Cheap New York Car Insurance

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

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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 Premiums in New York

What's the cheapest car insurance in New York?
RankCompany NameAvg. Annual Premium
8Preferred Mutual$2,266
9State Farm$2,381

Compare insurance quotes from over 20 insurance companies that provide coverage in New York by entering your ZIP code below.

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Cheap Insurance for Good Drivers in New York

Good drivers can save money on car insurance if you 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$21212.79%
No Accidents$49725.59%
Good Credit$1,43149.78%

Cheap 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.

AgeAnnual Rate with ParentsAnnual Rate Alone

Cheap Car 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 FactorAnnual Rate% Increase
At-Fault Accident$1,94025.59%
Speeding Violation$1,65612.79%
Bad Credit$2,87549.78%

Best 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.

Compare top insurance companies' financial strength and claims satisfaction levels to better understand the quality of service you will receive. Claims satisfaction — assigned by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and varying from "Poor" to "Superior" — assesses an insurer's financial strength and ability to fulfill its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
21st Century3Excellent
Central MutualNot RatedExcellent
Liberty Mutual3Excellent
New York Central MutualNot RatedSuperior
State Farm3Superior


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What is the best auto insurance coverage in New York?

The minimum required insurance level in the state of New York is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

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.

Contrast average expenditures for basic, good, and great insurance levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
New York$859.55$1,427.54$1,587.29
National Average$657.66$1,241.26$1,397.94

New York Auto Insurance Laws

State minimum insurance requirements in New York

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

  • 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)
  • $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)

Learn more about New York State's auto insurance requirements

New York is a no-fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of their own costs, and theoretically, the chances of someone suing over culpability are decreased. As a bonus, it guarantees every driver immediate medical treatment in the event of an accident.

New York does not allow insurers to use education or occupation as rating factors.

Car insurance companies aren't allowed to judge potential clients by their occupation or education levels. This state law is intended to ensure fair access to affordable auto insurance, with rates based on driving performance, rather than non-driving-specific details. 

Driving Laws in NY State

New York Texting and Driving Laws

  1. Ban on hand-held cell phones
  2. Ban on text messaging for all drivers

New York DUI Laws

The lookback period for most DWI offenses in New York is 10 years. However, multiple offenses within a 25-year period may also lead to enhanced penalties.

All penalties include an annual assessment fine of $250 for three years and a possible requirement to attend the New York Drinking Driver Program at the offender’s expense.

First-time DWI or DWAI-Drug offenses in New York lead to:

  • Up to one year in jail
  • $500 to $1,000 in fines
  • License revoked for at least six months for DWI
  • License suspended for at least six months for DWAI-Drugs

Ticket Impact on Auto 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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$3,07382%$1,385
Refused Breathalyzer/Chemical Test$3,01479%$1,326
Reckless Driving$2,64957%$961
Driving with a Suspended License$2,32638%$638
At-Fault Accident$1,93915%$251
Driving with an Open Container$1,8117%$123
Operating a Vehicle Without Permission$1,7815%$93
Passing a School Bus$1,7785%$90
Improper Passing$1,7785%$90
Following Too Closely$1,7815%$93
Failure to Stop at a Red Light$1,7815%$93
Illegal Turn$1,7815%$93
Driving Wrong Way/Wrong Lane$1,7815%$93
Failure to Yield$1,7815%$93
Speeding in a School Zone$1,7946%$106
Driving Too Slowly$1,7946%$106
Distracted Driving$1,7815%$93
Driving with Expired Registration$1,7172%$29
Failure to Show Documents$1,7172%$29
Not-at-Fault Accident$1,6880%$0
Failure to Use Child Safety Restraint$1,6880%$0
Failure to Wear a Seat Belt$1,6880%$0
Driving Without Lights$1,6880%$0

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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 a no-fault state, which can make car insurance more expensive because drivers are required to carry PIP coverage. Moreover, uninsured motorist coverage is also required by law in New York state. In order to see a complete picture of why your rate is so expensive, consider your driving profile. Do you live in a dense area such as Manhattan, Brooklyn, Queens, or the Bronx? Do you have accidents on your record? Are you with the right company? These questions can help you determine why you might be paying too much for car insurance.

What happens when your car insurance lapses in New York?

This depends on the length for which your insurance coverage lapsed. New York state assigns daily fees depending on the length of the lapse. The longer you allow coverage to lapse, the greater your fine will be.

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.

RankCityAvg. Annual Premium
2New York$3,004
4Mount Vernon$2,524
8West Babylon$2,371
11New Rochelle$2,006
12White Plains$1,931
14Niagara Falls$1,476

Recent New York Car Insurance Questions and Answers

If a ticket on my record passes 3 years, is my company required to lower my rate?

Tickets should only be chargeable for 3 years from the issue date. However, some companies will not adjust your rate until your policy renews which is likely what your agent was referring to.

Monetary penalty after not having insurance?

Your insurance history is a rating factor for determining your insurance premium, so yes, there will probably be some monetary impact for this. However, it's unlikely it will be too expensive.

At what age does car insurance decrease?

While your insurance premium is calculated by a lot of variables, your age and driving experience/history are big factors. If you're a young driver, you can expect your age to impact your rate until you're 25.

Why does Allstate count hail damage against you?

Insurance companies are in business, primarily, to make money. When a customer files multiple claims within a certain time frame (usually 3 years), this begins to cost the insurance company more money than they are receiving from that customer.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, and Kin Insurance.