How much is basic car insurance in NY?

The average cost of basic car insurance in New York is $93 per month, or $1,114 per year. In New York, you must carry liability insurance with the following coverage amounts, at a minimum: $25,000 per person for bodily injuries and $50,000 per person in case of death. $50,000 for two or more people for bodily injury and $100,000 in case of death. $10,000 in property damage coverage per accident. You’re also required to have: $25,000 in uninsured motorist bodily injury coverage per person and $50,000 per accident. $50,000 in personal injury protection (PIP), also known as “no-fault” coverage.

Does New York accept digital insurance cards?

Yes, in New York, you can show electronic proof of insurance. You can use your digital insurance for the following: Acquiring registration at the DMV. Providing proof of insurance coverage at a traffic stop. Providing proof of insurance coverage to a judge/justice/magistrate in response to a summons.

Best car insurance in New York 2024

Q: Who has the cheapest car insurance in NY?

Progressive offers the cheapest car insurance in New York for good drivers, costing an average of $103 per month, or $1,231 per year. To find the cheapest and best car insurance in New York, compare car insurance quotes from multiple car insurance companies.

Q: Is New York a no-fault state?

Yes, New York is a no-fault state. For this reason, New York requires drivers to carry personal injury protection (PIP), which pays out for medical expenses if the driver, their passengers or a pedestrian are injured in an accident, regardless of who was at fault.

Timothy Moore

BLUEPRINT

Updated 12:48 p.m. UTC April 8, 2024

Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy.

Progressive is the best car insurance company in New York. Among the companies we analyzed, it has the cheapest car insurance for good drivers — $1,356 less than the statewide average. Progressive also has a very low level of consumer complaints to state insurance departments, implying that customers are satisfied with coverage and claims handling.

Other good choices for car insurance in New York include Main Street America, New York Central Mutual (NYCM) and USAA.

The best car insurance companies in New York

Best car insurance in New York: Progressive.
Best car insurance for high-risk drivers in New York: Main Street America.
Best car insurance for customer satisfaction in New York: New York Central Mutual.
Best car insurance for military in New York: USAA.

Why trust our car insurance experts

Our team of car insurance experts brings to the table decades of experience in the auto insurance industry, both as editors and consumers. We approach our car insurance analysis the way we would for ourselves or our family members, focusing on the factors that matter the most: rates, coverage and features available, customer complaints and the collision repair process.

We use a data-driven methodology to evaluate hundreds of insurance products, analyze thousands of data points and rate each insurer to help you find the best car insurance product for your situation. Advertisers never influence our editorial content.

You can read more about our methodology below.

14 New York car insurance companies reviewed.
112 New York car insurance rates analyzed.
5 levels of fact-checking.

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Best car insurance companies in New York comparison

Here’s how the top-scoring New York car insurance companies compare.

NEW YORK CAR INSURANCE COMPANY	OUR RATING	AVERAGE MONTHLY CAR INSURANCE COST IN NEW YORK	CUSTOMER COMPLAINT LEVEL
Progressive	5.0 stars	$103	Very low
Main Street America	5.0 stars	$106	Low
NYCM	4.5 stars	$146	Very low
USAA	4.0 stars	$138	Average

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Why it’s the best

Progressive offers the best car insurance in New York. It also has the cheapest car insurance in New York for a wide range of drivers and a very low level of customer complaints to the National Association of Insurance Commissioners (NAIC).

Progressive offers various discounts and ways to save, like home and auto bundles and the Snapshot safe driving program. However, drivers with bad credit should steer clear of Progressive because its rates for poor credit are the highest in our analysis.

Read our full Progressive car insurance review

Pros and cons

Pros

Cheapest rates for good drivers in New York.
Low rates for adding a teen driver (16 to 19) to a parent policy.
Rideshare and gap insurance available.
Very low level of customer complaints.

Cons

Very high rates for drivers with bad credit.
New car replacement coverage not available.

Customer reviews

Progressive has a very low level of customer complaints. Its complaint ratio is 0.2, well below the national average of 1.0.

