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Your coverage needs and budget influence what car insurance company works best for you. The average monthly cost of insurance in New York is $457, but your age, driving history, and location can influence your car insurance premiums. New York drivers pay much higher rates than the national average of $212 per month, but you can find ways to get affordable premiums.
Here’s what you need to know about finding the best auto insurance in New York.
Quick Facts
New Yorkers pay $447 per month on average for liability-only car insurance.
New York auto insurers can consider your credit history when determining rates.
Comparing quotes helps you identify the lowest available rates.
Best car insurance companies in New York
You have several options when selecting a car insurance company in New York. To narrow down your options, you can compare company features, benefits, and drawbacks based on the type of coverage you want.
Some of the top car insurance companies in New York offer specific coverage that benefits some driver categories more than others. You can find an insurer for you — whether you want it catered to commuters, college students, seniors, or another category of drivers.
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Insurance Company
Best For
Average Monthly Quote: Liability Only
Insurify Quality Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Erie
Overall
$395
4.4
Safeco
Low rates
$216
3.8
Travelers
Affordability
$163
4.3
Nationwide
Commuters
N/A
4.1
Midvale Home & Auto
Families
$287
N/A
Liberty Mutual
College students
$414
3.8
Allstate
Luxury car owners
$591
4.1
State Farm
Rideshare drivers
$563
4.4
Progressive
Seniors
$363
4.1
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
870
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$333/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$471/mo
For nearly 100 years, Erie Insurance has been selling auto coverage. The company operates in 12 states and Washington, D.C., and also offers more than two dozen types of insurance, including home, life, and business insurance. A.M. Best gives Erie an A+ rating for financial stability and credit strength. The company has a lower-than-expected number of complaints with the National Association of Insurance Commissioners Customer Complaint Index, and ranks third in overall customer satisfaction according to J.D. Power rankings. The company also has an A+ rating from the Better Business Bureau.
Pros
Excellent BBB, J.D. Power, and A.M. Best ratings
Competitive rates for teenagers and drivers with speeding tickets
Cons
Available in only 12 states
Customers can’t buy a policy or file a claim online
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$140/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$202/mo
Owned by Liberty Mutual, Safeco offers car, homeowners, renters, pet, and other insurance products. The company has been in busines since 1923, and provides new vehicle replacement coverage, rental car reimbursement, liability, and full-coverage policies. Safeco’s money-saving programs include accident forgiveness, a diminishing deductible, and a cash back program for customers who remain claims-free for six months. The company has an average amount of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and placed 13th on the J.D. Powers’ Overall Customer Satisfaction Index. A.M. Best gives Safeco a score of A for financial stability.
Pros
Pays cash back to customers who remain claims-free
Many options for customizing car insurance
Cons
Limited number of discounts
Customer reviews indicate room for improvement in customer service
Good company but still kind of expensive
Pennie - February 8, 2023
Verified
No issues with them, but I do wish it was less expensive.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$367/mo
Travelers has been in business for more than 165 years. Today, the company sells auto insurance, homeowners, renters, flood, pet, and other types of insurance. In addition to liability and full-coverage car insurance, Travelers offers gap insurance, rental car reimbursement, roadside assistance, rideshare insurance, new car replacement coverage, and more. Policyholders can save with a number of discounts, including for bundling multiple policies, safe driving, paying in full, student discounts, and more. Travelers has fewer complaints than expected with the National Association of Insurance Commissioner’s Consumer Complaints Index. A.M. Best gives the company an A++ for financial strength.
Pros
Accident forgiveness available
Robust coverage selections and discount offerings
Cons
Rideshare coverage only available in Colorado and Illinois
High number of negative customer reviews with the Better Business Bureau
Helped me when I needed them
Ian - January 19, 2023
Verified
They have always stuck with me through thick and thin.
Luther - January 13, 2023
Verified
We’ve had them for more than 15 years; bundled but need a policy for our car in Florida
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
In business since 1925, Nationwide is one of the largest insurers, and sells car, homeowners, life insurance, umbrella insurance, and more. In addition to liability, collision and comprehensive, Nationwide provides optional coverages such as towing and labor, rental car, and gap. The company also offers accident forgiveness, and a vanishing deductible that lowers your deductible for each year you drive safely. Nationwide has an A+ rating from A.M. Best for financial stability, and an only slightly higher-than-expected number of customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Numerous discount and savings opportunities
SmartRide (for safe drivers) and SmartMiles (for low-mileage drivers)
Cons
Not available in every state
Some discounts and programs not available in all states
Reliable when needed; will fight for you; good discounts for being a loyal customer. They’re on your side.
Alexander - December 4, 2022
Verified
Premiums are high and they dropped us after two claims.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$205/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$258/mo
Owned by American Family Insurance, Midvale offers auto and home insurance. In addition to liability, collision and comprehensive coverages, Midvale also offers gap insurance, rental car reimbursement, and roadside assistance. Discounts are pretty standard for the industry, including good student, multi-vehicle, multi-product, and pay-in-full discounts. Midvale as an excellent (A) rating from A.M. Best for financial stability. Customer complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index are only slightly higher than expected for the industry.
