The cheapest car insurance in New York costs $85 per month for a full coverage policy from Progressive. That’s a $71 savings from the average cost of insurance in the state, which is $156 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in New York including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- 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.
Which company offers the cheapest car insurance rates in New York?
Based on data analysis by CarInsurance.com, Progressive provides the cheapest full coverage auto insurance rates for New York drivers at a monthly rate of $85 or $1,020 a year.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in New York by different insurance carriers for a full coverage policy.
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.
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Who pays a lower insurance premium in New York?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- 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 records.
- 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 companies for different coverage levels in New York
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.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in New York
New York requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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
Below are the average annual rates from major insurance companies in New York, ranked from cheapest to the most expensive for the state minimum coverage.
| 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.
Here are the average annual rates for liability insurance coverage from major carriers in New York, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates 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 full coverage in New York
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 shows the average annual rates from major insurance providers in New York, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| 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
Cheapest auto insurance in New York by driving history
Your driving history impacts insurance premiums in New York, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $523 more annually in New York than an individual with a clean driving record.
Cheap car insurance rates in New York after a speeding ticket
If you have a speeding ticket on your New York driving record and you are looking for cheap car insurance, Progressive offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $830 per 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 premiums in New York after a DUI conviction
New York drivers with a DUI on their record can get the cheapest car insurance from Progressive at an average of $761 a year, followed by American Family with an annual premium of $1,382 annually, based on recent data.
If you have a clean record, you are likely to pay 33% less for car insurance than someone with a 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 rates after an at-fault accident in New York
Progressive is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,015 .
American Family is the second most affordable option, providing full-coverage car insurance with 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via New York cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
The city with the lowest auto insurance rates in New York is Big Flats, at $1,449 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
The table below shows a list of cities in New York with the most affordable car 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 |
Learn about the 10 most important factors that affect 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.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good 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
Based on our findings, Progressive provides the cheapest rates for a full coverage policy in New York if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in New York, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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:
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of New York