We review the most recent National Association of Insurance Commissioners (NAIC) data to determine a car insurance company’s complaint level. NAIC complaint data reflects the number and types of complaints customers submit to their state’s insurance department or equivalent entity.

Cost of car insurance in New York

Driver profile	Average monthly cost of car insurance in New York	Average annual cost of car insurance in New York
Good driver	$103	$1,231
After an accident with injuries	$135	$1,614
After an accident with property damage	$159	$1,910
After a speeding ticket	$122	$1,458
DUI	$116	$1,391
Poor credit	$994	$11,923
After a lapse in coverage	$103	$1,231
Adding a teen driver (16 to 19)	$265	$3,183

New York car insurance discounts

Progressive discounts can vary by state, driver and even ZIP code. Check with your agent to see which discounts you qualify for.

Accident-free.
Airbags.
Anti-lock.
Continuous insurance.
Good student.
Multi-car.
Multi-policy.
One-time sign online.
Pay in full.
Paperless billing.
Safe driving.
Snapshot: Safe Driver.

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Why it’s the best

Main Street America, now part of American Family Insurance, has the lowest rates for most high-risk drivers of any insurer in our rating. Its rates are also low for good drivers. However, you’ll pay a lot more if you have bad credit.

You’ll need to talk to a live agent to get a quote, so Main Street America isn’t ideal if you prefer to keep the insurance purchasing process entirely online.

Pros and cons

Pros

Low rates for high-risk drivers.
New vehicle replacement available.
Offers accident forgiveness and diminishing deductible.

Cons

Must contact an agent for a quote.
High rates for drivers with bad credit.

Customer reviews

Main Street America (part of American Family Insurance) has a low level of customer complaints. Its complaint ratio is 0.5, below the national average of 1.0.

Cost of car insurance in New York

Driver profile	Average monthly cost of car insurance in New York	Average annual cost of car insurance in New York
Good driver	$106	$1,277
After an accident with injuries	$138	$1,659
After an accident with property damage	$138	$1,659
After a speeding ticket	$111	$1,332
DUI	$126	$1,513
Poor credit	$559	$6,705
After a lapse in coverage	$106	$1,277
Adding a teen driver (16 to 19)	$271	$3,248

New York car insurance discounts

Availability of car insurance discounts can vary. Ask your agents about the following discounts:

Accident-free.
Auto safety equipment.
Bundling.
Defensive driver course.
Good student.
Loyalty.
Multi-vehicle/bundling.
Pay in full.
Violation-free.

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Why it’s the best

New York Central Mutual is the best car insurance company for customer satisfaction because it has the lowest level of customer complaints among the top-scoring companies in our rating. NYCM also earned the top spot among New York auto insurers in J.D. Power’s customer satisfaction surveys in 2022 and 2023.

NYCM offers the cheapest average rate for adding a teen driver (16 to 19) to a parent policy: $2,674 per year. However, you can’t get a quote online — you’ll have to call and connect with an agent.

Pros and cons

Pros

Lowest level of customer complaints out of our top-scoring New York car insurance companies.
Cheapest rates for adding a teen driver (16 to 19) to your policy.
Below-average rates for most types of drivers.
J.D. Power winner for customer satisfaction in 2022 and 2023.
New York-based company.

Cons

Must contact an agent for a quote.
Only available in NY — must change insurers if you move.

Customer reviews

NYCM has a very low level of customer complaints and the lowest among the top-scoring New York car insurance companies. Its complaint ratio is 0.04, well below the national average of 1.0.

Cost of car insurance in New York

Driver profile	Average monthly cost of car insurance in New York	Average annual cost of car insurance in New York
Good driver	$146	$1,750
After an accident with injuries	$180	$2,156
After an accident with property damage	$180	$2,156
After a speeding ticket	$180	$2,156
DUI	$195	$2,344
Poor credit	$344	$4,129
After a lapse in coverage	$146	$1,750
Adding a teen driver (16 to 19)	$223	$2,674

New York car insurance discounts

NYCM discount availability and eligibility can vary. Check with your agent about the following:

Accident prevention course.
Airbag/automatic seatbelt.
Alarm system.
Anti-lock braking system.
Auto-pay.
Claims-free.
Coupler/combination (NYCM’s name for bundling).
Daytime running lamps.
Driver training.
Good student.
Homeownership.
Injury protection program.
New car.
Paid in full.
Senior.
Student away at school.

