101
73Penn Yan$1,122
74Plattsburgh$1,094
75Port Chester$1,724
76Poughkeepsie$1,544
77Rochester$1,187
78Rome$1,196
79Sag Harbor$1,653
80Salamanca$1,137
81Saratoga Springs$1,140
82Saugerties$1,413
83Schenectady$1,194
84Southampton$1,657
85Springville$1,137
86Syracuse$1,329
87Tonawanda$1,195
88Troy$1,218
89Utica$1,329
90Watertown$1,149
91Webster$1,090
92Wellsville$1,036
93Westfield$1,131
94Westhampton$1,695
95White Plains$1,819

Auto Insurance in New York: Minimum Coverage Requirements

To be properly insured in New York, the state requires that any policy you have meets or exceeds the liability and personal injury protection levels below:

  • Bodily Injury (BI): $25,000 per person / $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 / $50,000 per accident

Even though these are the lowest coverage limits you can get, we'd recommend increasing the limits to meet how much you have in assets. That's because if you have an expensive accident - say a multiple car pile-up with pedestrian injuries on the crowded streets of Manhattan - your car insurance will only cover up to the stated amounts. You'd probably be sued for the rest of the damages, which would come out of your own pocket.

How We Conducted the Study

We based our study on the auto insurance rates for a single 30 year old male driver in the state of New York. He owns and operates a 2011 Toyota Camry primarily to commute to work and drives it about 12,000 miles a year. His credit history is in good condition, and he hasn't had an accident or traffic violation in the past five years that he was licensed.

The coverage contemplated in our study provides about twice the protection required in the state. Included in our study are national insurers such as GEICO, Allstate, and State Farm, as well as regional underwriters such as New York Central Mutual and Erie.

  New York Required Minimum Study Limits
Bodily Injury Liability (BIL) $25,000 per person, and $50,000 per person, and
  up to $50,000 per accident up to $100,000 per accident
Property Damage $10,000 per accident $25,000
Personal Injury Protection $50,000 $50,000
Uninsured / Underinsured Motorist BIL Optional $50,000 per person, and
    up to $100,000 per accident
Collision / Comprehensive Deductible Optional $500

Sources:
New York Minimum Auto Insurance Requirements
New York City Means of Transportation to Work

Automobile Insurance Complaints in New York

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