New York City Skyline in the morning.

Here are CheapInsurance.com’s top picks for the cheapest car insurance plans in New York.

Auto insurance for New York drivers is some of the most expensive in the country. In fact, on average, New York is the third-most expensive for minimum coverage.

For full coverage car insurance, you can expect to pay about $4,048 per year in New York. And minimum coverage will cost you an average of $1,062 annually.

With so many expensive auto insurance options available, it can be difficult to know where to begin when looking for the best car insurance providers. When looking for auto insurance, make sure to shop around, look at auto insurance rates, and search for a car insurance price that will suit you.

 

Cheapest Minimum Liability Car Insurance in New York

 

The average cost of minimum coverage car insurance in New York is $90 per month, for a minimum liability policy.

According to our research, State Farm provides the cheapest minimum liability car insurance in New York with average monthly premiums of $69. Close second and third are Allstate and Geico with average premiums of $107 and $161 per month respectively.

Because of the high risk of accidents, theft, and vandalism in New York, the cost of car insurance premiums is generally higher than in other states.

To compensate for higher risk, auto insurers often charge a higher premium. However, your car insurance rates may be more or less than the state average based on factors like your driving history.

 

Provider

Average Monthly Price

Monthly Price in Kings County

Monthly Cost in Queens County 

Monthly cost in New York County 

Monthly cost in Suffolk County

Monthly cost in Bronx County

State Farm

$69

$54

$90

$85

$60

$55

Allstate

$107

$90

$110

$106

$120

$110

Geico

$161

$223

$148

$114

$109

$209

Travelers

$214

$237

$218

$201

$200

$216

Progressive

$225

$420

$195

$209

$137

$163

                     

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Key Point: How Do I Know What My Coverage Limit Is?

Auto liability coverage limits are usually written out as three numbers, such as 25/50/25. 

In this example, you’ll have a $25,000 limit per person for bodily injury in an accident, a $50,000 total limit per accident for bodily injury, and a $25,000 limit per accident for property damage.

 

Cheapest Full Coverage Car Insurance in New York

The average yearly cost of auto insurance in New York is $4,183 for full coverage or $349 per month.

 

New York has one of the most expensive car insurance rates for full coverage insurance in the country. However, it typically offers more protection and larger coverage limits. 

 

According to our research, State Farm provides the cheapest full coverage auto insurance in New York with average monthly premiums of $162. Close second and third are Allstate and Geico with average premiums of $165 and $188 per month respectively.

 

Provider

Average Monthly Price

Monthly Price in Kings County

Monthly Cost in Queens County 

Monthly cost in New York County 

Monthly cost in Suffolk County

Monthly cost in Bronx County

State Farm

$162

$145

$201

$153

$167

$146

Allstate

$165

$180

$125

$185

$190

$146

Geico

$188

$302

$157

$116

$128

$235

Progressive

$261

$464

$218

$234

$156

$233

Travelers

$262

$283

$263

$246

$252

$266

 

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Cheapest Car Insurance for Good Drivers (Clean Driving Records) in New York

Some of the cheapest car insurance in New York will be available to you if you haven’t had any severe traffic violations in the last five years, such as speeding tickets, DUIs, or accidents. You might even be eligible for a safe driver discount.

New York drivers who successfully complete defensive driving courses may also be eligible for a discount on their car insurance premiums.

If you are a safe New York driver, the most affordable coverage for you will be through State Farm at an average monthly premium of $142.20. Allstate and Geico also offer very affordable rates with average premiums of $144 and $160 per month respectively.

 

Provider

Average Monthly Price

Monthly Price in Kings County

Monthly Cost in Queens County 

Monthly cost in New York County 

Monthly cost in Suffolk County

Monthly cost in Bronx County

State Farm

$142.20

$130

$185

$135

$135

$126

Allstate

$144

$165

$120

$160

$145

$130

Geico

$160

$264

$142

$103

$109

$182

Travelers

$235.60

$255

$230

$224

$227

$242

Progressive

$236.20

$433

$202

$216

$142

$188

 

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Cheapest Car Insurance for Bad Drivers (DUI, Traffic Ticket) in New York

State Farm has the cheapest car insurance in New York for drivers with DUI violations or traffic fines. We also recommend obtaining quotes from Allstate and Travelers, which is the second and third most cost-effective option for “bad drivers”.

A high-risk driver is someone who is likely to file a claim in the future, according to an insurance provider. The following characteristics and past history play a role in the cost of your high-risk auto insurance in New York:

 

  • A speeding ticket on your driving record.