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Why it’s the best

USAA has a reputation for offering competitive insurance rates and discounts to the military community, making it the best car insurance for military members in New York. Out of all of our top-scoring New York car insurance companies, USAA provides the cheapest car insurance for drivers with poor credit.

USAA also offers a wide range of coverage options to drivers in New York, including accident forgiveness, new car replacement and rideshare coverage. Several discounts and features, such as the SafePilot usage-based insurance program, encourage safe driving and can lower rates for good drivers. However, USAA is only available to the military community and their eligible family members.

Read our full USAA car insurance review

Pros and cons

Pros

Exclusive coverage and competitive rates for members of the military community.
Competitively priced high-coverage car insurance in NY.
Lowest rates for drivers with poor credit out of our top-scoring companies.
Accident forgiveness, new car replacement and rideshare coverage are available.
Online quotes available.

Cons

Only available to members of the military community and their families.
More customer complaints than other insurers in our review.

Customer reviews

USAA has an average level of customer complaints. Its complaint ratio is 1.0, which is on par with the national average.

Cost of car insurance in New York

Driver profile	Average monthly cost of car insurance in New York	Average annual cost of car insurance in New York
Good driver	$138	$1,656
After an accident with injuries	$138	$1,656
After an accident with property damage	$179	$2,151
After a speeding ticket	$156	$1,871
DUI	$179	$2,143
Poor credit	$260	$3,114
After a lapse in coverage	$138	$1,656
Adding a teen driver (16 to 19)	$369	$4,425

New York car insurance discounts

USAA discounts can vary depending on various factors, like where you live and your driving history. Here are some standard USAA car insurance discounts:

Annual mileage and storage.
Anti-theft.
Good driver.
Good student.
MyUSAA Legacy.
Military on-base.
Multi-policy/bundling.
New vehicle discount.

How much does car insurance cost in New York?

New York car insurance costs an average of $216 per month, or $2,587 per year, for good drivers with a full coverage policy, according to our analysis of rates. However, rates vary significantly depending on your driving history and where you live.

For example, if you have a DUI on your record, you may pay an average of $339 per month, or $4,070 per year, for New York car insurance.

Other factors that impact the cost of car insurance in New York include:

Your age.
Your gender.
Type and amount of coverage you purchase.
Deductible you choose, when applicable.
Make and model of your vehicle.
Your ZIP code.

Average cost of car insurance in New York by driver profile

DRIVER PROFILE	ANNUAL CAR INSURANCE	MONTHLY CAR INSURANCE
Good driver	$2,587	$216
After a gap in coverage	$2,838	$237
After an accident with property damage	$3,623	$302
After a speeding ticket	$3,314	$276
After an accident with injury	$3,613	$301
Poor credit	$5,516	$460
After a DUI	$4,070	$339
High-risk drivers	$3,492	$291
Adding a teen driver (16 to 19)	$5,005	$417

Cheapest car insurance companies in New York

Progressive is the cheapest car insurance company in New York for a driver with a clean record. According to our analysis of rates, the average rate for a good driver is $103 per month or $1,231 per year.

All of the top-scoring companies in our analysis have average rates below $2,000 per year for good drivers. However, you can expect higher rates after violations like a DUI, speeding ticket or an at-fault accident. A poor credit score can also lead to higher car insurance rates.

Use the table below to see which car insurance companies offer rates less than $216 per month, the statewide average for good drivers.

