Cheapest Car Insurance in New York (2025)
Top New York auto insurance companies
Cheapest full-coverage car insurance in New York: Progressive
NYCM has a better customer satisfaction rating than Progressive from J.D. Power. Progressive, on the other hand, offers gap insurance You may need gap insurance if you owe more for your car than it’s worth. It’s required for some loans. , which NYCM doesn’t have.
Full-coverage NY auto insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Progressive | $1,201 |  |
 | NYCM | $1,327 |  |
 | Nationwide | $2,185 |  |
 | State Farm | $2,456 | |
 | Geico | $2,590 |  |
 | Allstate | $3,367 | |
 | Travelers | $3,452 | |
 | USAA* | $1,610 | |
Full coverage car insurance includes collision Collision covers damage to your car from a collision with another vehicle or object. and comprehensive Comprehensive covers your car for theft or damage from non-collision causes like vandalism, flood and fire. . Neither is required by law, but you’ll usually need both for a car loan or lease.
The average cost of full coverage is $189 a month statewide, but your actual rate will depend on factors like your driving record, age, location and credit. Each company weighs these factors differently.
Because of this, you should compare car insurance quotes from a few companies when you buy or renew your policy in order to find the best price.
Cheapest New York liability auto insurance: NYCM
Both companies make quotes available through independent insurance agents. In many cases, the same agent can get you quotes from both companies — and others as well. However, they can’t get you quotes from exclusive-agent companies, like State Farm and Allstate.
Liability insurance rates
| Company | Annual rate |
|---|---|
| NYCM | $475 |
| Progressive | $665 |
| Nationwide | $1,003 |
| Geico | $1,204 |
| State Farm | $1,389 |
| Travelers | $1,787 |
| Allstate | $1,838 |
| USAA* | $764 |
Cheap car insurance for New York teens: NYCM
NYCM charges young drivers an average of $194 a month for full coverage. This is 35% less than Progressive’s rate of $300 a month.
Annual teen car insurance rates
| Company | Liability | Full coverage |
|---|---|---|
| NYCM | $828 | $2,329 |
| Progressive | $2,147 | $3,602 |
| Nationwide | $2,899 | $6,304 |
| Allstate | $4,326 | $9,202 |
| State Farm | $4,421 | $7,873 |
| Travelers | $4,551 | $8,853 |
| Geico | $4,720 | $9,736 |
| USAA* | $2,700 | $5,322 |
The average cost of liability insurance for young New York drivers is $277 a month. However, teens usually get cheaper rates when they’re added to a parent’s policy than they do on their own.
Several car insurance companies also give young drivers discounts for:
- Getting good grades
- Completing a driver training course
- Going off to college without a car
NYCM offers all three of these discounts. Progressive doesn’t offer a driver training discount, but it does have the other two.
If you’re a parent, Progressive also gives you a discount just for adding a teen under 18 to your policy. However, you’ll have to be with Progressive for at least a year before you can get this discount.
Best insurance for New York drivers with a speeding ticket: Progressive
A ticket raises the average price of car insurance in New York by 15% to $219 a month. However, these price increases vary by company, so it’s especially important to compare quotes if you have a bad driving record.
Auto insurance rates after a ticket
| Company | Annual rate |
|---|---|
| Progressive | $1,238 |
| NYCM | $1,327 |
| Nationwide | $2,500 |
| State Farm | $2,700 |
| Geico | $3,332 |
| Travelers | $3,944 |
| Allstate | $4,125 |
| USAA* | $1,814 |
Cheap New York car insurance after an accident: NYCM
This is 15% less than the next-cheapest average rate, Progressive’s $158 a month.
An accident increases the average cost of car insurance in New York by 28%. You can protect yourself from a rate increase like this by adding accident forgiveness With accident forgiveness, your first accident won’t make your car insurance rates go up. to your policy.
Accident forgiveness usually costs extra, and you have to add it to your policy before an accident. NYCM, Progressive and Nationwide are among the companies that offer it.
Auto insurance rates with an accident
| Company | Annual rate |
|---|---|
| NYCM | $1,610 |
| Progressive | $1,891 |
| Nationwide | $2,869 |
| State Farm | $2,943 |
| Allstate | $3,367 |
| Travelers | $4,410 |
| Geico | $4,660 |
| USAA* | $1,610 |
Cheap car insurance for NY teens with a bad record: NYCM
Teens with a bad driving record can get the cheapest car insurance quotes from NYCM.
The company also has the cheapest liability rates for teens with an accident at $100 a month. This is 51% less than Progressive’s rate of $203 a month.