Pros
Backed by the financial strength of American Family
Optional gap insurance and roadside assistance available
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$230/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$294/mo
In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.
Pros
Wide range of available discounts
Accident forgiveness available
Cons
Many negative reviews and customer complaints
Premiums are relatively high compared to industry average
Service has always been great
Jackie - January 30, 2023
Verified
I can’t figure how much I am paying.
Rickie - January 29, 2023
Verified
I got uninsured motorist added to meet the minimum state liability for less than what I was paying before, but now my rates have gone up even though I have an impeccable driving record and travel way under 10K miles annually.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$134/mo
Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.
Pros
Well-established with superior ratings from A.M. Best
Pay-per-mile option available
Cons
Low customer satisfaction
Rates are merely average compared to other insurers
Good company, but costs more for premiums
Patricia - February 1, 2023
Verified
My rate for auto insurance jumped approximately $100 after six months and I was unable to get a satisfactory explanation.
Burl - January 30, 2023
Verified
They’ve given good service, but there were times when things could have been handled a bit more professionally.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$51/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$108/mo
State Farm has been in business for more than 100 years, and today sells auto and other vehicle insurance, homeowners, life, health, pet, disability, and small business insurance. Available in all 50 states, State Farm car insurance policies offer multiple ways to save, from customizing coverage types, to a robust list of discounts. The company has far fewer complaints than expected for the industry, according to the National Association of Insurance Commissioner’s Consumer Complaints Index. State Farm also ranks among the top 10 companies for customer satisfaction in every region on the J.D. Power Overall Customer Satisfaction Index.
Pros
High rates of customer satisfaction
Rideshare insurance available
Cons
No gap insurance offering
May not be the cheapest choice for drivers with violations
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$248/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$349/mo
Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.
Pros
Rewards for good drivers
Numerous coverage options and discounts available
Cons
Higher-than-expected amount of complaints
Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking
Very good service but too expensive
Dewey - February 2, 2023
Verified
I called with questions; the answers were complete and to the point.
How Insurify’s experts used internal proprietary data to rate the top auto insurers
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums. The data included on this page represent averages across all driver ages, gender, credit scores, and driver profiles for New York drivers.
How to shop for the best car insurance in New York
You need to consider different factors when shopping for the best car insurance in New York. After making note of the state’s car insurance requirements, think about the following:
Your desired coverage amount: Determine how much coverage you need — whether it’s liability, collision, uninsured motorist, or comprehensive coverage. Even if you start with liability-only coverage, you should compare what optional coverages insurers offer, including benefits like accident forgiveness and roadside assistance.
Rates and other features: Using an insurance quote-comparison site or gathering quotes from at least three different insurers can help you find the best rates for your coverage needs.
Reviews and customer satisfaction: Look at credible customer satisfaction ratings, including the Insurify Quality Score and J.D. Power customer satisfaction ratings, as well as complaints filed with the Better Business Bureau and the National Association of Insurance Commissioners.
Available communication methods: How do you wish to communicate with the insurer? Consider your communication expectations regarding whether you want to have your own agent or communicate with customer service.
Claims-filing process: Make sure you can file claims easily by phone or online. You also may want to confirm whether the insurance company allows you to check the status of your claim online.[1]
How to get the cheapest car insurance in New York
Finding the cheapest car insurance in New York will depend on your city, age, and driving history, but here are some ways you can work on lowering costs:[2]
Ask your insurer about discounts. Most insurers offer multi-policy, safe driver, and multi-vehicle discounts. Make sure your insurer rewards you for all the discounts you qualify for.
Keep a clean driving record. Avoiding tickets and other driving violations for three to five years helps you earn the most affordable premiums.
Equip your car with safety and anti-theft features. If your car doesn’t have these features when you buy it, install them to benefit from cheaper premiums. Insurers reward drivers for driving safe vehicles.
Shop around and gather quotes. Comparing quotes from at least three insurance companies is the best way to find the most affordable premiums.
Increase your deductible. “Drivers can increase their deductible, which may lower the monthly premium, but they need to be prepared to pay more out of pocket if they do have a claim,” says P.J. Miller, vice president and independent insurance agent withWallace & Turner Insurance.
Minimum car insurance requirements in New York
All motor vehicles operating in New York must meet minimum insurance coverage requirements.[3] New York is a no-fault state, which means that both parties’ insurance companies will pay for medical expenses in the event of an accident. New York drivers need to carry the following coverage:
Liability-only vs. full-coverage insurance in New York
Liability-only coverage can make sense if you drive an older car and can afford to pay for repairs out of pocket. You may decide on liability-only coverage if you want to save money.
If you want more coverage because you have a new or expensive car, you should consider full-coverage auto insurance, which usually costs more because it includes liability, comprehensive, and collision coverages. Your lender may require you to carry full-coverage insurance if you finance or lease your car.
Comprehensive coverage protects your vehicle against natural disasters, falling objects, fires, theft, riots, civil unrest, and more. You can add collision insurance to help pay for damage to your car due to any type of collision — usually up to the actual cash value of your vehicle.[4]
Travelers, Safeco, Nationwide, and Erie all offer prices below the New York average for both liability and full-coverage insurance.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in New York
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New York car insurance rates by driving and accident history
Driving history significantly affects car insurance rates. Drivers with a clean record earn lower car insurance rates because insurers view tickets and other violations as a driving risk.