CAR INSURANCE COMPANY	AVERAGE MONTHLY CAR INSURANCE RATE IN NEWYORK	AVERAGE ANNUAL CAR INSURANCE RATE IN NEWYORK	COMPARED TO THE NATIONAL AVERAGE
Progressive	$103	$1,231	-$1,356
Main Street America	$106	$1,277	-$1,310
USAA	$138	$1,656	-$931
NYCM	$146	$1,750	-$837
Geico	$166	$1,997	-$590
Allstate	$176	$2,113	-$474
Erie	$192	$2,299	-$288

Average cost of car insurance in New York by city and company

Here’s the average rate for a full-coverage car insurance policy for a New York driver with a clean driving record.

CITY	CAR INSURANCE COMPANY	AVERAGE ANNUAL COST	AVERAGE MONTHLY COST
Albany	Progressive	$870	$73
Albany	National Grange Mutual	$1,079	$90
Albany	New York Central Mutual Fire	$1,242	$104
Albany	USAA	$1,364	$114
Albany	Erie	$1,437	$120
Albany	Preferred Mutual	$1,550	$129
Albany	Allstate	$1,612	$134
Albany	Geico	$1,616	$135
Albany	Sterling	$1,822	$152
Albany	State Farm	$1,867	$156
Albany	Mercury	$2,381	$198
Albany	Kemper	$2,504	$209
Albany	Central Mutual	$2,657	$221
Albany	Travelers	$2,720	$227
Albany	Chubb	$2,950	$246
Albany	Utica National	$3,186	$266
Albany	Hanover	$4,216	$351
Buffalo	Progressive	$1,214	$101
Buffalo	New York Central Mutual Fire	$1,623	$135
Buffalo	National Grange Mutual	$1,653	$138
Buffalo	Allstate	$1,921	$160
Buffalo	USAA	$1,920	$160
Buffalo	Erie	$2,284	$190
Buffalo	Geico	$2,425	$202
Buffalo	Preferred Mutual	$2,428	$202
Buffalo	Sterling	$2,962	$247
Buffalo	Central Mutual	$3,203	$267
Buffalo	Mercury	$3,389	$282
Buffalo	Kemper	$3,398	$283
Buffalo	State Farm	$3,634	$303
Buffalo	Travelers	$3,654	$305
Buffalo	Chubb	$3,791	$316
Buffalo	Hanover	$4,354	$363
Buffalo	Utica National	$5,926	$494
New York	National Grange Mutual	$1,403	$117
New York	Progressive	$1,920	$160
New York	Geico	$2,533	$211
New York	USAA	$2,752	$229
New York	State Farm	$2,873	$239
New York	Allstate	$3,562	$297
New York	Erie	$4,010	$334
New York	New York Central Mutual Fire	$4,072	$339
New York	Chubb	$4,683	$390
New York	Sterling	$5,456	$455
New York	Kemper	$5,528	$461
New York	Travelers	$6,052	$504
New York	Mercury	$7,315	$610
New York	Hanover	$8,298	$692
New York	Utica National	$10,737	$895
New York	Preferred Mutual	$10,928	$911
New York	Central Mutual	$12,942	$1,079
Rochester	Progressive	$958	$80
Rochester	National Grange Mutual	$1,229	$102
Rochester	USAA	$1,260	$105
Rochester	New York Central Mutual Fire	$1,266	$106
Rochester	Sterling	$1,288	$107
Rochester	Preferred Mutual	$1,318	$110
Rochester	Erie	$1,510	$126
Rochester	Geico	$1,550	$129
Rochester	Allstate	$1,578	$132
Rochester	Central Mutual	$1,792	$149
Rochester	State Farm	$2,288	$191
Rochester	Chubb	$2,620	$218
Rochester	Travelers	$2,884	$240
Rochester	Kemper	$3,084	$257
Rochester	Mercury	$3,081	$257
Rochester	Utica National	$3,146	$262
Rochester	Hanover	$3,698	$308
Syracuse	Progressive	$1,044	$87
Syracuse	National Grange Mutual	$1,097	$91
Syracuse	New York Central Mutual Fire	$1,133	$94
Syracuse	USAA	$1,296	$108
Syracuse	Preferred Mutual	$1,374	$115
Syracuse	Erie	$1,456	$121
Syracuse	Allstate	$1,661	$138
Syracuse	Sterling	$1,735	$145
Syracuse	Geico	$1,851	$154
Syracuse	Central Mutual	$2,154	$180
Syracuse	State Farm	$2,249	$187
Syracuse	Travelers	$2,940	$245
Syracuse	Chubb	$2,960	$247
Syracuse	Mercury	$2,972	$248
Syracuse	Kemper	$3,228	$269
Syracuse	Utica National	$3,572	$298
Syracuse	Hanover	$4,196	$350

