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Compare Best Cheap Car Insurance Quotes in New York, 2022

New York drivers save as much as $852/year when switching with Jerry. Compare quotes from top insurance companies including Progressive, Allstate, and AAA for free today!
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of basic liability car insurance in New York is $3,662 per year. Opting for full-coverage car insurance in New York will leave you with an average cost of $3,592 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.

Compare best car insurance quotes in New York

The table above shows average rates paid by New York drivers and Jerry users who have policies with various companies. The quotes you find in the Jerry app could be higher or lower based on your unique driver profile.
Factors like your past insurance history, your accident and violation history, and some key identifying information for both yourself and the vehicle you want to insure play a role in your rate.
Want to see the real quotes—and real experiences—that Jerry users found in the app? Check them out below.
Quote DateCar
Before Jerry
After Jerry
CityNameAgeCarrier
January 18, 2023Infiniti Qx60$250/mo.$212/mo.PatchogueMicheal B.52Encompass
January 17, 2023Ford Fusion SE$492/mo.$198/mo.BrooklynKenneth E.27Progressive
January 16, 2023Subaru Forester 2.5I Premium$270/mo.$195/mo.RochesterMason C.30AAA
January 14, 2023Honda Accord EX$156/mo.$102/mo.RensselaerJared N.51Gainsco
January 12, 2023Hyundai Elantra SEL$164/mo.$89/mo.GetzvilleCecilia H.36Safeco

Best car insurance companies in New York

Whether you live in New York City, the Adirondacks, or the Southern Tier, there are plenty of insurance providers offering competitive rates to Empire State drivers. State Farm, GEICO, and Progressive are the most popular—but they aren’t the only companies that can give you a good rate.
The best and cheapest car insurance company in New York is different for every driver. That’s because car insurance premiums are highly personalized based on your age, gender, ZIP code, vehicle type, driving record, and even marital status and credit history. Every company uses a slightly different methodology to analyze those factors, too, making for vastly different rates.
And it’s not just dollar amount that matters. Maybe USAA has the lowest rates for you, but they don’t have all of the coverage options you need or the best customer service.
With so many great auto insurance companies operating in New York State, wading through all your options can feel overwhelming. That’s why Jerry exists—to help you narrow down the best car insurance company for you. As a licensed insurance broker, Jerry partners with top-rated insurers like Allstate and Nationwide, along with smaller regional and local companies, to find you the absolute best rates.
Insurance Company
Average Cost
Annual Savings with Jerry
Clearcover$5,112$2,861
National General$4,613$2,251
State Auto$5,315$2,149
Kemper$3,297$1,712
Dairyland$4,687$1,517
Nationwide$3,523$1,245
Safeco$3,744$1,157
Progressive$4,056$1,119
Allstate$4,294$1,097
Travelers$3,735$1,010
Compare Prices

New York car insurance FAQs

New York is one of the most expensive states in the nation for car insurance, with annual premiums soaring well above the national average even in rural areas of the state.
Not in New York, where car insurance prices are well above the national average. If your policy only costs $200 a month, you’ve got a great deal in the Empire State.
In most age brackets, drivers pay about the same for car insurance no matter their gender. For young drivers, though, men under 20 tend to be charged higher premiums than women under 20—though both pay higher premiums on average than other age demographics.
Statistically speaking, more claims are filed by males under 25  than females. To offset the potential extra cost of these claims, insurers charge males under 25 higher annual premiums.

How much is car insurance in New York?

New York is one of the most expensive states for car insurance, with average premiums across the state well above the national average. But what makes the price of auto coverage so high in the Empire State—and is it the same for all New Yorkers?
There are a few factors at play here, and they’re not all equal in every region. First, high population density always translates to high car insurance premiums. New York City residents and other urban New Yorkers can expect to pay high rates, while rural drivers in places like Franklin and St. Lawrence Counties might enjoy premiums well below the state average.
Tourism is another factor—and, again, this isn’t consistent throughout the state. Tourist hotspots like Niagara Falls, Lake Placid, and (of course) Manhattan might see elevated rates due to the higher number of drivers on the road, but Utica and Binghamton are fairly safe from those pressures.
But one thing that just about every region of New York has in common is severe weather, whether it’s the threat of flooding from the Atlantic Ocean, lake-effect snow from Lake Ontario, or just the severe winter storms that plague the Adirondack region. If you live in an area that’s prone to rough winter driving conditions, you can expect to see that reflected in your premium.
No matter which factors are driving up your rates, Jerry can help you lower them. It takes about 45 seconds to find a new policy with Jerry, and the average annual savings total more than $800!
Here’s a rundown of what you need to know about car insurance in New York:

New York car insurance requirements

One more thing driving up the cost of insurance in New York State? High minimum insurance requirements, which include:
Liability insurance protects your wallet from steep out-of-pocket costs in the event of a crash since it covers costs you’re found responsible for in an accident. Even though New York is a no-fault state, insurance companies will still use “fault” to assign financial responsibility, making this essential coverage.
The most important types of insurance not required by law in New York are collision coverage and comprehensive coverage—a combination often called a “full-coverage policy” when combined with minimum coverage. Collision and comprehensive will allow you to submit claims for damage to your vehicle, including damage caused by events other than accidents. The table below compares the cost of these two coverages with minimum liability in New York.

