Cheapest and Best Car Insurance in New York as Rated by Customers in 2022
Are you searching for the best car insurance in New York to protect your vehicle while on the road? You've come to the right place. We've got a list of the best cheap car insurance in New York-based solely on customer reviews and ratings. Because of many factors, rates can vary widely between upstate New York and New York City, especially when compared to the national average.
In the table above, you can sort through all the New York car insurance companies ranked on Clearsurance. The rating next to each company the insurer's Clearsurance score is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best New York car insurance rankings.
Interested in learning more about one of these New York car insurance companies? You can visit the company's profile page to find out what additional coverages they offer, any discounts they offer, and read car insurance reviews to learn from the experiences of other policyholders.
On this page:
- Best teen car insurance rates in New York
- Best rates for a married couple in New York
- Best senior car coverage rates in New York
- 10 Cheapest areas in New York for car insurance
- 10 Most expensive areas in New York for car insurance
- Minimum car insurance coverage and limits in New York
Among the five companies analyzed, Geico is the cheapest auto insurance policy option for both male and female teen drivers in New York, on average cost. Teen drivers present a higher risk. So the rate for the same liability per person is higher. Of course, smart auto insurance quotes will also include increased liability coverage and other coverage to protect teens in their first accident.
In the table below, you can find New York teen rates for male and female drivers. The average premiums are listed for four of the largest car insurance companies in New York.
|Company||Female teen rates||Male teen rates|
|State Farm Insurance||$2,743||$3,076|
These rates are based on profiles for 18-year-old male and female drivers in New York. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The numbers displayed should only be used for comparative purposes as individual rates in New York will differ. Data is provided by Quadrant Information Services.
Out of the five companies analyzed, Progressive offers the cheapest average car insurance rates for married couples in New York. Age, zip code, and other factors also come into play. Our quotes use a 35 year old couple with strong compensating factors. Keep in mind, the average cost could be very different for a 20 year old married couple or a 65 year old married couple. Cost also varies based on if you choose comprehensive coverage, liability only, or somewhere in between.
The table below displays New York car insurance rates for a married couple with two cars on a policy from four of the largest companies in the state.
|Company||Married couple rates|
|State Farm Insurance||$3,259|
These auto insurance rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 coverage limits and a $500 collision deductible and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The costs displayed should only be used for comparative purposes as individual coverage per person in New York will differ. Data is provided by Quadrant Information Services.
Among the five companies analyzed, Progressive provides the cheapest average car insurance rates for male and female senior drivers in New York. Seniors with a clean record get a bigger discount with many insurance companies compared to drivers below age 65. They may know more about defensive driving and have more experience in general.
Below you can see the average costs of New York car insurance premiums for male and female senior drivers for policies with four of the largest companies in the state. Keep in mind, getting quotes is the best way to get prices based on your unique combination of qualifying factors.
|Company||Female senior rates||Male senior rates|
|State Farm Insurance||$1,566||$1,566|
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 policy limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual personal rates in New York will differ. Rate data is provided by Quadrant Information Services.
Cheapest car insurance in New York
Premiums in New York vary significantly based on cities and neighborhoods. Areas in upstate New York tend to be cheaper for car insurance than areas closer to New York City. Corning is the cheapest area, on average. In the table below, you can see the top 10 cheapest areas in New York-based on average rates for single adults. | Area | Car insurance rates | | :---------- | :----------: | | Corning | $1,258 | | Big Flats | $1,267 | | Horseheads | $1,268 | | Painted Post | $1,272 | | Elmira | $1,278 | | Pine City | $1,281 | | Wellsburg | $1,283 | | Campbell | $1,300 | | Phelps | $1,309 | | Manchester | $1,316 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in New York will differ. Insurance rate data is provided by Quadrant Information Services.
<b>Most expensive car insurance in New York</b>
Areas in the state of New York that are close to New York City tend to have higher average car insurance rates. This includes Brooklyn, which is the most expensive area in New York, and the Queens neighborhood of St. Albans, which is the second most expensive area. The table below displays the top 10 most expensive areas in New York for car insurance based on average rates for a single adult.
|Area||Car insurance rates|
|South Ozone Park||$4,302|
|South Richmond Hill||$4,252|
These rates are based on a 35-year-old single adult with one driver and one vehicle on an auto policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive insurance deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in New York will differ. Insurance rate data is provided by Quadrant Information Services.
While some states only require drivers to obtain liability insurance, New York has multiple required coverages, so it's especially important to know what they are, what they mean, and the minimum limits. New York is one of 12 no-fault states, which means that regardless of who is at fault for an accident, your insurer is responsible for your medical-related costs.
The minimum limit needed in New York for no fault insurance coverage is $50,000. In the event that damages from an accident exceed $50,000, your health insurance would kick in to cover the additional expenses. This would mainly go towards medical bills or any additional medical insurance cost.
Additionally, New York requires drivers to obtain uninsured motorist coverage, which covers you for injuries sustained in an accident involving another driver who doesn't have the proper insurance. New York has the second-lowest uninsured driver percentage of any state, with only 6.1 percent of drivers lacking coverage according to 2015 data from the Insurance Information Institute. Still, uninsured motorist coverage is important, as it also protects you against any out-of-state drivers who don't have sufficient insurance.
Below are the minimum limits needed for liability insurance, no-fault coverage, and uninsured motorist coverage.
New York state minimum requirements:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Liability for death — $50,000 per person
- Liability for death — $100,000 per accident
- Property damage — $10,000 per accident
Personal injury protection:
- $50,000 per person
Bodily injury caused by an uninsured motorist:
- $25,000 per person
- $50,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle's driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims, though New York's no-fault laws are designed to avoid drivers suing other drivers.
Property damage liability coverage provides coverage in the event you damage someone else's property in a car accident, most commonly the other vehicle, but also things like a home or fence.
It would also be beneficial to ask an experienced insurance agent about additional policies to add to your car insurance. Some policies to ask about include collision coverage and underinsured motorist coverage. Also, ask about any additional insurance discounts or additional coverage the company can offer you.
You are also required to show proof of insurance when you get pulled over. Make sure you have your insurance card on you, whether it be in your wallet, on your phone, etc. or you will have to pay a hefty traffic ticket.
How are car insurance rates calculated in New York?
When searching and comparing quotes from the best auto insurance companies in New York, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record (individuals that keep a clean driving record tend to pay less in auto insurance than high-risk drivers)
- How much you drive
- Marital status
- Your car's make, model, and year
- Your credit history
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all auto policyholders so that when it comes time to pay a claim, they have enough money to payout. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, drivers simply wouldn't be able to afford the raised rates that are based on how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course, the at-fault driver may see a larger increase.
How can you save money on your annual premium in New York?
At the end of the day, we'd all like to have the best affordable car insurance quote from one of the best New York auto insurance carriers. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
How does Clearsurance rate and rank the best car insurance companies in New York?
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. The Clearsurance customer ratings and rankings of the best car insurance in New York are derived entirely from customer reviews and ratings.
Frequently Asked Questions
Who offers the best teen car insurance rates in New York?
Among the five companies analyzed, Geico is the cheapest car insurance option for both male and female teen drivers in New York, on average.
Who offers the best car insurance rates for a married couple in New York?
Out of the five companies analyzed, Progressive offers the cheapest car insurance rates for married couples in New York, on average.
Who offers the best senior car insurance rates in New York?
Among the five companies analyzed, Progressive provides the cheapest car insurance rates for male and female senior drivers in New York, on average.