Cheapest car insurance in New York by driver profile

After a speeding ticket.
After an accident.
After a DUI.
With poor credit.
After a gap in coverage.
High-risk drivers.
Adding a teen driver (16 to 19) to a parent policy.

Cheapest car insurance after a speeding ticket in New York

The cheapest car insurance company in New York for drivers after a speeding ticket is Main Street America. Its rate is $111 per month, or $1,332 per year.

If you have a speeding ticket, Progressive may also be a good fit. With an average rate of $122 per month, it’s the second cheapest option. USAA also offers rates under $200 per month for drivers with a speeding ticket in New York.

Car insurance company	Average NY annual car insurance rate	Average NY monthly car insurance rate
Main Street America	$1,332	$111
Progressive	$1,458	$122
USAA	$1,871	$156
Allstate	$2,532	$211
New York average	$3,314	$1,657

Cheapest car insurance after an accident in New York

Progressive and Main Street America

If you have an accident with injuries on your record, Progressive may offer the most affordable car insurance. Those with accidents that only resulted in property damage can find low rates with Main Street America.

All of our top-scoring car insurance companies offer rates below the statewide average in New York for drivers with accidents on their record.

Cheapest car insurance after an accident with injuries

Car insurance company	Average NY annual car insurance rate	Average NY monthly car insurance rate	Learn More CTA text	Learn more CTA below text
Progressive	$1,614	$135	Compare Quotes	Compare quotes offered by participating partners
USAA	$1,656	$138	Compare Quotes	Compare quotes offered by participating partners
Main Street America	$1,659	$138	Compare Quotes	Compare quotes offered by participating partners
NYCM	$2,156	$180	Compare Quotes	Compare quotes offered by participating partners
New York average	$3,613	$301	Compare Quotes	Compare quotes offered by participating partners

Cheapest car insurance after an accident with property damage

Car insurance company	Average NY annual car insurance rate	Average NY monthly car insurance rate	Learn More CTA text	Learn more CTA below text
Main Street America	$1,659	$138	Compare Quotes	Compare quotes offered by participating partners
Progressive	$1,910	$160	Compare Quotes	Compare quotes offered by participating partners
USAA	$2,151	$180	Compare Quotes	Compare quotes offered by participating partners
NYCM	$2,156	$180	Compare Quotes	Compare quotes offered by participating partners
New York average	$3,623	$302	Compare Quotes	Compare quotes offered by participating partners

Cheapest car insurance after a DUI in New York

Progressive has the cheapest DUI car insurance in New York, with an average cost of $116 per month. Insurers may have some patience for drivers with accidents on their record, but if you get a DUI in New York, expect exceptionally high car insurance rates. The New York average is $339 per month, or $4,070 per year.

Main Street America also offers significantly lower rates than the New York average at $126 per month, or $1,513 per year.

Car insurance company	Average NY annual car insurance rate	Average NY monthly car insurance rate	Learn More CTA text	Learn more CTA below text
Progressive	$1,391	$116	Compare Quotes	Compare quotes offered by participating partners
Main Street America	$1,513	$126	Compare Quotes	Compare quotes offered by participating partners
USAA	$2,143	$179	Compare Quotes	Compare quotes offered by participating partners
NYCM	$2,344	$195	Compare Quotes	Compare quotes offered by participating partners
New York average	$4,070	$339	Compare Quotes	Compare quotes offered by participating partners

Cheapest car insurance with poor credit in New York

Allstate is your best bet for cheap car insurance in New York if you’re struggling with a low credit score. Geico is also worth considering. Of all the companies we analyzed, Allstate and Geico were the only two that charged under $3,000 per year for drivers with poor credit in New York. Though they weren’t top-scoring in our analysis, both receive 3.5 out of 5.0 stars.