  • At-fault accidents

  • Living in a high-risk area

  • Being a teen driver

  • Poor credit score

  • DUI/ DWI

 

The cheapest average monthly premium for full coverage car insurance in New York is $162 and if you are a “bad driver” it is $217. That is a difference of more than $55 for the same coverage, so stay away from traffic violations as far as possible.

Provider

Average Monthly Price

Monthly Price in Kings County

Monthly Cost in Queens County 

Monthly cost in New York County 

Monthly cost in Suffolk County

Monthly cost in Bronx County

State Farm

$217

$185

$201

$230

$225

$246

Allstate

$243

$245

$256

$233

$238

$242

Travelers

$267

$289

$323

N/A

$220

$236

Geico

$290

$250

$285

$250

$345

$320

Progressive

$317

$655

$221

$314

$208

$189

 

Get a Personalized Car Insurance Quote

 

Cheapest Car Insurance for Young Drivers in New York

Geico has the cheapest car insurance in New York for both full and minimum coverage for teen drivers. We also recommend obtaining quotes from Progressive and Liberty Mutual, which are the second and third most cost-effective options for full or basic coverage.

Young drivers need to shop around for the best rates on car insurance. Auto insurance costs might be high for first-time drivers, but as they become more experienced, rates tend to drop.

However, some car insurance companies offer discounts on a regular basis to young drivers, so it’s advisable to look at a variety of providers. Discounts for student drivers training may be available to young drivers as well.

 

 

Provider

Average Monthly Price

Monthly Price in Kings County

Monthly Cost in Queens County 

Monthly cost in New York County 

Monthly cost in Suffolk County

Monthly cost in Bronx County

Geico

$406

$622

$400

$252

$244

$510

Progressive

$472

$606

$438

$474

$353

$489

Liberty Mutual

$783.67

N/A

N/A

$750

$672

$929

Esurance

$919

$1,189

$913

$715

$646

$1,131

Bristol West

$1,320

$1,417

$1,426

$1,126

$997

$1,634

 

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Find Cheap Car Insurance in Other States

 

If you’re looking for cheap car insurance quotes or plans in other states, read our state insurance guides to find the best plans for 2022.

Texas

Florida

California

 

Top Car Insurance Providers in New York

 

1. State Farm


State Farm is the largest insurance and financial services company based in the U.S. and was founded in 1922.

State Farm Mutual Automobile Insurance Firm, a mutual insurance company established in Bloomington, Illinois, is the group’s parent company.

Property and casualty (P&C) insurance is what State Farm is best known for. Life and health insurance, annuities, mutual funds, and banking products are also available through State Farm subsidiaries and affiliates.

In 2021, the firm was ranked 39th on the Fortune 500 list of the largest companies and boasted nearly $300 billion in assets.

 

Better Business Bureau (BBB) rating: A+

 

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2.  Allstate

 

Allstate Insurance Company is a significant national provider of car, home, life, motorcycle, renters, and off-road insurance, among other products. 

It is well-known in the vehicle insurance business for its long history and comprehensive coverage offerings.

The Allstate Corporation is headquartered in Northfield Township, Illinois. The corporation ranked 70th in the 2021 Fortune 500 list of the largest U.S. corporations by total revenue, at $44,791 billion.

Better Business Bureau (BBB) rating: A+

 

Get a Car Insurance Quote from Allstate

 

3. Geico


Geico (The Government Employees Insurance Company) is a private American auto insurance company with headquarters in Chevy Chase, Maryland. 

After State Farm, Geico is the second-largest auto insurer in the U.S. As of 2017, Geico provides coverage for more than 24 million motor vehicles owned by more than 15 million policyholders. The corporation wrote about $37.4 billion in insurance premiums in 2021.

 

Better Business Bureau (BBB) rating: A+

 

Speak to an agent about the best deals from Geico

 

4. Progressive


The Progressive Corporation is an American insurance company co-founded in 1937. It is headquartered in Mayfield Village, Ohio. 

The company insures passenger vehicles, motorcycles, RVs, trailers, boats, PWC, and commercial vehicles. Progressive also provides home, life, pet, and other insurance through select companies.

With over 27 million customers, Progressive ranked 74th on the 2021 Fortune 500 list of the top American corporations.

 

Better Business Bureau (BBB) rating: N/A

 

Get a Car Insurance Quote from Progressive

5.  Travelers


The Travelers Companies, Inc., or Travelers, is an insurance firm based in the U.S. Through independent agents, they offer business property and liability insurance as well as personal and vehicle insurance.

Travelers is headquartered in New York City and has its largest office in Hartford, Connecticut. Every state in the U.S. has a Travelers field office, and their operations extend to the United Kingdom, Ireland, Singapore, China, Canada, and Brazil.

