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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

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.

Compare cheap car insurance in New York rates

Best car insurance companies in New York comparison

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

NEW YORK CAR INSURANCE COMPANYOUR RATINGAVERAGE MONTHLY CAR INSURANCE COST IN NEW YORKCUSTOMER COMPLAINT LEVEL
5.0 stars
$103
Very low
Main Street America
5.0 stars
$106
Low
NYCM
4.5 stars
$146
Very low
4.0 stars
$138
Average




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 PROFILEANNUAL 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
$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 NEWYORKCOMPARED TO THE NATIONAL AVERAGE
$103
$1,231
-$1,356
Main Street America
$106
$1,277
-$1,310
$138
$1,656
-$931
NYCM
$146
$1,750
-$837
$166
$1,997
-$590
$176
$2,113
-$474
$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.

CITYCAR INSURANCE COMPANYAVERAGE 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

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 companyAverage 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 companyAverage NY annual car insurance rate Average NY monthly car insurance rateLEARN MORE
Progressive$1,614$135 Compare QuotesCompare quotes offered by participating partners
USAA$1,656$138Compare QuotesCompare quotes offered by participating partners
Main Street America$1,659$138 Compare QuotesCompare quotes offered by participating partners
NYCM$2,156$180 Compare QuotesCompare quotes offered by participating partners
New York average$3,613$301Compare QuotesCompare quotes offered by participating partners

Cheapest car insurance after an accident with property damage 

Car insurance companyAverage NY annual car insurance rate Average NY monthly car insurance rateLEARN MORE
Main Street America$1,659$138 Compare QuotesCompare quotes offered by participating partners
Progressive$1,910$160Compare QuotesCompare quotes offered by participating partners
USAA$2,151$180Compare QuotesCompare quotes offered by participating partners
NYCM$2,156$180 Compare QuotesCompare quotes offered by participating partners
New York average$3,623$302Compare QuotesCompare 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 companyAverage NY annual car insurance rate Average NY monthly car insurance rateLEARN MORE
Progressive$1,391$116Compare QuotesCompare quotes offered by participating partners
Main Street America$1,513$126Compare QuotesCompare quotes offered by participating partners
USAA$2,143$179Compare QuotesCompare quotes offered by participating partners
NYCM$2,344$195Compare QuotesCompare quotes offered by participating partners
New York average$4,070$339Compare QuotesCompare 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 companyAverage NY annual car insurance rate Average NY monthly car insurance rateLEARN MORE
Allstate$2,101$175 Compare QuotesCompare quotes offered by participating partners
Geico$2,562$214 Compare QuotesCompare quotes offered by participating partners
USAA$3,114$260Compare QuotesCompare quotes offered by participating partners
Preferred Mutual$3,871$323 Compare QuotesCompare quotes offered by participating partners
NYCM$4,129$344Compare QuotesCompare quotes offered by participating partners
New York average$5,516$460Compare QuotesCompare 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.

CompanyAverage NY annual car insurance rate Average NY monthly car insurance rateLEARN MORE
Progressive$1,231$103Compare QuotesCompare quotes offered by participating partners
Main Street America$1,277$106 Compare QuotesCompare quotes offered by participating partners
USAA$1,656$138Compare QuotesCompare quotes offered by participating partners
NYCM$1,750$146 Compare QuotesCompare quotes offered by participating partners
New York average$2,838$237Compare QuotesCompare 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 CompanyAverage NY annual car insurance rate Average NY monthly car insurance rateLEARN MORE
Main Street America$1,488$124 Compare QuotesCompare quotes offered by participating partners
Progressive$1,521$127Compare QuotesCompare quotes offered by participating partners
USAA$1,895$156 Compare QuotesCompare quotes offered by participating partners
NYCM$2,112$176Compare QuotesCompare quotes offered by participating partners
New York average$3,492$291Compare QuotesCompare 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 CompanyAverage NY annual car insurance rate Average NY monthly car insurance rateLEARN MORE
NYCM$2,674$223 Compare QuotesCompare quotes offered by participating partners
Progressive$3,183$265Compare QuotesCompare quotes offered by participating partners
Geico$3,231 $269Compare QuotesCompare quotes offered by participating partners
Main Street America$3,248$271 Compare QuotesCompare quotes offered by participating partners
New York average$5,005$417Compare QuotesCompare 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 valueExplanation 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.