Drivers with poor credit in New York pay the most for car insurance out of all the high-risk profiles we analyzed.

Car insurance company	Average NY annual car insurance rate	Average NY monthly car insurance rate	Learn More CTA text	Learn more CTA below text
Allstate	$2,101	$175	Compare Quotes	Compare quotes offered by participating partners
Geico	$2,562	$214	Compare Quotes	Compare quotes offered by participating partners
USAA	$3,114	$260	Compare Quotes	Compare quotes offered by participating partners
Preferred Mutual	$3,871	$323	Compare Quotes	Compare quotes offered by participating partners
NYCM	$4,129	$344	Compare Quotes	Compare quotes offered by participating partners
New York average	$5,516	$460	Compare Quotes	Compare quotes offered by participating partners

Cheapest car insurance after a gap in coverage in New York

Progressive is the cheapest insurance company in New York for drivers with a gap in car insurance coverage, with an average car insurance rate of $103 per month.

Main Street America, USAA and NYCM all offer rates under the state average for this driver profile.

Company	Average NY annual car insurance rate	Average NY monthly car insurance rate	Learn More CTA text	Learn more CTA below text
Progressive	$1,231	$103	Compare Quotes	Compare quotes offered by participating partners
Main Street America	$1,277	$106	Compare Quotes	Compare quotes offered by participating partners
USAA	$1,656	$138	Compare Quotes	Compare quotes offered by participating partners
NYCM	$1,750	$146	Compare Quotes	Compare quotes offered by participating partners
New York average	$2,838	$237	Compare Quotes	Compare quotes offered by participating partners

Cheapest car insurance for high-risk drivers in New York

Insurance companies may label you a high-risk driver if you have one or more at-fault accidents, DUIs, speeding violations or reckless driving violations on your record.

Main Street America has the cheapest car insurance for high-risk drivers in New York state, at $124 per month, or $1,488 per year.

Progressive and USAA also offer rates under the New York state average for high-risk drivers.

Car Insurance Company	Average NY annual car insurance rate	Average NY monthly car insurance rate	Learn More CTA text	Learn more CTA below text
Main Street America	$1,488	$124	Compare Quotes	Compare quotes offered by participating partners
Progressive	$1,521	$127	Compare Quotes	Compare quotes offered by participating partners
USAA	$1,895	$156	Compare Quotes	Compare quotes offered by participating partners
NYCM	$2,112	$176	Compare Quotes	Compare quotes offered by participating partners
New York average	$3,492	$291	Compare Quotes	Compare quotes offered by participating partners

Cheapest car insurance for adding a teen driver (16 to 19) in New York

Teen drivers typically have some of the highest rates in the nation, and New York teens are no different. If you have a new driver in the household, consider adding them to your insurance policy instead of letting them get their own. Doing so can significantly cut down their car insurance costs.

NYCMoffers the cheapest rates for adding a teen (ages 16 to 19) to your policy. It is the only company we analyzed that has average car insurance rates under $3,000 per year.

Car Insurance Company	Average NY annual car insurance rate	Average NY monthly car insurance rate	Learn More CTA text	Learn more CTA below text
NYCM	$2,674	$223	Compare Quotes	Compare quotes offered by participating partners
Progressive	$3,183	$265	Compare Quotes	Compare quotes offered by participating partners
Geico	$3,231	$269	Compare Quotes	Compare quotes offered by participating partners
Main Street America	$3,248	$271	Compare Quotes	Compare quotes offered by participating partners
New York average	$5,005	$417	Compare Quotes	Compare quotes offered by participating partners

New York car insurance costs vs. other states

Here’s how much full-coverage car insurance costs a good driver in New York compared to the rest of the country.

