Best and Cheapest Car Insurance in New York (Lower Your Rates With These Top 10 Companies in 2024)

The best and cheapest car insurance in New York comes from Geico, USAA, and Progressive.

Geico is our best New York auto insurance company because it offers affordable rates, generous discounts, and a solid selection of add-ons. While Geico is one of the best car insurance companies in general, New York drivers in particular can benefit from a Geico policy.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$40	A++	Cheap Rates	Geico
	#2	$44	A++	Military Benefits	USAA
	#3	$50	A+	Many Discounts	Progressive
	#4	$71	B	Coverage Options	State Farm
	#5	$72	A	Claims Service	American Family
	#6	$76	A+	Loyalty Programs	Allstate
	#7	$85	A+	Safe Drivers	Nationwide
	#8	$86	A	Multi-Policy Savings	Farmers
	#9	$90	A++	Customized Policies	Travelers
	#10	$104	A	Affinity Discounts	Liberty Mutual

However, Geico isn’t the only option for cheap car insurance in New York. Read on to explore all of the top car insurance companies in New York. Then, enter your ZIP code into our free comparison tool to see personalized quotes.

What You Should Know

• New York drivers pay about the same as the national average for car insurance
• You can save on your New York car insurance by finding discounts
• Geico and USAA have the cheapest New York car insurance

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

#1 – Geico: Top Pick Overall

Pros

• Competitive Pricing: Geico often provides some of the lowest rates in New York.
• User-Friendly Digital Tools: Drivers looking for a modern insurance experience will appreciate Geico’s excellent mobile app and online account management tools.
• Wide Range of Discounts: Get the cheapest car insurance in New York by taking advantage of Geico’s numerous discounts. .

Cons

• Mixed Claim Handling Reviews: Despite being the best New York auto insurance company, some customers report challenges with the Geico claims process, particularly regarding the company’s communication.
• Limited Local Agents: Geico seeks to provide a more modern take on traditional car insurance. While it offers robust digital tools, it has fewer representatives to get in-person help.

#2 – USAA: Best for Military Members

Pros

• Competitive Rates: USAA usually provides the cheapest car insurance in NY compared to other insurers.
• Excellent Customer Service: With a reputation for high satisfaction ratings – particularly in New York – you’ll get excellent service from USAA car insurance review.
• Exclusive Discounts: USAA offers 14 ways to save, including special discounts for military members and their families.

Cons

• Eligibility Restrictions: Auto insurance in NY is only available to military members, veterans, and their families. See if you qualify for membership in our USAA.
• Limited Local Presence: USAA doesn’t have as many physical locations in New York as many of its competitors have.

#3 – Progressive: Best for New York Drivers on a Budget

Pros

• Snapshot Program: Snapshot is Progressive’s usage-based insurance (UBI) program that rewards safe driving with a discount of up to 30%.
• Affordable Prices: When you need cheap car insurance in NY, Progressive is usually a great choice. See how much you might pay in our Progressive car insurance review.
• Name Your Price Tool: Enter your desired monthly premium into Progressive’s Name Your Price tool to see policies that match your budget.

Cons

• Mixed Reviews on Claims: While Progressive offers some of the best auto insurance in New York, it doesn’t have the best customer service ratings.
• Potential for Rate Increases: Progressive rates can increase significantly after accidents or violations. Additionally, many customers complain that their auto insurance quotes in NY increased even though they didn’t file a claim.

#4 – State Farm: Best for Personalized Customer Service

Pros

• Drive Safe & Save: Enroll in State Farm’s UBI program Drive Safe & Save to earn up to 30% by practicing safe driving habits.
• Discounts for Safe Drivers: Safe drivers can get cheap car insurance in New York by taking advantage of State Farm’s multiple discounts.
• Comprehensive Coverage Options: State Farm offers a wide range of coverage choices, including customized policies for New York residents. See how you can get the best auto insurance in New York in our State Farm car insurance review.

Cons

• Higher Premiums: While it’s often an affordable choice for car insurance in NY, State Farm can be more expensive for high-risk drivers.
• Customer Service Variability: The State Farm customer service experience can vary significantly by agent and location.

