Cheapest New York Car Insurance Quotes (2025)
Progressive has the cheapest car insurance quotes in NY, at only $100 per month for a full coverage policy.
Find Cheap Auto Insurance Quotes in New York
Best cheap auto insurance in NY
How we chose the top companies
Best and cheapest car insurance in New York
- Cheapest full coverage: Progressive, $100/mo
- Cheapest minimum liability: NYCM, $40/mo
- Cheapest for young drivers: NYCM, $69/mo
- Cheapest after a ticket: Progressive, $103/mo
- Cheapest after an accident: NYCM, $134/mo
- Cheapest for teens after a ticket: State Farm, $64/mo NYCM, $69/mo
- Cheapest after a DUI: Progressive, $105/mo
- Cheapest for poor credit: Nationwide, $182/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Progressive has the cheapest rates for most New Yorkers, but NYCM is the best choice for people who want great customer service. NYCM has excellent customer reviews, and its rates are typically affordable.
Cheapest car insurance rates in NY: Progressive
Progressive is the cheapest car insurance company in New York for full coverage insurance.
A full coverage policy from Progressive costs $100 per month, which is $89 per month less than the average cost in New York.
NYCM also has very affordable full coverage rates, and its customer service reviews are much better than Progressive.
A policy from NYCM costs $111 per month, and it includes rental car reimbursement. Most companies, including Progressive, charge extra for this coverage.
Find Cheap Auto Insurance Quotes in New York
The average cost of auto insurance in New York is $189 per month for a full coverage policy.
That's $14 per month more than the national average. This is partially because of the heavy traffic — which means a greater risk of accidents — in highly populated areas like New York City and Long Island.
Cheapest full coverage NY car insurance quotes
Company | Monthly rate | |
|---|---|---|
| Progressive | $100 |
| NYCM | $111 |
| Nationwide | $182 |
| State Farm | $205 |
| Geico | $216 |
*USAA is only available to current and former military members and their families.
Auto insurance policies in New York automatically include an extra coverage called supplemental spousal liability insurance for married drivers, as of August, 2023.
This coverage costs an extra $22 per year on average, but the cost varies by company. To decline supplemental spousal liability insurance, you must contact your insurance company and fill out what's called a declination form.
Cheapest liability auto insurance in New York: NYCM
NYCM offers the cheapest liability car insurance in New York state.
NYCM's average rate of $40 per month is less than half the average rate statewide. The average cost of auto insurance in New York is $95 per month for minimum liability insurance.
Best cheap liability insurance in NY
Company | Monthly rate |
|---|---|
| NYCM | $40 |
| Progressive | $55 |
| Nationwide | $84 |
| Geico | $100 |
| State Farm | $116 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in New York
Auto insurance rates in New York City
The average cost of auto insurance in NYC is $378 per month for full coverage.
That's nearly twice as expensive as the New York state average. Brooklyn is the most expensive borough for car insurance, at $492 per month.
Cost of car insurance in NYC
Borough | Monthly rate |
|---|---|
| New York City | $378 |
| Manhattan | $302 |
| Staten Island | $325 |
| Queens | $402 |
| Bronx | $429 |
| Brooklyn | $492 |
Cheapest car insurance in NYC
Progressive has the cheapest car insurance quotes in NYC.
At $174 per month, a full coverage policy from progressive costs $200 per month less than the citywide average.
Company | Monthly rate |
|---|---|
| Progressive | $174 |
| NYCM | $321 |
| Nationwide | $335 |
| Geico | $360 |
| State Farm | $457 |
| Allstate | $510 |
| Travelers | $548 |
| USAA* | $246 |
*USAA is only available to current and former military members and their families.
More New York cities
Cheapest car insurance in NY for young drivers: NYCM
NYCM has the best quotes for New York teens.
A minimum liability policy from NYCM costs just $69 per month for an 18-year-old driver in New York. That's one-quarter of the average cost in New York.
Full coverage car insurance from NYCM costs $194 per month for teen drivers, which is nearly one-third of the average cost.
Best cheap car insurance in NY for teens
Company | Liability only | Full coverage |
|---|---|---|
| NYCM | $69 | $194 |
| Progressive | $179 | $300 |
| Nationwide | $242 | $525 |
| Allstate | $360 | $767 |
| State Farm | $368 | $656 |
*USAA is only available to current and former military members and their families.
The average cost of minimum liability car insurance for 18-year-old drivers in New York is $277 per month. That's about three times more than the cost for 30-year-old drivers.
Teen drivers typically pay much more for car insurance because insurance companies see them as more likely to cause a future accident. This is due to their lack of driving experience and tendency to take risks behind the wheel.
Young drivers can save a lot of money by sharing a policy with their parents or an older relative.
