- Progressive has the cheapest car insurance rates in New York for full coverage at $85 a month among the companies analyzed by the team of CarInsurance.com.
- In New York, drivers with clean driving records pay 33% less than drivers with a DUI.
- The city of Big Flats has the lowest auto insurance rates in New York, with an average premium of $1,449 per year.
- You can save up to 46% per year on your car insurance policy in New York by comparing price quotes from multiple insurers.
The cheapest full coverage car insurance in New York is $85, saving you $71 compared to the average cost of insurance in the state, which is around $156 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in New York, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in New York should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
Car insurance companies with cheap car insurance in New York
Progressive has the cheapest full coverage car insurance in New York, at an average premium of $85 per month or around $1,020 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in New York. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in New York per month
| Company | Full coverage monthly rates |
|---|---|
| Progressive | $85 |
| NYCM Insurance | $108 |
| GEICO | $145 |
| Erie Insurance | $151 |
| State Farm | $163 |
| Allstate | $171 |
| The Hanover | $188 |
| Travelers | $223 |
| Chubb Ltd | $245 |
| USAA* | $130 |
Note: USAA is only available to military community members and their families.
New York drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- Married drivers pay 9% less than single drivers.
- New York drivers with clean records pay 33% less than drivers who have a DUI on their record.
- New York drivers in their 20s pay 55% lower rates for insurance than a 16-year-old in New York.
- Adding a teen to your policy will cost you 66% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 21% less on their insurance premiums.
- Drivers insured for three or more years can save up to 13% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 6% for this state more on their premiums.
Cheapest insurers for different coverage levels in New York
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- NYCM Insurance is the cheapest for a state minimum policy.
- Progressive has the cheapest rates for a liability-only policy (50/100/50).
- Progressive offers the cheapest car insurance for a full coverage policy (100/300/100) in New York.
The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in New York
In New York, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $10,000 |
Read more about the minimum liability car insurance requirements by state
The following table lists New York’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| Company | State minimum annual rates |
|---|---|
| NYCM Insurance | $420 |
| Progressive | $428 |
| GEICO | $555 |
| Erie Insurance | $575 |
| Allstate | $861 |
| Chubb Ltd | $872 |
| State Farm | $885 |
| The Hanover | $1,016 |
| Travelers | $1,362 |
| USAA* | $594 |
Note: USAA is only available to military community members and their families.
Cheapest New York insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from New York’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability only annual rates |
|---|---|
| Progressive | $467 |
| NYCM Insurance | $475 |
| GEICO | $668 |
| Erie Insurance | $689 |
| Allstate | $961 |
| Chubb Ltd | $964 |
| State Farm | $1,005 |
| The Hanover | $1,170 |
| Travelers | $1,467 |
| USAA* | $630 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance companies in New York for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in New York based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full coverage annual rates |
|---|---|
| Progressive | $1,020 |
| NYCM Insurance | $1,300 |
| GEICO | $1,736 |
| Erie Insurance | $1,814 |
| State Farm | $1,951 |
| Allstate | $2,056 |
| The Hanover | $2,262 |
| Travelers | $2,677 |
| Chubb Ltd | $2,942 |
| USAA* | $1,557 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
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Cheapest car insurance in New York by driving history
In New York, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In New York, drivers with a history of such violations typically pay $523 more annually than drivers with clean records.
Cheap car insurance rates in New York after a speeding ticket
A speeding ticket can impact your New York car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, Progressive has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $830 a year.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $728 | $830 | 14% | $102 |
| American Family | $1,117 | $1,309 | 17% | $192 |
| GEICO | $1,238 | $1,719 | 39% | $480 |
| State Farm | $1,645 | $1,805 | 10% | $160 |
| Erie Insurance | $1,462 | $1,838 | 26% | $376 |
| Allstate | $1,655 | $2,029 | 23% | $374 |
| Travelers | $2,355 | $2,750 | 17% | $395 |
| Kemper Insurance | $2,587 | $3,229 | 25% | $642 |
| Mercury Insurance | $4,513 | $5,579 | 24% | $1,066 |
| USAA* | $1,370 | $1,531 | 12% | $161 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in New York after a DUI conviction
Progressive offers the cheapest car insurance to New York drivers with a DUI conviction at $761 per year and American Family has the second-cheapest insurance premiums at $1,382 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 33% less than those with a history of DUI.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $728 | $761 | 5% | $33 |
| American Family | $1,117 | $1,382 | 24% | $265 |
| State Farm | $1,645 | $1,805 | 10% | $160 |
| Allstate | $1,655 | $2,315 | 40% | $660 |
| Erie Insurance | $1,462 | $2,663 | 82% | $1,201 |
| Travelers | $2,355 | $2,817 | 20% | $462 |
| GEICO | $1,238 | $3,365 | 172% | $2,127 |
| Kemper Insurance | $2,587 | $4,937 | 91% | $2,349 |
| Mercury Insurance | $4,513 | $5,820 | 29% | $1,307 |
| USAA* | $1,370 | $1,973 | 44% | $604 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in New York after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is Progressive, at $1,015 a year.
On the other hand, American Family offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,451.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| Progressive | $728 | $1,015 | 39% | $287 |
| American Family | $1,117 | $1,451 | 30% | $334 |
| GEICO | $1,238 | $1,719 | 39% | $480 |
| State Farm | $1,645 | $1,859 | 13% | $214 |
| Erie Insurance | $1,462 | $1,988 | 36% | $526 |
| Allstate | $1,655 | $2,026 | 22% | $370 |
| Travelers | $2,355 | $2,819 | 20% | $465 |
| Kemper Insurance | $2,587 | $3,556 | 37% | $968 |
| Mercury Insurance | $4,513 | $5,743 | 27% | $1,230 |
| USAA* | $1,370 | $1,689 | 23% | $319 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Which cities in New York have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in New York is Big Flats, at $1,449 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in New York with the lowest auto insurance rates.
| City | Full coverage annual rates |
|---|---|
| Big Flats | $1,449 |
| Pine City | $1,457 |
| Penfield | $1,464 |
| Cadyville | $1,468 |
| Peru | $1,469 |
| Schuyler Falls | $1,472 |
| Ontario | $1,473 |
| Clifton Springs | $1,485 |
| Gansevoort | $1,487 |
| Gang Mills | $1,491 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on car insurance in New York?
By comparing car insurance quotes, you can save an average of 46% per year for a full coverage policy in New York.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in New York: Save on premiums
Car insurance discounts in New York can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in New York.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| Discount type | % difference | $ difference |
|---|---|---|
| Air bags | 3% | $135 |
| Anti-theft device | 1% | $108 |
| Daily commute | 8% | $499 |
| Days advanced purchase | 6% | $224 |
| Days per week driven | 6% | $385 |
| Education | 8% | $210 |
| Electronic funds transfer | 3% | $51 |
| Homeowner | 10% | $491 |
| Lower annual mileage | 9% | $456 |
| Loyalty – years renewal with company | 20% | $678 |
| Marital status | 9% | $249 |
| Multi policy | 10% | $531 |
| Paperless/electornic documents | 3% | $67 |
| Payment type | 10% | $491 |
| Primary use | 14% | $809 |
| Profession | 9% | $196 |
| Safety devices | 3% | $125 |
| Telematics | 8% | $280 |
| Years insured | 13% | $425 |
| Years licensed | 20% | $1,608 |
Final thoughts on cheap car insurance in New York
Our research shows that Progressive has the cheapest full coverage car insurance rates in New York for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in New York, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of New York for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/10.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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