Location: Premiums vary by ZIP code; areas in New York, NY with higher crime or more uninsured drivers (like 10029 or 10451) tend to see higher rates than safer neighborhoods.
Car Insurance in New York, NY
- Progressive offers the cheapest car insurance in New York at $242/mo.
- Compare and save on auto insurance in or near New York, NY with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in New York at the right price.
About The Zebra's recommendations
Reviewed By Beth Swanson
Edited By Kristine Lee
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
How much does car insurance cost in New York?
The cost of auto insurance in New York is around $2,546 for a six-month policy or $424 per month on average. In 2026, Progressive offers New York's lowest full coverage rates at $242 per month.
NYC rates are significantly higher than the New York state average of $1,231, as well as the national average of $1,084.
Real quotes from real customers
Drivers across the country are saving money using The Zebra:
$
70
/mo
Our licensed agents guided a driver in Windham, ME find this smart deal on their Subaru Forester with Travelers Insurance.
$
58
/mo
Our licensed agents guided a driver in Highwood, IL find this smart deal on their Volvo S60 with GEICO.
$
49
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Our licensed agents guided a driver in New Tazewell, TN find this smart deal on their Buick Rendezvous with National General.
$
73
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Our licensed agents guided a driver in Aurora, CO find this smart deal on their Jeep Grand Cherokee with The General.
$
63
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Our licensed agents guided a driver in Johnson City, TN find this smart deal on their Ford Taurus with Bristol West.
$
66
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This quote from Dairyland Insurance helped a Nissan Rogue driver in Winston-Salem, NC cut their insurance costs.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheap liability and full coverage auto insurance in New York
In 2026, Progressive offers New York's lowest full coverage rates at $242 per month.
Full coverage car insurance usually includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 40% of New York drivers carry only basic coverage, which is okay for meeting the legal requirement, but it may leave you financially vulnerable after a crash.
You can also add options like roadside assistance or uninsured motorist coverage. They add a small cost but can save you from expensive out-of-pocket bills later, which we think makes them worth considering.
Source: The Zebra
Agent insight: Do Manhattan residents have trouble getting coverage, or is there an option other than traditional insurance?
"For Manhattan specifically, insuring a car is going to be tough. I know that certain carriers refuse to insure certain vehicles, like a Lexus, for example. So, I could see a lot of those residents going without car insurance and opting for Uber, Lyft, or something similar. If you don't have a car, you could consider a non-owner policy."
-Amber Vigil, Licensed Agent at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in New York.
Are you paying too much for auto insurance?
Agency Hours in New York, NY
Our friendly licensed agents help New York, NY drivers compare car insurance by phone or online—no office visit required!
- Monday - Friday: 8:00 AM - 12:00AM EST
- Saturday - Sunday: 10:00AM - 9:00PM EST
Car insurance rates after an accident in New York
In New York, an at-fault accident can raise your car insurance by $888 for a 6-month policy. Progressive offers the lowest average rates after an accident, with Travelers as the second-best option for drivers.
Maintaining a good driving record is the best way to avoid these increases. Premiums usually go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though major violations like DUIs can affect your rates even longer.
Updating data...
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $2,996 | $0 |
| One comp claim | $3,029 | $33 |
| Speeding 16 - 20 MPH over limit | $3,497 | $501 |
| At-Fault Accident | $3,883 | $888 |
| DUI | $4,630 | $1,634 |
| Leaving scene of an accident/hit and run | $4,670 | $1,674 |
Source: The Zebra
Why is car insurance in New York so expensive?
New York drivers pay higher rates due to a mix of local risks, weather, and driving trends.
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Weather: Winter storms, floods, and other severe weather raise repair costs and insurer risk, driving up premiums across the region.
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Drivers: With more traffic and about 27% of drivers uninsured, even safe drivers pay more to offset local accident and claim costs.
- Population: Manhattan, Brooklyn, and Queens have extremely congested roads, increasing accident risk.
New York drivers' individual car insurance rates are determined by insurers based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Some rating factors may change over time, so getting new quotes regularly can help drivers determine whether they are still receiving the best rates for their coverage needs.
Local insights
Drivers near you in New York weigh in
"GEICO was always the lowest for me, but when I got a electric car the rate they gave me was crazy high. I had to switch to Progressive."
-Reddit user on r/New York [1]
"GEICO has the best prices by far. Called around and even had another big competitor straight up tell me, "Just hold on to it; nobody in the industry can match that lol"
-Reddit user on r/New York [1]
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Find the best rates for both auto and home insurance in minutes!
New York car insurance FAQs:
Sources:
-
What car insurer would you recommend for NYC? Reddit.com
Questions from New York drivers:
Other people are also asking...
How can an insurance company add an accident to your record that never happened?
Dispute incorrect accident records with your insurer or CLUEI would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim. I imagine it was an error made on their part if it wasn't even your insured vehicle. If the comp…
Should I be worried about a winter driving claim with Travelers?
I don’t blame you for being cautious after your last experience! With Travelers, most people find the claims process smoother than average. You can report a claim anytime online or by phone, and they usually get an adjuster assigned quickly. A lot of drivers also like their ConciergeCLAIM repair pr…
Are my seats covered from damage caused by a rat?
When there is an animal-involved incident, your comprehensive coverage would pay for the damages to your car. The insurance company will have to pay to repair the damage that was done to the car. This doesn't mean that they have to pay for the removal of the rodent. That is something that the insur…
Can I get car insurance if my spouse has a revoked license?
Most companies will not insure a driver with a revoked license, even if there is a driver on the policy whose license is valid. Your spouse must be listed on your policy since you are married, but she does not have to be covered as a driver. You can request to have your wife excluded from coverage …
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 editorial 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.
