- How much is car insurance in New York?
- Who has the cheapest car insurance in NY?
- Cheap car insurance in NY
- Best car insurance in NY
- Car insurance quotes in NY
- Getting low cost auto insurance in NY based on driver profile
- List of largest car insurance companies in New York
- How To Get Cheap SR22 Auto Insurance Quotes in New York ?
- Average annual car insurance rates for major cities in New York
- New York Auto Insurance Laws & Recommendations
- Learn more about car insurance in NY
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Here you will find out everything you need to know to buy cheap car insurance in New York, without sacrificing the coverage you need. We provide average New York auto insurance rates for your neighborhood, for various ages and coverage levels. You’ll also learn how much car insurance you need for your particular situation. That means you’ll know what to expect when shopping for auto insurance in New York and you won’t overpay for it. You'll also see rates for the following:
- Low cost auto insurance for drivers with tickets
- Companies ranked from cheapest to most expensive for drivers with accidents
- Cheap car insurance for drivers with bad credit
- Ranking of the best car insurance companies for New York drivers
- Average rates for three coverage levels and six age groups by ZIP code
- Rates and savings by coverage level, ZIP code and company
- Average increase to rates for accidents, tickets, bad credit
- Best NY car insurance companies based on customer satisfaction survey
How much is car insurance in New York?
The average car insurance rate in New York is $172 a month, or $2,062 a year for a driver age 30 for full coverage, based on expert analysis by our team. That’s $304 more annually than the national average ($1,758). For liability limits of 50/100/50, New York drivers will pay $80 monthly ($960 annually). The average car insurance rate for state minimum coverage is $72 a month, or $867 a year.
New York Car Insurance Rates by ZIP Code
Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
Highest Rate
$314/mo.
Lowest Rate
$128/mo.| MOST EXPENSIVE PER MONTH |
|---|
| 11212 - New York: $222 |
| 11207 - New York: $217 |
| 11233 - New York: $216 |
| 11213 - New York: $215 |
| LEAST EXPENSIVE PER MONTH |
|---|
| 14830 - Corning: $42 |
| 14870 - Coopers Plains: $42 |
| 14821 - Campbell: $42 |
| 13811 - Newark Valley: $44 |
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
When shopping for car insurance, use our average car insurance rates tool to compare rates. Enter a ZIP code to see the average premium for your neighborhood. You will also see the highest and lowest rates from the six major carriers surveyed to get an idea of what the most affordable price is in your area. For a more customized rate, choose from among six age groups and three coverage levels.
Who has the cheapest car insurance in NY?
Geico has the cheapest car insurance in New York, among insurers surveyed by our team of experts. Below you'll see average annual rates for New York from major carriers, ranked cheapest to most expensive, for three coverage levels:
- State minimum liability requirements
- Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
- Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
| Company | State minimum average annual rate | 50/100/50 average annual rate | 100/300/100 average annual rate |
|---|---|---|---|
| Geico Gen Ins Co | $501 | $562 | $1,385 |
| New York Central Mut Fire Ins Co | $757 | $843 | $2,123 |
| Progressive Cas Ins Co | $792 | $871 | $1,913 |
| Allstate Fire & Cas Ins Co | $993 | $1,109 | $2,181 |
| State Farm Mut Auto Ins Co | $1,027 | $1,146 | $2,130 |
| Travelers Personal Ins Co | $1,134 | $1,229 | $2,638 |
Geico is the cheapest car insurance company for full coverage policies in New York, among those surveyed. Rates are for annual coverage. Here’s how much less Geico’s average rate is compared to others:
- $738 less than New York Central
- $528 less than Progressive
- $796 less than Allstate
- $745 less than State Farm
- $1,253 less than Travelers
Geico rates were cheapest for state minimum and liability insurance for New York drivers, compared to other carriers surveyed. Rates are for yearly coverage. Here is how much less Geico was than other insurance companies for state minimum liability insurance:
- $256 less than New York Central
- $291 less than Progressive
- $492 less than Allstate
- $526 less than State Farm
- $633 less than Travelers
Cheap car insurance in NY
If you opt to buy the cheapest car insurance policy possible, buy the least amount of coverage you need to drive, as explained below:
Drivers must have minimum liability coverage limits of 25/50/10 under New York car insurance laws. This coverage pays for others’ injuries and damage to other drivers’ cars when you cause an accident.
Personal injury protection (PIP) is also required. It covers you, your passengers and other authorized drivers of your car who are injured while in your car. PIP also covers you and your family members if you are injured while riding in someone else's car or if struck by another vehicle while on foot. PIP is sometimes called “no-fault insurance” because it kicks in regardless of who is at fault. You must have $50,000 in coverage.
Uninsured motorist bodily injury covers medical expenses for you and your passengers if injured when hit by a driver with no insurance. You must have 25/50 coverage. This means your insurer pays up to $25,000 per person and $50,000 in total if there are two or more people injured.
It does cost more to buy more protection, but as you’ll see in the chart below showing rates for annual coverage, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $1,195 more, or $96 a month. For just $93 a year – so only about $8 more a month -- you can raise your liability limits.
| Coverage limits | Average annual rate |
|---|---|
| Liability Only - state minimum | $867 |
| Liability Only - 50/100/50 BI/PD | $960 |
| Full Coverage - 100/300/100 BI/PD $500 Comp/Collision deductible | $2,062 |
Best car insurance in NY
Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100
- Auto Club of Southern California* 98.13
- CSAA Insurance Group 91.84
- USAA 91.37
- The General 89.22
- Mercury 89.12
- Esurance 87.25
- Travelers 87.20
- State Farm 87.17
- Allstate 84.96
- Erie 84.88
- Hartford 84.85
- Progressive 84.29
- Geico 83.19
- Safeco 82.86
- Liberty Mutual 82.45
- Metlife 80.48
- Nationwide 80.40
- Farmers 53.75
*Auto Club of Southern California(Auto Club Enterprise Insurance Group)
Car insurance quotes in NY
The most effective way to find low cost New York car insurance is to compare car insurance quotes from multiple carriers. Your age, your driving record, the model of car you have, the severity and frequency of claims in your neighborhood and other variables are used by insurance companies to figure out the cost of your policy. That’s why the price for the same coverage can vary significantly among insurance companies — and why you should compare rates.