You can still lock in reasonable rates despite infractions on your driving record, but you’ll face increased premiums if you have an infraction. Quotes for drivers with an accident start at $283 per month.
Insurance Company
Clean Record
At-Fault Accident
DUI
Speeding Ticket
Travelers
$198
$283
$394
$265
Safeco
$288
$411
$572
$385
Nationwide
$312
$446
$621
$418
Erie
$331
$473
$658
$443
Midvale Home & Auto
$345
$493
$686
$462
USAA
$345
$493
$686
$462
Liberty Mutual
$463
$662
$921
$620
Progressive
$471
$673
$936
$630
State Farm
$472
$675
$939
$632
Allstate
$495
$708
$985
$664
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
SR-22 insurance in New York
An SR-22 form filed by your insurance company with the state’s department of motor vehicles (DMV) verifies that you have sufficient insurance. Some states require SR-22 filing for drivers caught operating a vehicle without insurance or committing a serious violation like a DUI.
Unlike many states, New York doesn’t require you to file an SR-22 form to reinstate your driver’s license after a serious violation. However, you still need to meet the minimum auto insurance requirements to continue driving legally.
New York car insurance quotes by credit tier
New York, like many states, allows insurers to factor in your credit score when calculating car insurance rates. Yourcredit score shows how well you manage your finances and whether you pay bills on time. Insurance companies use your credit score to determine your insurance score, which helps predict the likelihood of you filing a claim.[5]
A credit score higher than 720 is considered an excellent score. You’ll typically earn lower rates with a good credit history than with poor credit.
A lower credit score doesn’t always cause expensive insurance premiums because insurers consider many other factors when determining your rate. Still, you can prioritize improving your credit score to earn cheaper rates.
Car insurance quotes in New York cities
Car insurance rates can vary by city within New York, depending on factors like crime frequency, claims filing, population density, accident rates, and more. If you live in an area with increased traffic, like New York City, you may pay more expensive premiums.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in New York
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
New York car insurance rates by driver age
Your age can also affect car insurance rates. Insurance companies find that drivers younger than 25 tend to have more accidents than older drivers, so they account for the added risk by charging higher rates.
While prices start out high for teens and young drivers, rates start to decrease once you reach your late 20s and 30s.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
New York car insurance FAQs
If you determine your current insurer provides the cheapest premiums for your coverage needs, you’ll need to renew your policy. But if your current plan doesn’t satisfy your coverage needs, you likely have questions about finding adequate coverage. Here’s some additional information that can help.
Who has the cheapest car insurance in New York?
Travelers has the cheapest car insurance in New York, with rates starting at $163 per month for liability and $198 for full coverage. Other affordable insurance companies in New York include Safeco, Nationwide, and Erie. On average, car insurance in New York costs $457 per month, which significantly exceeds the national average of $212 per month.
What is the required car insurance coverage in New York?
New York’s minimum car insurance requirements include liability coverage of at least $25,000 per person and $50,000 per accident in bodily injury and $10,000 in property damage per accident. New York drivers must also carry at least $50,000 in personal injury protection (PIP).
What are the best car insurance companies in New York?
Erie is the best insurance company in New York because of affordable average monthly rates of $395 for liability and $331 for full coverage, an Insurify Quality Score of 4.4 out of 5, and an A+ rating from A.M. Best.
Other top insurance companies in New York include Travelers and Safeco. Both companies offer cheap rates and several coverage options.
How does credit score affect car insurance premiums in New York?
Your credit information helps determine your insurance score — a statistical tool car insurance companies use to predict the likelihood of you filing a car insurance claim. If you have a good credit score of 690 or higher, you should see lower car insurance rates.
Is New York a no-fault state?
New York is a no-fault state, which means that both parties’ insurance companies will pay for expenses in the event of an accident.[6]
Insurify Insights
How New York Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in New York below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how New York drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in New York
#44
State with the Most Speeding Tickets Rank
#48
State with the Moving Violations Rank
#35
State with the Most DUIs Rank
#40
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. New York is the #47 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #47
Percent of drivers in New York with an accident: 6.2%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. New York is the #35 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #35
Percent of drivers in New York with a DUI: 1%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. New York is the #33 state in the country for drivers with a reckless driving offense on record.
Rank among states: #33
Percent of drivers in New York with a reckless driving offense: 1.1%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. New York is the #34 state in the country for drivers with a rude driving violation on record.
Rank among states: #34
Percent of drivers in New York with a rude driving violation: 1.3%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. New York is the #44 state in the country for drivers with a speeding ticket on record.
Rank among states: #44
Percent of drivers in New York with a speeding ticket: 6.4%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. New York is the #49 state in the country for drivers with a failure to yield violation on record.
Rank among states: #49
Percent of drivers in New York with a failure to yield violation: 0%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Erie Insurance
Safeco
Travelers
Nationwide
Midvale Home & Auto
Liberty Mutual
Allstate
State Farm
Progressive
