Who Has the Cheapest New York Car Insurance Quotes? (2023)
Who Has the Cheapest New York Car Insurance Quotes? (2023)
Progressive has the best cheap car insurance quotes in New York, at $47 per month for a minimum coverage policy.
Best cheap car insurance companies in New York
To help you find the best cheap car insurance in New York state, our editorial team compared auto insurance quotes in every ZIP code for the top insurance companies in the state. We ranked the best car insurance 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 car insurance quotes in New York, we gathered quotes for liability-only coverage, which meets the state's minimum requirements of $25,000 in bodily injury liability per person and $50,000 per accident, the same amount of uninsured motorist coverage and $10,000 in property damage coverage and $50,000 in personal injury protection (PIP).
Quotes for full coverage policies include collision and comprehensive coverage in addition to higher liability limits than state minimums.
Cheapest auto insurance in New York: Progressive
Progressive offers the cheapest car insurance quotes in New York for minimum coverage insurance. Its typical rate of $47 per month is 39% less than the average rate statewide.
The average cost of car insurance in New York is $77 per month, or $925 per year, for minimum liability insurance.
Find Cheap Auto Insurance Quotes in New York
Drivers in New York can also find cheap car insurance from Erie, where a minimum coverage policy costs $64 per month. Although it's more expensive than Progressive, coverage from Erie is still 17% cheaper than average in New York.
Cheapest NY car insurance companies
Company | Monthly rate | |
|---|---|---|
| Progressive | $47 |
| Erie | $64 |
| Geico | $70 |
| State Farm | $76 |
| Travelers | $114 |
*USAA is only available to current and former military members and their families.
Minimum liability car insurance is the cheapest way to drive legally in New York state, but it could end up costing you more in the long run.
The liability limits included with minimum coverage may not be high enough to cover the full cost of damage after an expensive accident. In addition, minimum coverage insurance doesn't include any protection for damage to your own car.
Cheapest company for full coverage quotes in NY: Progressive
Progressive is the cheapest car insurance company in New York for full coverage insurance. A full coverage policy from Progressive costs $84 per month, which is 44% cheaper than average.
The average cost of full-coverage auto insurance in New York is $149 per month, or $1,790 per year.
Company | Monthly rate |
|---|---|
| Progressive | $84 |
| Erie | $123 |
| State Farm | $136 |
| Geico | $160 |
| Allstate | $212 |
*USAA is only available to current and former military members and their families.
Auto insurance policies with full coverage include more than the minimum liability insurance limits, as well as comprehensive and collision coverage.
Collision coverage pays for damage to your own vehicle after an accident, regardless of whose fault it is. Comprehensive coverage protects your car against damage due to things outside of your control, like a fallen tree bench or vandalism.
Cheap car insurance for NY drivers with prior incidents
Progressive, Erie and Geico all offer low rates for drivers with imperfect records.
Car insurance in New York is typically more expensive for drivers who have received a speeding ticket or DUI (driving under the influence) citation or have been in an at-fault accident. That's because insurance companies believe these drivers are more likely to be in an accident in the future.
Cheapest car insurance quotes in NY after a speeding ticket: Progressive
Progressive has the cheapest quotes for drivers in New York who have been caught speeding. A full coverage policy from Progressive costs $86 per month, which is only half as much as most drivers in New York pay for coverage after a ticket.
Company | Monthly rate |
|---|---|
| Progressive | $86 |
| State Farm | $149 |
| Erie | $152 |
| Geico | $205 |
| Travelers | $247 |
New York drivers with a single speeding ticket can expect their rates to go up by 17%, on average.
Cheapest for New York drivers after an accident: Erie
Erie has the best car insurance rates for New York drivers who have recently been in an accident. The cost of full-coverage auto insurance from Erie is $123 per month after a crash. That's 38% cheaper than average cost of coverage after an accident in New York, which is $199 per month.
Company | Monthly rate |
|---|---|
| Erie | $123 |
| Progressive | $133 |
| State Farm | $163 |
| Travelers | $275 |
| Allstate | $288 |
New Yorkers usually see a 34% increase in the cost of car insurance after an accident. However, some companies raise rates more than others. Erie doesn't always increase insurance rates after an accident, while drivers insured with Geico can expect an 81% increase.
That's why it's so important to compare quotes from multiple car insurance companies after an accident.
Cheapest car insurance for drivers with a DUI: Progressive
Progressive has the best rates in New York after a DUI — the typical price is just $88 per month. That's almost two-thirds cheaper than the average rate overall.
Company | Monthly rate |
|---|---|
| Progressive | $88 |
| State Farm | $149 |
| Erie | $204 |
| Travelers | $270 |
| Allstate | $295 |
Drivers with a DUI pay 62% more for car insurance in New York than people with a clean driving record. That's a difference of $93 per month, on average.
Cheapest car insurance quotes in NY for drivers with poor credit: Geico
Geico offers the best quotes for drivers in New York with poor credit, at $227 per month for full coverage. Geico's rates are $137 per month cheaper than average, and the company only increases rates by 42% for these drivers.
Company | Monthly rate |
|---|---|
| Geico | $227 |
| State Farm | $296 |
| Erie | $307 |
| Allstate | $356 |
| Travelers | $436 |
Drivers in New York with bad credit pay $215 more per month than drivers with good credit. That's an average increase of 144%.
Cheapest car insurance quotes for young drivers in New York: Geico
Geico has the best minimum and full coverage quotes for 18-year-old drivers in New York.
At $113 per month, a minimum coverage policy for a young driver from Geico is 48% cheaper than the state average. Full-coverage car insurance from Geico costs $247 per month, which is 41% cheaper than average.
