- 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 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.
Which company offers the cheapest car insurance 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 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.
Who pays the lowest auto insurance premiums in New York?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- 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 New York companies for different coverage levels
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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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 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.
Below, you’ll see average annual rates for major insurance providers in New York, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 car insurance in New York
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in New York from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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 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.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In New York, drivers with a history of traffic violation pay an average of $523 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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.
Cheap car insurance rates after a DUI conviction in New York
CarInsurance.com analyzed insurance rates for New York drivers with DUI convictions and we found that Progressive provides the cheapest car insurance rates at an average annual premium of $761. American Family is the second-cheapest insurer at an average of $1,382 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 33% less than drivers with a DUI on their record.
| 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
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 |
The bottom line on cheap auto 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:
- 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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