Cheap New York Car Insurance

Compare the best rates from 6 car insurance companies in New York.

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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.


 

Cheap Car Insurance

What's the cheapest car insurance in New York?
RankCompany NameAvg. Annual Premium
1USAA$1,175
2Erie$1,230
3Utica National$1,519
4Progressive$1,527
5Travelers$1,544
6Allstate$1,572
7MetLife$1,604
8Amica$1,612
9Preferred Mutual$1,720
10New York Central Mutual$1,855
11GEICO$1,888
12Safeco$1,927
13State Farm$1,943
14Central Mutual$1,988
15Liberty Mutual$2,046
16Hanover$2,346
17Encompass$2,636
18Nationwide$3,116
19Mercury$3,887
2021st Century$4,368

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
16$6,915$5,370
17$6,415$5,543
18$6,581$4,509
19$5,601$3,368

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%
DUI$2,22835.20%
Speeding Violation$1,65612.79%
Bad Credit$2,87549.78%

What are the 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
Allstate3Superior
Amica4Superior
Central MutualNot RatedExcellent
Erie5Superior
GEICO3Superior
Liberty Mutual3Excellent
Mercury2Superior
MetLife3Superior
Nationwide4Superior
New York Central MutualNot RatedSuperior
Progressive3Superior
Safeco3Excellent
State Farm3Superior
USAA5Superior

 

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

Car Insurance Laws

State minimum insurance requirements in New York

In New York, the state minimum coverage requirements are as follows:
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)
  • $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)

Liability coverage is legally required in New York and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In New York, the cheapest insurance minimum is listed as 25/50/10 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured Motorist coverage is legally required in New York and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In New York, the minimum is listed as 30/60 and explained below:

  • $25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.
  • $50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In New York, minimum PIP coverage of $50,000 per person is required on your policy.

These numbers reflect the minimum limits required in New York but higher coverage amounts are available with most companies. These minimums will provide you with the cheapest insurance rate.

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 his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. And bonus? It guarantees every driver immediate medical treatment in the event of an accident.

Car Insurance FAQs

Are digital insurance cards accepted in New York?

Yes. If you happen to find yourself pulled over by a police officer in New York you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Should I carry uninsured motorist coverage in New York?

6% of drivers don't have insurance in New York — less than the US mean of 13%. However, it's a good idea to carry uninsured motorist coverage in New York to avoid extra costs if you get into an accident.

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 Binghamton, New York, and the most expensive in New York, New York.

RankCityAvg. Annual Premium
1New York$2,681
2Freeport$2,258
3Hempstead$2,256
4Levittown$2,021
5Mount Vernon$1,958
6Yonkers$1,939
7West Babylon$1,894
8Brentwood$1,891
9Hicksville$1,881
10Coram$1,749
11White Plains$1,645
12New Rochelle$1,643
13Buffalo$1,518
14Cheektowaga$1,228
15Niagara Falls$1,213
16West Seneca$1,213
17Tonawanda$1,189
18Utica$1,114
19Syracuse$1,108
20Troy$1,074
21Albany$1,046
22Rochester$1,046
23Schenectady$1,041
24Irondequoit$1,011
25Binghamton$931

Recent New York Car Insurance Questions and Answers

Need international motorcycle insurance

I‘m looking for a motorcycle insurance witch accepts an international driver licenc. I‘m from Switzerland and have only an IDL. ...

AUG 14, 2018
Dog bite claim on a home insurance policy

When the insurance company pays out for dog bites, how does that work? My neighbor’s dog bit my son, caught ...

AUG 06, 2018
Can my son borrow my vehicle to use on the weekends

My child is no longer in school moved to own apartment in NYC with lease – Can he borrow our ...

JUL 29, 2018
Finding car insurance with a long violation and ticket history

As of July 7th, my current car insurance company is canceling my policy with them. My wife and I (and ...

JUL 15, 2018

Driving Laws

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
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New York Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the New York area, while also getting an insider view of the Empire State.

Prompt

So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.

Qualifications

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.


Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Click here to learn more