#5 – American Family: Best for Quick Claims Handling

Pros

• Extensive Network of Local Agents: American Family maintains an extensive network of local agents to provide personalized service to all its drivers.
• Unique Discounts: Get low auto insurance quotes in New York with American Family’s unique list of discounts. Explore all your savings opportunities in our review of American Family car insurance.
• High Customer Satisfaction: American Family receives mostly positive reviews for its customer service and claims handling.

Cons

• Limited Availability in New York: While you can’t get direct car insurance quotes in New York, American Family has subsidiaries you can purchase affordable coverage from.
• Digital Tools: American Family’s online and mobile tools could be more user-friendly.

#6 – Allstate: Best for Full Coverage Policies

Pros

• Accident Forgiveness: While it’s not one of the cheapest car insurance companies in NY, Allstate’s accident forgiveness prevents your rates from increasing after an accident.
• UBI Programs: Allstate offers two UBI programs to get the best car insurance in New York: Drivewise and Milewise. See which is best for you in our Allstate car insurance review .
• Full Coverage Policies: Allstate earns its spot as one of the best car insurance companies in New York by offering full coverage policies that meet every need.

Cons

• Higher Premiums: It may offer excellent coverage, but you’ll have to pay more for an Allstate policy. Allstate is usually one of the pricier car insurance in New York options.
• Mixed Customer Service Ratings: Despite having a reputation for some of the best automotive insurance in New York, Allstate receives mixed ratings on its customer service experience.

#7 – Nationwide: Best for Safe Driver Savings

Pros

• Vanishing Deductible: Drivers who avoid filing claims can have their deductibles reduced when they sign up or Nationwide’s vanishing deductible.
• SmartRide: Nationwide offers one of the best UBI discounts on the market. Get cheap insurance in New York by earning up to 40% off with SmartRide.
• Ample Coverage Options: With a long list of coverage options, Nationwide makes it easy to get the best car insurance in NY.

Cons

• Higher Average Rates: Nationwide isn’t usually the most expensive option in New York, but it’s also not the cheapest. See how much you might pay in our Nationwide car insurance review.
• Limited Digital Experience: Many customers report that Nationwide’s online tools and app features car be disappointing.

#8 – Farmers: Best Selection of New York Discounts

Pros

• Generous Discounts: With 23 options, Farmers has one of the best selections of discounts in New York. See how many discounts you might qualify for in our Farmers car insurance review.
• Signal App: Farmers offers a UBI program called Signal, which you use by downloading the app. If you regularly practice safe driving habits, you can save up to 30% on your insurance.
• Extensive Coverage Options: Farmers provides a wide range of coverage options tailored to New York drivers.

Cons

• Expensive Quotes: Farmers is rarely the cheapest option for auto insurance in New York.
• Limited Availability: Your Farmers options for coverage and discounts can vary between cities. Make sure to evaluate car insurance quotes in NY from Farmers to make sure your policy includes everything you need.

#9 – Travelers: Best for Excellent Customer Service

Pros

• Wide Range of Discounts: Travelers offers drivers 15 ways to save on their insurance, including discounts for hybrid vehicles and safe driving.
• Friendly Local Agents: Travelers maintains a strong presence of local agents throughout New York, so drivers are never without help.
• High Customer Satisfaction: Customers tend to leave positive reviews for the Travelers customer service experience in New York. See what customers say about this provider in our Travelers car insurance review.

Cons

• Higher Premiums for High-Risk Drivers: Drivers with at-fault accidents, speeding tickets, and DUIs will likely find cheaper rates elsewhere.
• Limited Online Tools: Some customers find the Travelers digital experience less user-friendly.

#10 – Liberty Mutual: Best for Diverse Coverage Options

Pros

• Diverse Coverage Options: While it sells standard options you can find at most companies, Liberty Mutual sets itself apart by offering add-ons you won’t find elsewhere. Learn more in our car insurance review of Liberty Mutual.
• Accident Forgiveness: Liberty Mutual is one of a handful of insurance companies that provide accident forgiveness.
• RightTrack: Get affordable car insurance in NY by earning up to 30% off your monthly premiums with Liberty Mutual’s RightTrack.