For example, Manhattan ZIP code 11212 is among the most expensive ZIP codes for full coverage insurance in the state. But you can still save on coverage by comparing rates. The highest monthly rate ($764) among six carriers is $504 more than the lowest ($260). So over a year, that add up to over $6,000 you could save. You can save on car insurance costs, though, regardless of where you live. In the state’s cheapest ZIP code for car insurance, Corning’s 14830, the difference between the highest rate ($143 monthly) and the lowest ($85 monthly) is $58, so the yearly savings there is nearly $700.
If you want to compare car insurance quotes, use our average rate tool above. You should comparison shop upon renewal, but also if you move, add a vehicle or teen driver to your policy, get married or divorced, or have a significant change in your credit score.
Other tips for garnering the most affordable New York car insurance include:
- Maximizing discounts, for instance bundling your home and auto with the same company can trim an average of 10% to 12% from your auto rates.
- Dropping comprehensive and collision for cars that are worth less than $3,000
- Hiking your deductible amount, for instance, from $500 to $1,000
You can get New York auto insurance quotes online by researching multiple carriers.
When comparing car insurance quotes, you will typically need to provide fairly basic information:
- ZIP code
- Basic personal information – name, age, birthday
- Driving history
- Current insurance company
- Information on other drivers in your household
- Vehicle make and model
- Desired coverage types, limits and deductibles
More detailed quotes may also require:
- All vehicles VIN (vehicle identification number)
- If you own, lease or financed your vehicle
- Annual mileage
- All household driver’s license numbers
- Amount of time you’ve been insured
Once you provide the information, you will typically get a quote that is in many cases an estimate of what you will pay. Generally, you won’t get the actual rate until you lock in a policy. If the difference between the quote and your rate is significant, you can opt out of buying the policy, though generally the estimate will be fairly accurate. Once you are ready to buy a policy you will for certain need to have handy specific information, such as your driver’s license number, VIN and so on.
Getting low cost auto insurance in NY based on driver profile
The severity and frequency of claims in your neighborhood, your driving record, the type of car you drive and other variables are used by insurance companies to figure out the cost of your policy. That’s why the price for the same coverage can vary significantly among insurance companies — and why you should compare rates. This holds true whether you have had recent accidents or moving violations or not and whether you have good or bad credit. Below we’ll educate you more on the many different types of car insurance are required to drive in New York. Additionally, we’ll explain minimum New York car insurance requirements, how to buy the best coverage for your needs and how NY insurance laws work.
List of largest car insurance companies in New York
Below you’ll see the largest car insurance companies in the state, by market share.
| Rank | Company | Premiums Written | Market Share |
|---|---|---|---|
| 1 | Berkshire Hathaway Insurance Group | 4,233,525 | 31.93% |
| 2 | Allstate Insurance Group | 1,843,730 | 13.90% |
| 3 | State Farm Group | 1,758,370 | 13.26% |
| 4 | Progressive Insurance Group | 1,284,132 | 9.68% |
| 5 | Liberty Mutual Insurance Companies | 731,396 | 5.52% |
| 6 | Travelers Group | 529,676 | 3.99% |
| 7 | USAA Group | 392,346 | 2.96% |
| 8 | Nationwide Group | 302,854 | 2.28% |
| 9 | Farmers Insurance Group | 99,759 | 0.75% |
| 10 | American Family Insurance Group | 3,400 | 0.03% |
Source: A.M. Best; State/Line (P/C Lines) - P/C, US; Data as of: November 28, 2018
How To Get Cheap SR22 Auto Insurance Quotes in New York ?
In some cases if you’ve been convicted of moving violation such as DUI, reckless driving or driving without insurance, the state will require you to have an SR-22 form on file. An SR-22 is not an actual type of car insurance. The SR-22 is simply a form that your car insurance company files on your behalf with the state. It’s the company’s guarantee to the state that you have legally mandated car insurance coverage.
An SR-22 by itself doesn't raise your insurance rates. Rather, it's the conviction that triggered the requirement that causes your premiums to increase. So, getting cheap SR-22 auto quotes for New York drivers is the same process any driver would take to get the most affordable coverage. That means comparison shopping. You’ll see below how insurance companies in New York compare for SR-22 policies. This shows that you can still get cheap SR-22 quotes in New York by comparing quotes from multiple carriers.
Company | Rate with SR-22 and DUI |
|---|---|
Allstate | $1,795 |
GEICO General | $2,297 |
Progressive | $1,507 |
State Farm | $1,816 |
Average annual car insurance rates for major cities in New York
Below you'll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.
| City | Average Premium |
|---|---|
| Albany | $1,591 |
| Aurora | $1,543 |
| Buffalo | $2,046 |
| Mount Vernon | $3,050 |
| New Rochelle | $2,440 |
| New York | $3,868 |
| Rochester | $1,577 |
| Schenectady | $1,539 |
| Syracuse | $1,684 |
| Yonkers | $2,776 |
| New York | $2,062 |
| National | $1,759 |
