New York is one of the more expensive states in which to get car insurance. As a result, knowing how to get the best deal on car insurance in New York is important. There are a variety of reasons why car insurance in New York state is more expensive on average, including the fact that there are a number of high-density population cities in the Empire state.
Why does this matter? It’s because there’s a higher risk of accidents when there are a lot of people on the road, from fender-benders to more serious accidents.
Although car insurance costs are higher in New York, it is possible to find the best New York auto insurance at a good price. You just need to carve out some time to do some research and keep the following tips in mind.
How to shop for New York car insurance
In order to find the best deal on New York car insurance and make the most of your time spent, consider following these tips.
- Shop around to find the best deal
The most important thing that you can do to find the best deal is to get quotes from multiple insurance carriers. It’s an obvious step, but one that a lot of people skip because it can be time-consuming. The good news is that there are more tools at your disposal than ever before to make this task easy.
While car insurance companies often ask for the same types of information when they provide you with an estimate, every carrier has its own formula to determine how much weight or emphasis to put on each factor. This means that even though the inputs are similar (where you live, how many miles you drive on average, and your driving record), the quotes that you receive can vary, sometimes by a lot.
- See if bundling your policies is an option
Many insurance companies may provide a financial incentive for you to have all of your policies with one company. The discount that customers receive when they have multiple types of insurance with the same company is called “bundling.” If you already have homeowners or renters insurance, see if your insurer offers auto insurance too. Then ask about a multi-line discount. Sometimes, this can save you quite a bit on your premiums.
- Ask about other discounts available
Similar to the discount for having multiple policies, insurance companies may offer other discounts to encourage or promote certain driver behaviors. For example, some companies offer premium discounts to drivers who have completed a safe driving course. Also if you don’t drive very frequently, or very few miles, that might also earn you some discounts on your insurance. The only way to find out if these discounts are available is to ask!
Top 3 car insurance companies in New York, according to customers
Clearsurance customers have a lot to say about their insurance companies, and this information can help you in your search to find the best New York car insurance. Customers often talk about price, but also mention other factors that might be important to you, such as great customer service or an easy-to-use website.
Here are the top three car insurance companies in New York as of July, 2020, according to reviews provided by customers.
Please note: In order to qualify for the list, companies must sell car insurance in New York, have at least 25 car insurance reviews, and they must be a Clearsurance affiliate and offer quotes on the site. For a complete and updated list of the top-rated companies in New York, you can visit the New York car insurance rankings page.
1. Progressive for New York car insurance
Progressive is a large and nationally known company. Clearsurance reviews are very positive. New Yorkers looking for auto insurance from a company that pays attention to its customers and offers a variety of coverage options should consider a quote from Progressive.
Pros: Clearsurance customers praised a range of positive attributes of Progressive insurance. They frequently mention transparent pricing, an easy-to-use website, and flexible billing options as positive factors.
Cons: As far as negatives are concerned, a Clearsurance analysis of reviews did not find any consistently mentioned “cons” from Progressive customers.
With many positives and no clear negatives, Progressive customers are largely pleased with their coverage according to a Clearsurance review of feedback provided.
Here’s a summary of findings:
- 80% said they are likely to renew their Progressive policy,
- 80% would recommend Progressive to a friend, and
- 79% rated the experience with a claim positively.
The Progressive review below highlights a positive experience that a New York car insurance customer submitted to Clearsurance.com.
2. Allstate for New York car insurance
Allstate is another large insurance carrier that is widely available, including in New York State. Allstate earned a score of 4.03 out of 5.00 for car insurance on Clearsurance.com, as of July, 2020.
Pros: In reviews provided by customers on Clearsurance, Allstate offers insurance with a variety of features that customers enjoy. Frequently mentioned in reviews are Allstate’s flexible billing and variety of coverage options, along with transparent pricing.
Cons: Similar to Progressive, a Clearsurance analysis of reviews did not reveal any frequently mentioned negatives from customers about Allstate Insurance.
Allstate’s customers are happy with their insurance, as indicated by the following summary points of the Clearsurance analysis of reviews:
- 80% state they’re likely to renew their Allstate policy.
- 78% would recommend Allstate to a friend, and
- 77% rated their claims experience as positive.
