Car Insurance in New York
- New York Central Mutual Fire offers the cheapest liability at $48/mo.
- Progressive has the cheapest full coverage at $121/mo.
Enter your ZIP code to start your search for New York car insurance:
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
Ross joined The Zebra as a writer and researcher in 2019. He specialized in writing insurance content to help shoppers make informed decisions.
Ross h…
Credentials
- 5+ years in the Insurance Industry
Jean Lucey has researched and written about insurance matters for well over 30 years. A current member of The Zebra's Insurance Expert Review Board, …
Credentials
- CPCU, Chartered Property Casualty Underwriter
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
Car insurance quotes in New York
The average car insurance rate in New York is $1,486 for a six-month policy — 28% more expensive than the U.S. average.[1] But don’t be fooled — your location is just one piece of the puzzle. Car insurance rates in New York are shaped by a variety of factors, including your age and driving history.
According to our data, 39% of New Yorkers believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Best customer service in NY
- Travelers scored 657 in JD Power's latest study — the highest in New York
Cheapest full coverage in NY
- Progressive offered the cheapest full coverage in New York at $121/mo.
Cheapest liability coverage in NY
- New York Central Mutual Fire offered the cheapest liability coverage in New York at $48/mo.
What are the best car insurance companies in New York?
We’ve named Travelers as New York's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
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Cheap full coverage insurance in New York
In 2026, the average cost of full coverage insurance in New York is $1,486 for a six-month policy. Full coverage is a popular choice here, with 52% of The Zebra’s New York customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Progressive — as our latest data shows they have the cheapest rates in New York.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $727 | $121 |
| New York Central Mutual Fire | $943 | $157 |
| GEICO | $1,257 | $210 |
| Erie | $1,262 | $210 |
| Utica National Ins Group | $1,265 | $211 |
| Travelers | $1,321 | $220 |
| Allstate | $1,598 | $266 |
| USAA | $1,600 | $267 |
| State Farm | $2,051 | $342 |
| Encompass | $2,613 | $435 |
Source: The Zebra
Cheap liability insurance in New York
The average cost for liability insurance in New York is $670 for a 6-month policy.[1] For our user profile, New York Central Mutual Fire offers the most affordable liability insurance options in the state at $48/mo.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in New York, a full coverage insurance policy with a $500 deductible costs $1,486, considerably more than liability-only car insurance.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New York Central Mutual Fire | $290 | $48 |
| Progressive | $408 | $68 |
| Utica National Ins Group | $428 | $71 |
| GEICO | $581 | $97 |
| Erie | $582 | $97 |
| USAA | $693 | $116 |
| Travelers | $777 | $130 |
| Allstate | $864 | $144 |
| State Farm | $1,145 | $191 |
| Encompass | $1,545 | $257 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 48% of New York drivers carry only the state-required liability coverage.[2] In New York, the law mandates minimum liability limits of 25/50/10. Learn more about car insurance requirements in the state of New York with our helpful guide.
If you're injured in a car accident in New York, your own auto insurance generally pays for your medical expenses and certain lost wages first, regardless of who caused the crash.[4] Every auto policy must include Personal Injury Protection (PIP) coverage with a minimum of $50,000 per person. This no-fault system is designed to help injured drivers and passengers receive benefits quickly without waiting for fault to be determined, although you may still sue the at-fault driver if your injuries meet New York's "serious injury" threshold.
Renata Balasco, licensed agent and insurance writer at The Zebra
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| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| Utica National Ins Group | $428 | $1,265 |
| USAA | $693 | $1,600 |
| Travelers | $777 | $1,321 |
| State Farm | $1,145 | $2,051 |
| Progressive | $408 | $727 |
| New York Central Mutual Fire | $290 | $943 |
| Mercury | $938 | $2,117 |
| Hanover | $926 | $2,124 |
| GEICO | $581 | $1,257 |
| Erie | $582 | $1,262 |
| Encompass | $1,545 | $2,613 |
| Chubb | $692 | $1,601 |
| Allstate | $864 | $1,598 |
Source: The Zebra
Local insights
Drivers near you in New York weigh in
"Find an independent agent near you who can shop for you."
-Reddit user on r/New York
"I’m with State Farm and have been crushing Allstate even without our homeowners discount. Go online find an agent with good reviews and give them a call."
-Reddit user on r/New York
Compare car insurance rates from the best companies in New York.
Car insurance in popular New York cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Binghamton, New York and the most expensive in Brooklyn, New York.
Have a look at the table below to see average car insurance costs in some of New York's biggest cities.
Source: The Zebra
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Source: The Zebra
Licensed to guide, trained to simplify
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
Erick began his insurance career at The Zebra in 2020, starting in an unlicensed role assisting customers before earning his Property & Casualty lice…
Credentials
- Licensed Insurance Agent — Property and Casualty
New York auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in New York. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top New York insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
The Zebra's guide to New York car insurance laws for high-risk drivers
For high-risk drivers in New York with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding New York's insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
New York DUI laws
In New York, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in New York
If you're convicted of a DUI or DWI violation in New York, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in New York.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $804 | $134 |
| New York Central Mutual Fire | $1,380 | $230 |
| Travelers | $1,631 | $272 |
| Erie | $2,008 | $335 |
| Allstate | $2,114 | $352 |
| USAA | $2,297 | $383 |
| Utica National Ins Group | $2,584 | $431 |
| GEICO | $2,960 | $493 |
| State Farm | $3,541 | $590 |
| Encompass | $3,960 | $660 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
New York SR-22 laws
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of New York to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in New York might require some research, but it could pay off in the end.
How to acquire an SR-22 in New York
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in New York in minutes!
How have car insurance costs in New York changed?
New York's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — New York |
|---|---|
| 2026 | $2,461 |
| 2025 | $2,758 |
| 2024 | $2,197 |
| 2023 | $1,680 |
| 2022 | $2,171 |
| 2021 | $1,600 |
| 2020 | $1,693 |
| 2019 | $1,748 |
| 2018 | $1,749 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
New York car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding New York auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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U.S. Auto Insurance Study. J.D. Power
U.S. Auto Insurance Study. J.D. Power
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New York Is a No-Fault Insurance State. Mandatory no-fault insurance system
New York Is a No-Fault Insurance State. Mandatory no-fault insurance system
RECENT QUESTIONS ABOUT CAR INSURANCE IN NY
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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.
