You can find the cheapest full-coverage car insurance in New York for $85 a month from Progressive. It saves you $71 compared to the state average car insurance cost of $156 monthly.
Shopping for car insurance in New York can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- 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?
Progressive offers the cheapest car insurance rates in New York for a full coverage policy with an average premium of $85 per month or around $1,020 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in New York.
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.
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
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
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 liability-only coverage in New York
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, 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 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.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
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
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
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.
Cheap car insurance rates after a DUI conviction in New York
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.
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 rates in New York after an at-fault accident
If you’re a driver with an at-fault accident on your record, Progressive is the cheapest option, offering car insurance at an average cost of $1,015 annually.
American Family is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,451 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| 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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Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In New York, Big Flats stands out as the city with the lowest auto insurance rates, at an average of $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.
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?
If you compare car insurance quotes, you could enjoy an annual saving of around 46% on 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
New York drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in New York.
| 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.
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
Executive 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