Travelers ranked 98th in the 2021 Fortune 500 list of the largest U.S. corporations with total revenue of $32 billion.

 

Better Business Bureau (BBB) rating: A

 

Speak to an agent about the best deals from Travelers

 

Average Car Insurance Costs in Different Parts of New York

Car insurance providers calculate your rate depending on a variety of factors, one of which is the vehicle’s location.

Here are the average annual prices for car insurance within some of the largest New York cities:

 

City

Annual Price 

New York

$4,959

Rochester

$1,568

Buffalo

$2,292

Jamaica

$5,055

Flushing

$4,567

Yonkers

$2,972

Syracuse

$1,735

Astoria

$4,410

Albany

$1,655

Schenectady

$1,634

Average 

$3,085

 

Tips for Choosing a Car Insurance Plan in New York

 

Minimum insurance requirements: A minimum amount of liability insurance coverage is required by law for New York drivers. This includes minimum coverage for bodily injury liability and property damage liability.

The minimum amount of liability coverage in the big apple is:

  • $10,000 for property damage for a single accident

  • $25,000 for bodily injury and $50,000 for death for a person involved in an accident

  • $50,000 for bodily injury and $100,000 for death for two or more people in an accident

 

Understand the Insurance Types: Familiarizing yourself with the various types of insurance coverage on offer, and what each one does, will help you understand which type of insurance will best suit your circumstance.

Here are some of the popular insurance types that you should get to know:

  • Collision

  • Comprehensive

  • Medical or personal injury protection

  • Liability

  • Uninsured/underinsured motorist

 

Be Prepared When Shopping for Insurance: When you start shopping for a policy, it’s important to have the following information nearby, such as:

 

  • VIN numbers for all your vehicles.

  • Driver’s license numbers for all parties.

  • Estimates on how many miles you drive annually on each vehicle.

  • Copy of your current auto insurance policy if applicable.

  • Estimates on your monthly and annual insurance premiums.

It’s also helpful to have a copy of your state’s insurance requirements when shopping for vehicle insurance.

 

New York Car Insurance FAQs

 

Am I required to carry car insurance in the state of New York?

Yes. To register a vehicle in New York State, you must have automotive liability insurance issued by the state. The DMV may suspend your vehicle registration and driver’s license if you do not maintain coverage.

Who are the cheapest car insurance companies in New York?

We found that State Farm offers the lowest quotes for minimum coverage car insurance in New York. They charge an average of $69 monthly for minimum coverage. The cheapest full coverage car insurance is also from State Farm, with $162 per month.

How much does car insurance cost in New York?

On average, minimum coverage car insurance in New York costs $547 per year, or $90 per month, while full coverage costs around $168 per month or $1,769 per year.

What is the best car insurance in New York?

Knowing what you’re looking for—the best pricing, the quickest customer service, a digital app, or specialty coverage—can help you figure out which providers will best suit your needs. You may then compare quotations from a few of these businesses to see which one is the best fit for you.

How much car insurance do I need in New York?

All drivers in New York are legally required to have an auto insurance policy with at least 25/50/10 in liability limits along with a host of additional coverages. The minimum coverage limits level of auto coverage required by state law is:

  • Bodily injury liability coverage: $25,000 per person, $50,000 per accident

  • Property damage liability coverage: $10,000

  • Uninsured motorist bodily injury coverage: $25,000 per person, $50,000 per accident

 

 

Disclaimer:

Cheap Insurance strives to keep all listed information accurate and up-to-date. The information we provide shouldn’t be considered as the price or amount you will pay for any form of insurance provided by the auto insurance companies discussed on the CheapInsurance.com website. All information displayed on this website is presented without warranty and is non-binding. Visitors to the CheapInsurance.com website should contact CheapInsurance.com, their insurance broker, or their financial provider for final pricing, offers, and quotes.
Methodology:

Our researchers sourced insurance quotes from auto insurance companies that operate in the regions we investigated. We used a standardized base profile for each section to compare auto insurance offers.

For the following sections:

  • Minimum Liability Car Insurance
  • Cheapest Full Coverage Insurance
  • Cheapest Car Insurance for Good Drivers (Clean Driving Records)
  • Cheap auto insurance for bad drivers


Base profile used:

Gender: Male

Marital Status: Married

Age: 32

Vehicle: The most popular sedan by sales in the state

Vehicle Year: 2017

Model Type: The most basic type/entry-level model.

Mileage: 12000 miles


For Cheapest Car Insurance for Young Drivers

Base profile used:
Marital Status: Single 

Age: 20

Gender: Male

Vehicle: Drives the most popular sedan by sales in the state

Vehicle

Year: 2017

Model Type: The most basic type/entry-level model.

Mileage: 12000 miles