Cheap New York Car Insurance

Compare the best rates from 10 car insurance companies in New York.

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

It's cheap to get car insurance in New York!

Whoa! New York is one of the cheapest states for car insurance. Let's see how much you'll save!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since New York might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in New York?
Rank Company Premium
1 USAA $1,175
2 Erie $1,230
3 Utica National $1,519
4 Progressive $1,527
5 Travelers $1,544
6 Allstate $1,572
7 MetLife $1,604
8 Amica $1,612
9 Preferred Mutual $1,720
10 New York Central Mutual $1,855
11 GEICO $1,888
12 Safeco $1,927
13 State Farm $1,943
14 Central Mutual $1,988
15 Liberty Mutual $2,046
16 Hanover $2,346
17 Encompass $2,636
18 Nationwide $3,116
19 Mercury $3,887
20 21st 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 $212 12.79%
No Accidents $497 25.59%
Good Credit $1,431 49.78%

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.

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 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 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%
Car Insurance Laws

State minimum insurance requirements in New York

In New York, the state minimum coverage requirements are as follows:
Uninsured/Underinsured Motorist
Personal Injury Protection (PIP)
Optional coverage in New York (varies by carrier):

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.

Top New York Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in New York.

Car Insurance FAQs

Are digital insurance cards accepted in New York?


What does this mean for you?

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.

Do I need uninsured motorist coverage in New York?

Uninsured Drivers in New York
New York




Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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.

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

Recent New York Car Insurance Questions and Answers

Can my son borrow my vehicle to use on the weekends

Jul 29, 2018

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

Finding car insurance with a long violation and ticket history

Jul 15, 2018

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

Am I responsible for paying for another driver’s rental car

Jun 23, 2018

Backstory: I scratched the side of an SUV while backing into a space on the street. Because the damages were ...

Getting a new insurance quote affect current rate and credit score

Jun 23, 2018

If I get a quote, would my current insurer be contacted and how would the quote affect my credit score?...

Driving Laws

New York Texting and Driving Laws

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


Per Year in New York
Annual DUI Arrests
New York
US Average
DUI Legal Limit


Blood Alcohol Content
Average DUI Cost


Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

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.


So, New York 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.

Please Note:

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

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:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to
  • With your submission, please include your name, address, and phone number.
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and 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.