Cheap New York Car Insurance

Find affordable auto insurance that works for you in New York. Compare quotes from over 100 top companies.

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Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Here's what you need to know when driving in New York

Across the Empire State, there are 242,769 miles of road just waiting to be driven. We’ll get you prepped with the best and cheapest insurance, then you take the wheel.


 

Affordable insurance companies New York

What's the cheapest car insurance in New York?
Rank Company Name Avg. Annual Premium
1 Erie $1,230
2 Travelers $1,544
3 MetLife $1,604
4 Hanover $1,895
5 Safeco $1,927
6 USAA $1,930
7 Allstate $2,231
8 Preferred Mutual $2,266
9 State Farm $2,381
10 Progressive $2,401

Compare insurance quotes from dozens of companies that provide coverage in New York by entering your ZIP code below.

Compare New York car insurance quotes from top providers.

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Cheap auto insurance for good drivers in New York

Good drivers can save money on car insurance if they have no at-fault accidents, speeding tickets, or DUIs. Insurance companies use your driving record as a way to predict what kind of risk you will pose to them. So, by not having any of these violations you are less risky and therefore cheaper customer for them. In addition to having a cheaper premium, some companies offer a Good Driver discount. While the amount varies based on your company, it can range between 5-10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.

Rating Factor $ Savings % Savings
No Traffic Tickets $212 12.79%
No Accidents $497 25.59%
Good Credit $1,431 49.78%

 

Cheap auto insurance for young drivers in New York

Young drivers, those between the ages of 16-25, pay the most for car insurance across the US. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that Geico, Progressive, and Liberty Mutual are the cheapest companies.

Age Annual Rate with Parents Annual Rate Alone
16 $6,915 $5,370
17 $6,415 $5,543
18 $6,581 $4,509
19 $5,601 $3,368

 

Cheap auto insurance for bad drivers in New York

Having a bad driving record can be a huge burden for getting cheap car insurance - no matter your location. In New York in 2017, a DUI raised rates an average of $1,208 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.

Rating Factor Annual Rate % Increase
At-Fault Accident $1,940 25.59%
DUI $2,228 35.20%
Speeding Violation $1,656 12.79%
Bad Credit $2,875 49.78%

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Top rated car insurance companies in New York

Every car insurance company brags about its low rates. But as with any service, the most affordable option is not always the best choice. Considering the stakes, it's worthwhile to do your due diligence to obtain an insurance policy that protects your vehicle adequately after a collision. Work to find the best value, instead of settling for the cheapest auto insurance you can find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Allstate Average Average Superior 4.3 / 5
Amica Excellent Excellent Superior N/A
Erie Excellent Above average Superior 4.5 / 5
Liberty Mutual Average Above average Good 4.2 / 5
MetLife N/A Below average Excellent N/A
Progressive Below average Below average Excellent 4.3 / 5
Safeco Average Average Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 5

New York auto insurance laws

In New York, drivers are required to maintain insurance at or above the below state minimum coverage level:

Liability

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $10,000 per accident

Uninsured/Underinsured Motorist

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident

Personal Injury Protection (PIP) (required since NY is considered a no-fault state)

  • $50,000 per person

Optional coverage in New York (varies by carrier):

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Supplemental Uninsured/Underinsured Motorist Bodily Injury (SUM)
  • Additional Personal Injury Protection (APIP)
  • Optional Basic Economic Loss (OBEL)

If you carry the legal minimum coverage level in New York, prepare to pay an average of $860 each year. This outlay is more than the nationwide average by 31%. If you opt for better coverage, you can select a policy with comprehensive and collision coverage, protecting against damages caused by car-vs.-car collisions, theft, or weather incidents. However, better auto insurance coverage comes with a cost: in New York, a comprehensive insurance policy with a $1,000 deductible runs $1,428, 66% more than liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 85% more than you might for liability-only coverage.

Learn more about New York State's auto insurance requirements

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How tickets change insurance rates in New York

When you receive a ticket your auto insurance premiums will probably rise. How much your rates rise depends on the violation's severity, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a snapshot of typical auto insurance rates in New York after a few common citations.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $3,073 82% $1,385
Refused Breathalyzer/Chemical Test $3,014 79% $1,326
DUI $3,014 79% $1,326
Racing $2,383 41% $695
Reckless Driving $2,649 57% $961
Driving with a Suspended License $2,326 38% $638
At-Fault Accident $1,939 15% $251
Driving with an Open Container $1,811 7% $123
Operating a Vehicle Without Permission $1,781 5% $93
Passing a School Bus $1,778 5% $90
Improper Passing $1,778 5% $90
Following Too Closely $1,781 5% $93
Speeding $1,874 11% $186
Failure to Stop at a Red Light $1,781 5% $93
Illegal Turn $1,781 5% $93
Driving Wrong Way/Wrong Lane $1,781 5% $93
Failure to Yield $1,781 5% $93
Speeding in a School Zone $1,794 6% $106
Driving Too Slowly $1,794 6% $106
Distracted Driving $1,781 5% $93
Driving with Expired Registration $1,717 2% $29
Failure to Show Documents $1,717 2% $29
Not-at-Fault Accident $1,688 0% $0
Failure to Use Child Safety Restraint $1,688 0% $0
Failure to Wear a Seat Belt $1,688 0% $0
Driving Without Lights $1,688 0% $0

 

New York Car Insurance FAQs

Who has the cheapest car insurance in New York?

Our data indicate Erie ($615) and Travelers ($772) have the cheapest premiums in New York.

What is the average cost of car insurance in New York?

The average cost of car insurance in New York is $1,587 per year for full coverage and $859 for liability-only insurance.

Why is car insurance so expensive in New York?

New York is an expensive state in which to get car insurance, but much of this depends on where you live. Drivers in New York City pay $1,600 more per year for auto insurance than do drivers in the rest of the U.S. It has to do with the number of insured drivers and claims per ZIP code. Learn more about how to save on car insurance with The Zebra.

How much does car insurance cost in New York cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Irondequoit, New York, and the most expensive in Hempstead, New York.

Rank City Avg. Annual Premium
1 Hempstead $3,133
2 New York $3,004
3 Brentwood $2,517
4 Yonkers $2,373
5 West Babylon $2,371
6 Buffalo $1,699
7 Syracuse $1,417
8 Albany $1,329
9 Rochester $1,296
10 Irondequoit $1,217

 

RECENT QUESTIONS

Will insurance cover damage to the computer of a leased car?

I'm sorry to hear about the situation. Unless the damages were the result of vandalism or an accident, your insurance company will not get involved in the issue.
Jun 23, 2020 Ilion, NY

Can I get accident forgiveness after an accident?

I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Jul 31, 2019 Brooklyn, NY

Moving abroad for a while, but don't want to loose the plates in NY. What should I do?

Unfortunately, as long as the car is registered and still has plates, you have to maintain insurance on the car. There really is no way around it.
Sep 3, 2018 Brooklyn, NY

How do I sell my car to an out-of-state buyer?

You will need to transfer the title of the vehicle to the new buyer. It is important that you fill in all of the appropriate areas required in the title certificate when selling the vehicle to another party.
Jul 29, 2017 New York, NY

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.