Car insurance requirements in New York

Drivers in New York state must carry a minimum level of car insurance, by law. To comply with state requirements, you must carry liability insurance with the following coverage amounts, at a minimum:

$25,000 per person for bodily injuries and $50,000 per person in case of death.
$50,000 for two or more people for bodily injury and $100,000 in case of death.
$10,000 in property damage coverage per accident.

New York auto insurance laws also mandate that drivers carry:

$25,000 in uninsured motorist bodily injury coverage per person and $50,000 per accident.
$50,000 in personal injury protection (PIP), also known as “no-fault” coverage.

Even if you don’t intend to drive your vehicle for a certain period of time, you must maintain car insurance if the vehicle is registered in your name. There are some exceptions for motorcycles.

Factors used in determining New York car insurance rates

In New York, car insurance companies can use several factors to determine your car insurance rates, including:

Make and model of the vehicle.
Type of vehicle you’re insuring.
Your age.
Your car’s age.
Your credit-based insurance score.
Your gender.
Your ZIP code.

Expert tip: In New York, insurers are prohibited from using your credit history to increase your rates at renewal or from canceling your coverage based solely on your credit score. If your insurer uses your credit history when quoting your rate, it must disclose this information

How to find cheap car insurance in New York

Looking to save money on car insurance in New York? Here’s how to find the cheapest car insurance.

Shop around

It’s easy to stick with the same insurance company you’ve had for years, but you could be paying more than you need. Review your coverage and premium and then get and compare quotes from multiple insurers to see if cheap car insurance options are available.

When comparing car insurance quotes, keep coverage options and limits consistent to get an accurate picture of how much you can save.

Expert tip: You might qualify for a loyalty discount or vanishing deductible with your current insurer, which will disappear if you switch to a new insurance company. Before you leave, speak with your current insurer to see if any saving opportunities are available

Ask about discounts

Insurance companies offer a wide range of discounts. Talk to your agent or visit your insurer’s website to see what discounts you might qualify for. These are some of the most common:

Multi-policy: If you don’t already have your home and auto insurance through the same provider, ask about multi-policy, or home and auto bundling discounts. Doing so may save you money.
Usage-based insurance: Many car insurance companies now offer usage-based insurance programs that monitor your driving habits (usually through a smartphone app) and adjust your rate based on how you drive. Remember that depending on the program, your rates may increase if you regularly engage in risky driving habits, such as accelerating fast, braking hard and driving at night.
Paying in full: If you pay your entire annual premium up front instead of in installments, your insurance provider may offer you a lower rate.
Defensive driving: Insurers frequently offer a discount if you take an approved driving course. This is particularly true for senior drivers who take defensive driving courses, with some states even requiring insurers to extend discounts to those who complete the course. Taking a course in defensive driving might lower your rate for several years.

Rethink your coverages

The amount and type of coverage you have will directly impact your car insurance rates, as will the deductible you choose. Adjusting your policy can reduce your rates.

Drop unnecessary coverages. Your car insurance coverage needs will change over time. For instance, if you purchased gap insurance after financing a vehicle but have since paid off your loan, you can drop that coverage.
Increase your deductible. Rather than reducing your coverage limits, consider raising your deductible to lower your car insurance premium. If you can afford to pay more out of pocket for a covered incident — say, $1,000 instead of $250 — you’ll enjoy significantly lower insurance payments.

Practice safe driving

Many insurance providers reward good driving with lower rates if, for instance:.

You continue to have claims-free policy periods.
You proactively taking a defensive driving class.
You demonstrate safe driving with an usage-based insurance program.

Methodology

Our team of insurance experts evaluated 14 New York car insurance companies to determine those that offer the best coverage based on average rates and consumer complaints.

The table below includes the methodology used to find the best car insurance companies in Texas in 2024.

Rating factor and value	Explanation of rating factors
Cost (60 points)	Analysis of Quadrant Information Services rates for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage. We also analyzed average rates for various driver profiles and identified the best cheap insurer for each. Driver profiles include: Driver with an accident, speeding ticket or DUI on their record. Driver with a gap in coverage. Teen drivers added to a parent’s policy. High-risk driver.
Customer complaints (40 points)	We looked at data from the National Association of Insurance Commissioners (NAIC), which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s insurance department — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.