Cheapest insurance in NY after a speeding ticket: Progressive
Progressive has the cheapest quotes for New Yorkers with a speeding ticket. A full coverage policy from Progressive costs $103 per month. That's only $3 per month more than drivers with a clean record pay for coverage from Progressive, and less than half the New York state average.
NYCM is also an excellent choice for drivers with a recent ticket. At $111 per month, a full coverage policy from NYCM is only $8 per month more than Progressive. And NYCM offers much better customer service.
Best NY auto insurance quotes after a ticket
Company | Monthly rate |
|---|---|
| Progressive | $103 |
| NYCM | $111 |
| Nationwide | $208 |
| State Farm | $225 |
| Geico | $278 |
*USAA is only available to current and former military members and their families.
New York drivers with a single speeding ticket can expect their rates to go up by around 16%. That's an average increase of $29 per month for a full coverage policy.
Cheapest NY car insurance after an accident: NYCM
NYCM has the most affordable car insurance for New York drivers with an accident on their record. The cost of full coverage auto insurance from NYCM is $134 per month after a crash. That's around half the average cost of coverage after an accident in New York, which is $243 per month.
Company | Monthly rate |
|---|---|
| NYCM | $134 |
| Progressive | $158 |
| Nationwide | $239 |
| State Farm | $245 |
| Allstate | $281 |
*USAA is only available to current and former military members and their families.
Car insurance rates in New York go up by an average of 29% after an at-fault accident. That's around $54 per month more than drivers with a clean record pay for full coverage.
Don't rush to switch insurance companies right after your accident. Your insurance rates won't go up until your current policy renews. So, your quotes will probably be higher than what you're currently paying.
Instead, wait until your current company sends info on your policy renewal. This should include your new insurance rate. Then, you should compare quotes from multiple companies to see who offers you the best post-accident quotes.
Cheapest quotes for teens with a ticket or accident: NYCM
NYCM has the cheapest quotes for teens with a bad driving record.
Teens with a single speeding ticket pay around $69 per month for a minimum liability policy from NYCM. That's around one-quarter of the state average.
A minimum liability policy from NYCM costs $100 per month for an 18-year-old driver with an at-fault accident on their record. Coverage from NYCM is $229 per month less than the New York average for these drivers.
Affordable car insurance in NY for teens with a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| NYCM | $69 | $100 |
| Progressive | $179 | $203 |
| Nationwide | $259 | $272 |
| State Farm | $409 | $450 |
| Travelers | $450 | $509 |
*USAA is only available to current and former military members and their families.
The average price of minimum liability coverage for an 18-year-old with a speeding ticket is $314 per month. The average price after a crash is $329 per month. Those are 13% and 19% more than for a typical teen driver, respectively.
Best cheap car insurance in NY after a DUI: Progressive
Progressive has the most affordable quotes in New York after a DUI. The company's average price is just $105 per month for full coverage. That's only $5 per month more than a driver with a clean record pays for Progressive insurance, and one-third the average rate overall.
Company | Monthly rate |
|---|---|
| Progressive | $105 |
| NYCM | $165 |
| Nationwide | $297 |
| Travelers | $360 |
| Allstate | $392 |
*USAA is only available to current and former military members and their families.
Drivers with DUIs pay $167 per month more for full coverage car insurance in New York than people with clean driving records. That's because insurance companies believe drivers with a DUI are more likely to cause an accident in the future.
In addition, New York drivers with a DUI may have to get SR-22 insurance.
An SR-22 filing typically costs between $15 and $50, on top of your regular rate increase.
Cheapest NY car insurance for drivers with poor credit: Nationwide
Nationwide has the most inexpensive car insurance in NY for drivers with a poor credit score, at $182 per month for full coverage. That's less than half the New York average. It's also $81 per month less than the second-cheapest company, NYCM.
Cheap auto insurance quotes in NY for bad credit
Company | Monthly rate |
|---|---|
| Nationwide | $182 |
| NYCM | $263 |
| Geico | $307 |
| State Farm | $447 |
| Allstate | $470 |
*USAA is only available to current and former military members and their families.
Drivers in New York with bad credit pay $427 per month for full coverage, on average. That's $237 per month more than a driver with good credit. Insurance companies charge drivers with poor credit more for car insurance because they believe those drivers are more likely to file a future claim.
Best car insurance in NY
NYCM has the best auto insurance for NY state drivers.
NYCM earned a high score on J.D. Power's customer satisfaction survey, and it gets very few complaints for a company its size. In addition, NYCM's rates are very affordable and it offers good coverage options.
Top car insurance companies in NY
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| NYCM | 659 | A | |
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Nationwide | 641 | A | |
| Geico | 637 | A++ |
Eligible drivers in New York can also find great support at USAA. However, USAA only sells car insurance to military members, veterans and their families, so it's not an option for most people.