Cheapest NY car insurance companies for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $113 | $247 |
| Progressive | $151 | $253 |
| State Farm | $238 | $433 |
| Erie | $259 | $435 |
| Allstate | $269 | $577 |
The average cost of minimum-coverage car insurance for 18-year-old drivers in New York is $218 per month — $141 per month more expensive than it is for 30-year-old drivers.
Teen drivers typically pay much more for car insurance. Insurance companies see them as more likely to cause an accident because of their lack of experience behind the wheel.
Young drivers can save a lot of money by sharing a policy with their parents or an older relative.
Cheapest quotes for young drivers with a speeding ticket: Geico
Geico has the cheapest quotes for young drivers in New York with one speeding ticket, at $131 per month for minimum coverage. That's $118 per month cheaper than average.
Company | Monthly rate |
|---|---|
| Geico | $131 |
| Progressive | $151 |
| State Farm | $265 |
| Erie | $302 |
| Travelers | $338 |
Speeding can cause the cost of car insurance to increase by around 14% for an 18-year-old driver in New York.
Cheapest company for teen drivers after an accident: Geico
Geico has the most affordable car insurance quotes for young New Yorkers after an accident, at $167 per month for minimum coverage. That's $100 cheaper per month than the average policy in New York for these drivers.
Company | Monthly rate |
|---|---|
| Geico | $167 |
| Progressive | $171 |
| Erie | $259 |
| State Farm | $291 |
| Travelers | $382 |
An 18-year-old driver in New York can expect to pay 23% more for insurance after causing a car crash. Accidents typically cause the cost of car insurance to increase because a driver responsible for one crash is more likely to cause another in the future.
Cheapest car insurance quotes in NY for married drivers: Progressive
Progressive has the lowest rates for married drivers in New York. Full coverage from progressive costs $66 per month, which is $42 less per month than the second-cheapest option, Erie.
Company | Monthly rate per car |
|---|---|
| Progressive | $66 |
| Erie | $108 |
| State Farm | $136 |
| Geico | $162 |
| Travelers | $217 |
Married drivers pay around 3% less for car insurance compared to single or unmarried drivers in New York.
Best car insurance companies in NY
The best insurance company in New York is Erie: It has superior customer service, useful coverage options and affordable quotes.
Some drivers in New York can also find great service at USAA. However, USAA only sells car insurance to military members, veterans and their families, so it's not an option for most people.
Best NY car insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| Erie | 870 | A+ | |
| State Farm | 842 | A++ | |
| Geico | 835 | A++ | |
| Travelers | 829 | A++ |
It's important for New Yorkers to consider customer service reviews when shopping for car insurance.
A company with reliable customer service can make your life easier after an accident by guiding you through the claims process and sending you a settlement check quickly. On the other hand, a company with poor customer service can take longer to process your claim, and you may have to pay more money after an accident.
Average car insurance cost in New York by city
The most expensive city for auto insurance in New York is Saint Albans, a neighborhood in Queens.
Plattsburg, a small town in northwest New York, is the cheapest city for car insurance.
Full-coverage car insurance quotes in New York state can vary by as much as $227 per month, depending on where you live. Drivers in Plattsburg pay around $101 per month for a full coverage policy, while those in Saint Albans pay $328 per month for the same coverage.
Typically, auto insurance is more expensive in large cities, where accidents and car theft are more common.
City | Average monthly cost | Percentage from average |
|---|---|---|
| Accord | $142 | -4% |
| Acra | $132 | -11% |
| Adams | $108 | -28% |
| Adams Basin | $105 | -29% |
| Adams Center | $105 | -30% |
Minimum requirements for auto insurance quotes in New York
New York requires drivers to have a minimum amount of bodily injury and property damage liability coverage in their auto insurance policies, sometimes written as 25/50/10. In addition, drivers in New York must have uninsured motorist bodily injury coverage and personal injury protection.
Coverage | Limit |
|---|---|
| Bodily injury liability (BI) | $25,000 per person and $50,000 per accident |
| Property damage liability (PD) | $10,000 per accident |
| Uninsured motorist bodily injury (UMBI) | $25,000 per person and $50,000 per accident |
| Personal injury protection (PIP) | $50,000 per accident |
Even though these are the lowest coverage limits you can get, we recommend buying more car insurance if you can afford it.
The minimum limits may not be high enough to cover the cost of a serious car accident, in which case you would have to pay for damages out of pocket. In addition, minimum coverage insurance doesn't protect your own car from damage.
Frequently asked questions
Who has the cheapest car insurance in New York?
Progressive has the cheapest car quotes in New York, at $47 per month for a minimum coverage policy. It also has the best price for full coverage, at $84 per month.
How much does car insurance cost in New York?
The average cost of minimum-coverage car insurance in New York is $77 per month. A full coverage policy costs $149 per month for New Yorkers, on average.
What city in NY has the cheapest car insurance?
Plattsburgh, a small town in upstate New York, is the cheapest place in the state for car insurance. Its residents pay an average price of $101 per month for full coverage.
How much does car insurance in New York City cost?
Full-coverage car insurance in New York city costs around $271 per month, which is 82% more expensive than the state average. In comparison, car insurance in Brooklyn costs an average of $313 per month.
How much car insurance is required in New York state?
Drivers in New York are required to have 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.
Methodology
We collected thousands of rates for ZIP codes across New York from the state's largest insurance companies. Quotes are based on a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Unless otherwise noted, quotes are based on a full coverage policy with comprehensive and collision coverage, along with higher liability limits than the minimum requirements in New York state:
Coverage | 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 |
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.