Rating factor and value

Explanation of rating factors

Cost (60 points)

Analysis of Quadrant Information Services rates for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage.

We also analyzed average rates for various driver profiles and identified the best cheap insurer for each. Driver profiles include:

Driver with an accident, speeding ticket or DUI on their record.
Driver with a gap in coverage.
Teen drivers added to a parent’s policy.
High-risk driver.

Customer complaints (40 points)

We looked at data from the National Association of Insurance Commissioners (NAIC), which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s insurance department — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.

Best car insurance in New York FAQs

Progressive offers the cheapest car insurance in New York for good drivers, costing an average of $103 per month, or $1,231 per year. To find the cheapest and best car insurance in New York, compare car insurance quotes from multiple car insurance companies.

The average cost of basic car insurance in New York is $93 per month, or $1,114 per year.

In New York, you must carry liability insurance with the following coverage amounts, at a minimum:

$25,000 per person for bodily injuries and $50,000 per person in case of death.
$50,000 for two or more people for bodily injury and $100,000 in case of death.
$10,000 in property damage coverage per accident.

You’re also required to have:

$25,000 in uninsured motorist bodily injury coverage per person and $50,000 per accident.
$50,000 in personal injury protection (PIP), also known as “no-fault” coverage.

The best car insurance in New York is Progressive, based on our analysis of rates and consumer complaints.

Main Street America also gets 5 stars in our rating of the best car insurance in New York. NYCM has 4.5 stars and USAA has 4 stars.

You can get cheaper car insurance in New York by comparing car insurance quotes from different companies. This will help ensure you’re getting the best deal for your coverage needs. You can also inquire about car insurance discounts that you may qualify for.

Yes, in New York, you can show electronic proof of insurance. You can use your digital insurance for the following:

Acquiring registration at the DMV.
Providing proof of insurance coverage at a traffic stop.
Providing proof of insurance coverage to a judge/justice/magistrate in response to a summons.

Yes, New York is a no-fault state. For this reason, New York requires drivers to carry personal injury protection (PIP), which pays out for medical expenses if the driver, their passengers or a pedestrian are injured in an accident, regardless of who was at fault.

Car insurance in New York can be expensive based on where you live, your driving record, the type of car you drive and other factors. It costs an average of $216 per month, which is more expensive than the countrywide average of $172 per month. To lower your car insurance rates in New York, consider comparing car insurance quotes from multiple companies and checking out which car insurance discounts you qualify for.

The price of a speeding ticket in New York depends on how fast you’re driving over the limit and whether you have previous speeding violations.

Here’s how much you’ll pay for a speeding ticket in New York based on how fast you’re driving:

Up to 10 mph over: $45 minimum, $150 maximum.
Over 10 mph, but under 30 mph over: $90 minimum, $300 maximum.
Over 30 mph: $180 minimum, $600 maximum.
Inappropriate speed: $35 minimum, $150 maximum.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Timothy Moore

BLUEPRINT

Timothy Moore is a writer and editor covering personal finance, travel, autos, and home renovation. He's written financial advice for sites like LendEDU, LendingTree, Forbes Home and The Penny Hoarder; edited complex ROI analyses for B2B tech companies like Microsoft and Google; served as managing editor at a print magazine; led content creation for a digital marketing agency; and written for brands like Chime, Angi and SoFi.

Jennifer Lobb

BLUEPRINT

Jennifer Lobb is deputy editor at USA TODAY Blueprint and is an experienced insurance and personal finance writer. Jennifer served as an insurance staff writer and editor at U.S. News and World Report and deputy editor of insurance at Forbes Advisor. She also spent several years covering finance and insurance for various financial media sites, including LendingTree and Investopedia. For nearly a decade, she’s helped consumers make educated decisions about the products that protect their finances, families and homes.