Why is full coverage car insurance so expensive in New York?

Cheap car insurance with a DUI or speeding ticket in New York

Insurance companies look at your driving history for an indication of the level of risk you carry. If you’re a good driver, you’ll enjoy some of the lowest rates. But a pattern of driving violations—or just one big one, like a DUI or reckless driving charge—could seriously impact your rate and get you labeled a high-risk driver.
High-risk drivers pay high rates, but that doesn’t mean you can’t save with a violation on your record. Jerry partners with insurance companies like The General that specialize in insurance for high-risk drivers, so shopping with Jerry is an easy way to unlock savings after a ticket. See for yourself below.
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,373$978
Careless Driving$4,490$1,650
Seat Belt$4,039$1,478
Defective Equipment$4,184$1,453
Cell Phone$4,108$1,409
Wrong Way/Wrong Lane$3,953$1,284
Suspension$3,594$1,261
Illegal Turn$3,973$1,225
DUI$3,659$1,211
Speeding over 15$3,959$1,194
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Insurance Cost With a DUI in New York
If you get a DUI in New York, you can expect your car insurance to increase by an average of $227.08 per month.
Read New York DUI Information:
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Insurance Cost With a Reckless Driving Citation in New York
If you have a reckless driving citation, you should expect your insurance to increase to an average of $11,532 per year.
Read New York Reckless Driving Information:

New York auto insurance rates by age

Another way that insurers measure risk is through statistics—and statistics show that drivers under 25 years old have a much higher rate of car accidents and violations. As a result, teen drivers and young adults can expect high premiums until they age out of that high-risk category.
But again, Jerry can help you save! In addition to shopping in the Jerry app, young drivers in New York should:
Use the table below to compare average rates for New York drivers based on age group.
How can young drivers save money on car insurance in New York?
  • New York offers a 10% discount for three years for drivers who complete a state-approved, six-hour driver’s education course
  • Maintaining a good average can qualify student drivers for a good student discount

Average cost of car insurance in New York by city

New York is a unique state in that, while it’s one of the largest states by area, 40% of its population is squeezed into one tiny patch of land. The Big Apple has a population density of 27,000 per square mile!
As a result, it’s probably no surprise that New York insurance costs are so high—after all, everything in the city is! But it’s not just population density that matters; crime rates, weather patterns, and accident fatality statistics can also have an effect on premiums. Buffalo insurance costs are also higher than the state average, while small towns like Dansville and Schroon Lake tend to see lower premiums.
Want to see where your ZIP code fits into all this? Check out the table below.
City
Average Cost
Annual Savings with Jerry
Albany$2,219$781
Bronx$2,697$823
Brooklyn$2,694$810
Buffalo$2,448$804
New York$2,530$719
Rochester$2,155$729
Schenectady$2,149$638
Staten Island$2,631$751
Syracuse$2,256$811
Yonkers$2,608$754
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Least Expensive Cities in New York
Drivers in Ithaca can get the cheapest insurance rates in New York, with an annual rate of $969.
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City with Highest Rates of Accidents in New York
7.17% of drivers in Schenectady have an at-fault accident on their record already, this factor drives up prices in the area.
Read New York Car Accident Information:
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Cities with the Longest Commute Times in New York
Greenwood Lake has an average commute of 49.7 minutes, this makes it the city with the longest commute in New York. Drivers in Greenwood Lake will have higher rates due to increased mileage and traffic.
Read Commuting Insurance Information:

Cost to insure your car in New York

The vehicle you’re insuring also plays a role in how much you’ll pay for a policy in New York. It should go without saying that expensive cars cost more to insure, but why is that—and what other factors play a role?
In basic terms, insurance companies want to know how likely your car is to generate claims and how expensive those claims will be. BMW 328i insurance costs are high in part because the parts required for repairs cost more than for a Honda Civic—but the car’s reputation for speeding and risky driving also factor in here. Toyota Camry LE insurance costs are lower thanks to great safety ratings and an affordable price, but they’re a little higher than Honda CR-V insurance costs because SUVs are sturdier and seen as less likely to generate insurance claims.
Want to see where your vehicle lands you on the spectrum from pricey to cheap insurance? Take a look at the features below.
Car
Average Cost
Annual Savings with Jerry
Chevrolet Equinox LT$2,229$776
Jeep Grand Cherokee Laredo$2,309$760
Nissan Rogue S$2,352$736
Ford Focus SE$2,393$716
Honda Civic LX$2,106$678
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Most Popular Car in New York
The most popular vehicle in New York is the Honda CR-V. People who own a Honda CR-V pay an average of $1,100 annually in car insurance. Jerry can help CR-V owners find cheaper rates.
Read more about your Honda CR-V:

What are the minimum car insurance requirements in New York?

Most states (including New York) have minimum insurance requirements that you must meet to hit the road.
New York uses a 25/50/10 rule for minimum liability coverage. If you’re getting car insurance in New York, you’ll be required to have a minimum of $25,000 per person for bodily injury liability, $50,000 of bodily injury liability per accident, and $10,000 of property damage liability per accident. Drivers are also required to have personal injury protection (PIP) coverage.
If you get pulled over in New York, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Yes, New York is a no-fault state. This means you must carry personal injury protection (PIP) coverage which immediately pays for injuries to you and your passengers regardless of who is at fault for the accident or if you have health insurance. However, fault, or liability, is still a factor for property damage and bodily injury claims.
But those state minimum coverage limits are just the beginning—or they should be. While you’ll be legally covered if you only carry liability, UIM, and PIP on your auto insurance policy, you might be leaving yourself open to serious financial risk, especially if you’re in a major at-fault accident.
Most experts recommend going beyond your state’s liability limits and purchasing collision and comprehensive insurance at a minimum. While your state-mandated insurance should be sufficient to cover your medical bills, you’ll have less protection for damage to your vehicle. A full-coverage car insurance policy solves that problem—and with help from Jerry, you can make it affordable.
Not sure how far past the minimum requirements you should go? The features below go over some useful additional coverages that drivers in New York should consider adding to any policy.
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New York ranks well for traffic and infrastructure, but accidents can still happen when you least expect it. Drivers should get collision coverage to help them pay for necessary car repairs caused by collisions.
Read more about New York Traffic:
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Damage that occurs from non-collision based incidents requires comprehensive coverage. This is especially useful in New York, where hail and storms can deal some serious damage to your vehicle.
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8.50% of drivers in New York are uninsured, which poses a financial risk to other drivers. If you get into an accident with an uninsured driver, you probably want uninsured/underinsured motorist coverage to help pay for expenses.
Read information about uninsured drivers:
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New York drivers rate their road quality a low 4.67 out of 10. Between the dismal road conditions and large swathes of rural areas, drivers in New York should buy roadside assistance to help them out if the stray pothole leaves them stranded with a flat.

How to save money on car insurance in New York

If you own a car in New York, you know how much of a burden those high car insurance rates can be. Here are some strategies to help you put some money back in your pocket.

Shop around for quotes

Comparing multiple car insurance quotes is the most effective way to save—but not always the easiest! If you’re shopping for quotes on your own, you’ll likely need to fill out a lot of paperwork (and probably get on the phone with an agent) just for a single quote. Work with a broker or use a car insurance comparison app and aim to get quotes from at least three different insurers before choosing a plan.

Look for discounts

You’ve probably heard it before during a commercial break: bundle your homeowners insurance or renters insurance with an auto insurance policy, and you’ll save on both.
Bundling discounts are some of the biggest and most popular car insurance discounts, but they’re far from the only ones available to New York drivers. Check to see if you’re eligible for any of the following common discounts:
Driving Course Discounts
In New York, drivers who complete a defensive driving course are eligible for a 10% discount on their car insurance.
Bundling Discounts
If you bundle your auto and home insurance with the same carrier, you can be eligible for a bundling discount.
Safety Ratings and Anti-theft Discounts
Insurance carriers like vehicles with highly rated safety features and anti-theft technology as they present a lower risk. Carriers are likely to offer lower rates to drivers who own highly rated vehicles for safety and anti-theft technology and features.

Increase your deductible

Your insurance deductible is the amount you pay on a claim before insurance kicks in. If you’ve got collision or comprehensive insurance on your policy, raising your deductible is an easy way to keep monthly costs low.
Standard deductibles include $500 and $1,000. The higher your deductible, the less you’ll pay month-to-month to maintain the policy. If you could afford to pay a higher out-of-pocket amount, talk to your insurance company about raising your deductible and lowering your rate.

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