State Farm is also highly rated, but it typically costs more than other companies in NY.
Average cost of auto insurance in New York by city
Brooklyn has the most expensive auto insurance quotes in New York state, at $479 per month for full coverage.
Gang Mills, a hamlet near Corning in western New York, is the cheapest city for car insurance. Drivers in Gang Mills pay an average of $132 per month for full coverage insurance.
NY auto insurance quotes by city
City | Monthly Rate | % from average |
|---|---|---|
| Accord | $194 | 2% |
| Acra | $182 | -4% |
| Adams | $142 | -26% |
| Adams Basin | $143 | -25% |
| Adams Center | $139 | -27% |
Full coverage car insurance quotes in New York state can vary by as much as $347 per month, depending on where you live. Typically, auto insurance is more expensive in large cities, where accidents and car theft are more common.
What is the minimum auto insurance coverage in New York?
New York requires drivers to have a minimum amount of bodily injury and property damage liability coverage, sometimes written as 25/50/10. In addition, drivers in New York must have uninsured motorist bodily injury coverage and personal injury protection.
- Bodily injury liability (BI): $25,000 per person and $50,000 per accident, plus double for death
- Property damage liability (PD): $10,000 per accident
- Uninsured motorist bodily injury (UMBI): $25,000 per person and $50,000 per accident, plus double for death
- Personal injury protection (PIP): $50,000 per accident
Supplemental spousal liability insurance NY
All auto insurance policies for married drivers in New York automatically include a new coverage called supplemental spousal liability insurance (SSLI), as of August 2023.
This coverage allows you to make a claim against your spouse's insurance if you're hurt in an accident while they're driving.
Your supplemental spousal liability insurance limit is typically the same as your bodily injury liability limit. However, you can only use this coverage once you've used all of your personal injury protection (PIP) coverage.
You can decline supplemental spousal liability insurance by contacting your insurance company and filling out the NY supplemental spousal insurance what is called a declination form.
Supplemental spousal liability insurance costs an average of $22 per year.
However the cost varies by company. For example, Allstate doesn't charge extra for this coverage. But Geico customers pay an additional $73 per year for the coverage, on average.
Average cost of supplemental spousal liability insurance
Company | Annual cost |
|---|---|
| Allstate | $0 |
| Progressive | $2 |
| Erie | $6 |
| USAA | $14 |
| State Farm | $23 |
| Geico | $73 |
What's the best car insurance coverage to get in New York?
Most New York drivers should get full coverage car insurance, which includes comprehensive and collision coverage.
If you have a car loan or lease, your lender typically requires you to have these coverages. That's because they pay for damage to your car in many situations, regardless of whose fault it is. You should also consider adding comprehensive and collision coverage if your car is less than eight years old or worth more than $5,000.
In addition, full coverage policies typically have higher liability limits than the state requirement. Higher liability limits are a good idea because New York's required limits may not be high enough to pay for a serious accident.
For example, New York only required $10,000 of property damage liability insurance. If you crash into a Tesla and the other car is totaled, $10,000 won't be enough to fully replace the other driver's car.
Frequently asked questions
How much are car insurance rates in New York?
The average cost of full coverage car insurance in New York is $189 per month. A minimum liability policy costs $95 per month for New Yorkers, on average.
How much is car insurance in NYC?
Full coverage NYC car insurance costs around $378 per month, but the cost varies by borough. Manhattan is the cheapest, at $302 per month, while Brooklyn is the most expensive, at $492 per month. Progressive has the cheapest car insurance for drivers in NYC.
What is the cheapest car insurance in NY?
Progressive has the cheapest full coverage quotes in New York, at $100 per month for a full-coverage policy. However, the cheapest company isn't always the best choice for you. NYCM is a better choice for most New Yorkers. It offers full coverage insurance for $111 per month, and has much better customer service than Progressive.
Why is car insurance so expensive in New York?
New York is the ninth-most expensive state for minimum-coverage insurance, and the 16th most expensive for full coverage. This is in part because New York is a no-fault state, which means drivers need to have personal injury protection. This coverage can be expensive. In addition, many areas in New York have heavy traffic congestion, which can lead to more accidents.
Methodology
To find the best cheap auto insurance in New York state, ValuePenguin collected quotes from the largest NY auto insurance companies across all ZIP codes in the state. Quotes are for a 30-year-old man with good credit who owns a 2015 Honda Civic EX.
Rates are for a full coverage policy with comprehensive and collision coverage, along with higher liability limits than required for New York drivers. Rates don't include supplemental spousal liability coverage.
- $50,000 of bodily injury liability coverage per person and $100,000 per accident
- $25,000 of property damage liability
- $50,000 of bodily injury uninsured motorist coverage per person and $100,000 per accident
- $50,000 of personal injury protection
- Collision and comprehensive coverage with a $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company 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.