The review below was submitted by a New York Allstate customer and discusses the positive experience received.
3. Esurance for New York car insurance
Esurance (Esurance carrier profile page on Clearsurance) is another popular insurance option and is an Allstate company. Esurance was a leader in providing internet-based quotes and has maintained its reputation as a technology innovator when it comes to insurance products for auto and home. Esurance earned a score of 4.02 out of 5.00 stars for car insurance on Clearsurance.com, as of July, 2020. Get a quote from Esurance online now.
Pros: Customers on Clearsurance frequently note Esurance’s transparent pricing and that they explain coverage well. Also mentioned in reviews are Esurance’s easy-to-use website, and flexible billing options.
Cons: The only widely noted negative is that Esurance does not reward its loyal customers.
A Clearsurance analysis of reviews reveals the following:
- 74% of customers say they are likely to renew their Esurance policy,
- 77% say that they would recommend Esurance to a friend, and
- 75% rated their claims experience positively.
Among the many positive Esurance reviews on Clearsurance, the following one is from a New York customer.
Best car insurance for members of the military in New York: USAA
USAA has a big fan base of loyal customers, but there’s a catch. You have to be a member of the military or an immediate family member of someone who is to be eligible to join USAA in order to get USAA auto insurance.
Pros: USAA customers praise many aspects of its insurance services, from pricing and discounts to customer service. Specifically, customers mention transparent pricing, flexible billing, and an easy-to-use website as positives, along with the wide variety of coverage options.
Cons: No “cons” were regularly mentioned in conjunction with USAA with any frequency.
USAA customers think very highly of the company and this sentiment is reflected in an analysis of Clearsurance reviews:
- 93% are likely to renew their USAA policy,
- 94% would recommend the company to a friend, and
- 94% rated their claim experience positively.
The USAA review below highlights a great experience that a New York customer had.
Best car insurance for drivers aged 50+ in New York: AARP Auto Insurance Program from The Hartford
If you are 50 years old or older, you may want to add the AARP Auto Insurance Program from The Hartford to your list of insurance companies to research as you look for the best New York auto insurance. As with USAA, there’s an eligibility requirement that you must meet in order to access this insurance. It makes sense to research an insurance policy designed to meet the needs of those aged 50+. The program has a score of 4.63 out of 5.00 for car insurance on Clearsurance.com.
Pros: A Clearsurance analysis of reviews provided by customers shows that many are very happy with the transparent pricing and flexible billing offered by the AARP Auto Insurance Program from The Hartford, along with an easy to use website and great discounts offered. Many also highlight the wide variety of coverage options available as a positive.
Cons: One consistently identified negative is that the AARP Auto Insurance Program from The Hartford does not reward loyal customers.
Most reviewers are very happy with their policies from the AARP Auto Insurance Program from The Hartford. Clearsurance found that:
- 73% say that they are likely to renew their policies,
- 81% would recommend coverage from the AARP Auto Insurance Program from The Hartford to a friend, and
- 79% state that their claims experience was positive.
Among the positive reviews of the AARP Auto Insurance Program from The Hartford on Clearsurance.com, the following was written by a New York customer.
Top 3 New York car insurance companies based on customer price rating
When shopping for New York car insurance, one of the most important aspects to compare is the price of the policy. You should compare the price from several different companies to make sure that you’re getting a policy for a good value. Clearsurance analyzed New York companies and how customers rated the company for the price of their policies.
Below you can find the top 3 New York companies rated by customers for their perceptions of price. The top option is only available to military members and their families.
Please note: for this ranking, we looked at all car insurance companies in New York that had at least 25 reviews that included a rating on price. The ratings displayed are shown out of a 5-star scale.
- USAA Insurance (profile page on Clearsurance)*: New York price rating of 4.36
- Esurance (profile page on Clearsurance): New York price rating of 4.30
- Erie Insurance (profile page on Clearsurance): New York price rating of 4.24
*USAA is only available to active and former military members and their families.
The best New York car insurance is a policy that is the best price that offers the coverage that you need. For just a small amount of time in research, you could save a lot of money on your car insurance while also finding a company that fits your current life situation and budget. Be sure to shop for car insurance with Clearsurance’s best New York car insurance ranking.
The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.