Annual rates for teens with a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| NYCM | $828 | $1,205 |
| Progressive | $2,147 | $2,436 |
| Nationwide | $3,110 | $3,267 |
| State Farm | $4,910 | $5,399 |
| Travelers | $5,395 | $6,108 |
| Geico | $5,499 | $6,118 |
| Allstate | $5,575 | $4,326 |
| USAA* | $2,700 | $2,700 |
Cheap New York car insurance after a DUI: Progressive
A DUI (driving under the influence) conviction raises the average price of car insurance in New York by 88% to $356 a month, or $4,277 a year. Shopping around can often help you find a cheaper rate.
Auto insurance rates after a DUI
| Company | Annual rate |
|---|---|
| Progressive | $1,256 |
| NYCM | $1,981 |
| Nationwide | $3,569 |
| Travelers | $4,322 |
| Allstate | $4,702 |
| State Farm | $7,737 |
| Geico | $8,358 |
| USAA* | $2,289 |
New York’s best bad credit car insurance: Nationwide
This is 28% less than the next-cheapest rate of $252 a month from USAA. However, USAA is only available to the military community and their families.
NYCM has the third-cheapest car insurance for those with bad credit at an average of $263 a month.
Bad credit car insurance rates
| Company | Annual rate |
|---|---|
| Nationwide | $2,185 |
| NYCM | $3,157 |
| Geico | $3,684 |
| State Farm | $5,362 |
| Allstate | $5,639 |
| Travelers | $7,037 |
| Progressive | $10,890 |
| USAA* | $3,025 |
Best car insurance companies in New York
State Farm is the nation’s largest insurance company. It offers state-of-the-art digital tools, including online quotes and a safe driving app which, it says, can save you up to 30%.
NYCM often has cheaper rates than State Farm. However, its website is pretty basic. It lets you pay your bill and file a claim online, but it does not offer online quotes —instead, it helps you find independent insurance agents near you who can help.
NYCM also doesn’t have a safe driving discount app. However, it does offer original equipment manufacturer (OEM) OEM pays to repair your car with parts from the original manufacturer, instead of cheaper after-market substitutes. coverage and accident forgiveness. These are useful add-ons that you can’t get from State Farm.
NY auto insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A | |
| NYCM | 659 | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
New York car insurance rates by city
The Queens neighborhood of St. Albans has the next-highest rate at $451 a month.
The average cost of car insurance among all New York City boroughs is $375 a month, or $4,500 a year, which is nearly double the state average.
NYC insurance rates by borough
| Borough | Annual rate |
|---|---|
| Bronx | $5,153 |
| Brooklyn | $5,748 |
| Manhattan | $3,628 |
| Queens | $4,829 |
| Staten Island | $3,920 |
On the other end of the spectrum, drivers in Coopers Plains and Gang Mills have the state’s cheapest car insurance.
Rates in each of these Steuben County hamlets average $132 a month. This is 31% less than the state average.
NY car insurance rates by city or town
| City | Average annual rate |
|---|---|
| Albany | $1,582 |
| Binghamton | $1,465 |
| Buffalo | $2,077 |
| Freeport | $3,542 |
| Hempstead | $4,004 |
| Ithaca | $1,514 |
| Kiryas Joel | $2,272 |
| Long Beach | $3,448 |
| Middletown | $2,288 |
| Mount Vernon | $3,149 |
| New Rochelle | $2,378 |
| New York | $3,718 |
| Niagara Falls | $1,779 |
| North Tonawanda | $1,714 |
| Poughkeepsie | $1,998 |
| Rochester | $1,505 |
| Rome | $1,554 |
| Schenectady | $1,558 |
| Spring Valley | $2,544 |
| Syracuse | $1,597 |
| Troy | $1,539 |
| Utica | $1,609 |
| Valley Stream | $3,567 |
| White Plains | $2,308 |
| Yonkers | $2,728 |
Minimum New York auto insurance requirements
State insurance requirements
| Coverage | Minimum limit |
|---|---|
| Personal injury protection | $50,000 |
| Bodily injury liability | $25,000 per person, $50,000 per accident |
| Property damage liability | $10,000 |
| Uninsured motorist | $25,000 per person, $50,000 per accident |
| Personal injury protection | $50,000 |
New York’s no-fault insurance laws
PIP is also known as no-fault insurance. Your PIP covers your initial treatment for car accident injuries, even if another driver causes the accident. You can usually only file a liability claim against an at-fault driver if your injuries are particularly severe.
New York’s no-fault system only applies to car accident injuries. If you cause an accident, you have to pay for other people’s car repairs. This is where your property damage liability coverage would kick in.