You can find the cheapest full-coverage car insurance in New York for $85 a month from Progressive. It saves you $71 compared to the state average car insurance cost of $156 monthly.
Shopping for car insurance in New York can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“Drivers looking to get the cheapest insurance premiums in New York should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Among the companies analyzed by CarInsurance.com, Progressive stands out as the cheapest option for full coverage car insurance in New York, with an insurance premium of $85 per month.
- Drivers in New York with a clean record pay 33% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in New York is Big Flats, with an annual premium of $1,449.
- New York drivers can save up to 46% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance in New York?
Progressive offers the cheapest car insurance rates in New York for a full coverage policy with an average premium of $85 per month or around $1,020 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in New York by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in New York per month
| Company | Full coverage monthly rates |
|---|---|
| Progressive | $85 |
| NYCM Insurance | $108 |
| Geico | $145 |
| Erie Insurance | $151 |
| State Farm | $163 |
| Allstate | $171 |
| The Hanover | $188 |
| Travelers | $223 |
| Chubb Ltd | $245 |
| USAA* | $130 |
Note: USAA is only available to military community members and their families.
New York drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 9% less than single drivers.
- New York drivers with clean records pay 33% less than drivers who have a DUI on their record.
- New York drivers in their 20s pay 55% lower rates for insurance than a 16-year-old in New York.
- Adding a teen to your policy will cost you 66% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 21% less on their insurance premiums.
- Drivers insured for three or more years can save up to 13% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 6% for this state more on their premiums.
Cheapest companies for different coverage levels in New York
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- NYCM Insurance is the cheapest for a state minimum policy.
- Progressive has the cheapest rates for a liability-only policy (50/100/50).
- Progressive offers the cheapest car insurance for a full coverage policy (100/300/100) in New York.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest state minimum coverage in New York
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In New York, you must have at least the following insurance coverage on your car.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in New York, ranked from cheapest to most expensive for state minimum coverage.
| Company | State minimum annual rates |
|---|---|
| NYCM Insurance | $420 |
| Progressive | $428 |
| Geico | $555 |
| Erie Insurance | $575 |
| Allstate | $861 |
| Chubb Ltd | $872 |
| State Farm | $885 |
| The Hanover | $1,016 |
| Travelers | $1,362 |
| USAA* | $594 |
Note: USAA is only available to military community members and their families.
Cheapest New York insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from New York’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Progressive | $467 |
| NYCM Insurance | $475 |
| Geico | $668 |
| Erie Insurance | $689 |
| Allstate | $961 |
| Chubb Ltd | $964 |
| State Farm | $1,005 |
| The Hanover | $1,170 |
| Travelers | $1,467 |
| USAA* | $630 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in New York
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in New York, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full coverage annual rates |
|---|---|
| Progressive | $1,020 |
| NYCM Insurance | $1,300 |
| Geico | $1,736 |
| Erie Insurance | $1,814 |
| State Farm | $1,951 |
| Allstate | $2,056 |
| The Hanover | $2,262 |
| Travelers | $2,677 |
| Chubb Ltd | $2,942 |
| USAA* | $1,557 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in New York, by driving history
Your driving history affects how much you pay for insurance in New York because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $523 more annually in New York than an individual with a clean driving record.
Cheap car insurance in New York after a speeding ticket
If you have a speeding ticket on your New York driving record and you are looking for cheap car insurance, Progressive offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $830 per year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $728 | $830 | 14% | $102 |
| American Family | $1,117 | $1,309 | 17% | $192 |
| Geico | $1,238 | $1,719 | 39% | $480 |
| State Farm | $1,645 | $1,805 | 10% | $160 |
| Erie Insurance | $1,462 | $1,838 | 26% | $376 |
| Allstate | $1,655 | $2,029 | 23% | $374 |
| Travelers | $2,355 | $2,750 | 17% | $395 |
| Kemper Insurance | $2,587 | $3,229 | 25% | $642 |
| Mercury Insurance | $4,513 | $5,579 | 24% | $1,066 |
| USAA* | $1,370 | $1,531 | 12% | $161 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance premiums in New York after a DUI conviction
New York drivers with a DUI on their record can get the cheapest car insurance from Progressive at an average of $761 a year, followed by American Family with an annual premium of $1,382 annually, based on recent data.
If you have a clean record, you are likely to pay 33% less for car insurance than someone with a DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $728 | $761 | 5% | $33 |
| American Family | $1,117 | $1,382 | 24% | $265 |
| State Farm | $1,645 | $1,805 | 10% | $160 |
| Allstate | $1,655 | $2,315 | 40% | $660 |
| Erie Insurance | $1,462 | $2,663 | 82% | $1,201 |
| Travelers | $2,355 | $2,817 | 20% | $462 |
| Geico | $1,238 | $3,365 | 172% | $2,127 |
| Kemper Insurance | $2,587 | $4,937 | 91% | $2,349 |
| Mercury Insurance | $4,513 | $5,820 | 29% | $1,307 |
| USAA* | $1,370 | $1,973 | 44% | $604 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in New York after an at-fault accident
If you’re a driver with an at-fault accident on your record, Progressive is the cheapest option, offering car insurance at an average cost of $1,015 annually.
American Family is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,451.
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $728 | $1,015 | 39% | $287 |
| American Family | $1,117 | $1,451 | 30% | $334 |
| Geico | $1,238 | $1,719 | 39% | $480 |
| State Farm | $1,645 | $1,859 | 13% | $214 |
| Erie Insurance | $1,462 | $1,988 | 36% | $526 |
| Allstate | $1,655 | $2,026 | 22% | $370 |
| Travelers | $2,355 | $2,819 | 20% | $465 |
| Kemper Insurance | $2,587 | $3,556 | 37% | $968 |
| Mercury Insurance | $4,513 | $5,743 | 27% | $1,230 |
| USAA* | $1,370 | $1,689 | 23% | $319 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in New York
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In New York, Big Flats stands out as the city with the lowest auto insurance rates, at an average of $1,449 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in New York with the most affordable car insurance rates.
| City | Full coverage annual rates |
|---|---|
| Big Flats | $1,449 |
| Pine City | $1,457 |
| Penfield | $1,464 |
| Cadyville | $1,468 |
| Peru | $1,469 |
| Schuyler Falls | $1,472 |
| Ontario | $1,473 |
| Clifton Springs | $1,485 |
| Gansevoort | $1,487 |
| Gang Mills | $1,491 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in New York?
By comparing car insurance quotes, you can save an average of 46% per year for a full coverage policy in New York.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in New York: Save on premiums
In New York, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in New York below.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 3% | $135 |
| Anti-theft device | 1% | $108 |
| Daily commute | 8% | $499 |
| Days advanced purchase | 6% | $224 |
| Days per week driven | 6% | $385 |
| Education | 8% | $210 |
| Electronic funds transfer | 3% | $51 |
| Homeowner | 10% | $491 |
| Lower annual mileage | 9% | $456 |
| Loyalty – years renewal with company | 20% | $678 |
| Marital status | 9% | $249 |
| Multi policy | 10% | $531 |
| Paperless/electornic documents | 3% | $67 |
| Payment type | 10% | $491 |
| Primary use | 14% | $809 |
| Profession | 9% | $196 |
| Safety devices | 3% | $125 |
| Telematics | 8% | $280 |
| Years insured | 13% | $425 |
| Years licensed | 20% | $1,608 |
Final thoughts on cheap car insurance in New York
Our research shows that Progressive has the cheapest full coverage car insurance rates in New York for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in New York, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of New York for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/10.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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