Cons

• Expensive Coverage: A minimum insurance policy from Liberty Mutual is usually affordable, but adding more coverage to your policy will increase your monthly premiums quickly.
• Below Average Customer Service: Liberty Mutual’s selection of insurance options might impress customers, but the service provided by its representatives does not.

New York Car Insurance Rates

New York City may have a reputation for being an expensive place to live, but car insurance rates in the Empire State aren’t necessarily high. Check the rates below to see how much you might pay for your New York car insurance.

Insurance Company	Minimum Coverage	Full Coverage
Allstate	$76	$147
American Family	$72	$137
Farmers	$86	$165
Geico	$40	$78
Liberty Mutual	$104	$200
Nationwide	$85	$164
Progressive	$50	$96
State Farm	$71	$137
Travelers	$90	$175
USAA	$44	$85

Of course, you’ll pay higher rates if you want more car insurance. For example, the best car insurance companies that cover car windows will have higher rates than the companies providing the best minimum coverage.

However, there are plenty of ways to save. You can do things like reduce your coverage or increase your deductible, but the easiest way is to find car insurance discounts. Check out a selection of discounts from our top companies to see popular ways New York drivers save.

The most important step to take when you want low rates is to compare quotes. Insurance companies make it easy to get personalized quotes when you visit their websites.

Don’t have the time to visit individual websites? You can get multiple car insurance quotes at once by using an online quote-generating tool with some basic information.

New York Car Insurance Rates for Teens

Among the five companies analyzed, Geico is the cheapest auto insurance policy option for new driver car insurance 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.

Insurance Company	Female Teen Rates	Male Teen Rates
Allstate Insurance	$289	$294
Geico	$168	$248
Progressive	$234	$248
State Farm Insurance	$228	$256

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.

New York Car Insurance Rates for Married Couples

Out of the best car insurance companies for married couples analyzed, Progressive offers the cheapest average rates 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.

Insurance Company	Married Couple Rates
Allstate Insurance	$212
Geico	$269
Progressive	$204
State Farm Insurance	$271

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.

New York Car Insurance Rates for Older Drivers

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 best car insurance companies for senior drivers. Keep in mind, getting quotes is the best way to get prices based on your unique combination of qualifying factors.

Insurance Company	Female Senior Rates	Male Senior Rates
Allstate Insurance	$129	$132
Geico	$157	$160
Progressive	$96	$97
State Farm Insurance	$130	$135

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 Cities for New York Car Insurance

Premiums in New York vary significantly based on cities and neighborhoods. Looking at consumer car insurance claims ratings can give you an idea of which companies have the best customer service, but knowing how much you might be charged is just as important. For that information, you'll need to compare rates by ZIP code.

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	$104
Big Flats	$105
Horseheads	$105
Painted Post	$106
Elmira	$106
Pine City	$107
Wellsburg	$107
Campbell	$108
Phelps	$109
Manchester	$110

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.

Most Expensive Cities for New York Car Insurance

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. While you'll pay more if you need the best car insurance for high-risk drivers, some drivers will automatically pay more based on where they live.

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
Brooklyn	$385
St. Albans	$364
South Ozone Park	$358
Cambria Heights	$358
Howard Beach	$356
Ozone Park	$357
South Richmond Hill	$354
Richmond Hill	$351
Rosedale	$350
Woodhaven	$349

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.

New York Car Insurance Requirements

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:

Liability:

• 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 New York Car Insurance Rates are Calculated

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. These factors are why it's important to use our ultimate guide to switching car insurance companies to save money so you can get affordable coverage no matter where you live.

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
• Location
• Age
• Marital status
• Gender
• 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 to Save on Your New York Car Insurance

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 Clearsurance Ranks 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:

• Price
• 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.

Whether you need best car insurance for high-risk drivers or want the cheapest minimum coverage possible, you can find affordable New York auto insurance rates by comparing quotes. Enter your ZIP code into our free tool to see how much you might pay for your insurance.