The easiest way to find the best cheap car insurance in New York is to shop around and compare rates among multiple insurers. If you don’t do this on a regular basis, you may end up paying more than you should for insurance.
Keep in mind that rates vary widely across insurance carriers for the same coverage, so it’s rare you’ll pay what your next door neighbor or friend is quoted.
What are the minimum requirements to drive legally in New York state?
New York mandates higher coverage for minimum car insurance liabilities than many other states. Under state law, the minimum car insurance requirements for liability coverage are $25,000/$50,000/$10,000 as well as $25,000/$50,000 for uninsured/underinsured motorist and $50,000 for personal injury protection.
Liability coverage in New York State entails:
- $10,000 for property damage per accident.
- $25,000 for bodily injury per person per accident.
- $50,000 for harm resulting in a fatality per accident.
- $100,000 for fatality of two or more people in an accident.
Uninsured and underinsured motorist bodily injury (UM/UIM) has minimums of:
- $25,000 per person per accident.
- $50,000 per accident to protect against injuries caused by uninsured and/or hit-and-run drivers.
Personal injury projection (PIP) minimum limit is:
- $50,000 per person regardless of fault to cover medical expenses, lost earnings and other needed expenses.
Cheapest minimum coverage insurance in New York
Costs for state minimum coverage vary quite a bit in New York State, check out the real Jerry quotes below.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $56 | $668 |
| State Auto | $90 | $1,085 |
| Kemper | $93 | $1,113 |
| Trexis | $107 | $1,280 |
| Dairyland | $134 | $1,608 |
| New York Central Mutual | $153 | $1,837 |
| Nationwide | $158 | $1,898 |
| Assurance America | $161 | $1,929 |
| Clearcover | $186 | $2,235 |
| First Acceptance | $188 | $2,262 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in New York
Comprehensive and collision coverage typically comes at a significantly higher price than the state-required minimum, but it can be worthwhile if circumstances demand it or if you value the added peace of mind and financial protections. Take a look at quotes from different insurance providers for full coverage in New York.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Kemper | $164 | $1,964 |
| Mapfre | $167 | $2,007 |
| New York Central Mutual | $191 | $2,294 |
| Aspire Advantage | $238 | $2,851 |
| Safe Auto | $243 | $2,911 |
| Trexis | $251 | $3,008 |
| Nationwide | $254 | $3,051 |
| Clearcover | $270 | $3,240 |
| Metlife | $272 | $3,260 |
| State Auto | $283 | $3,400 |
Cheapest car insurance for young drivers in New York
In New York State, young drivers often face the highest insurance rates in the state, as seen by Jerry data.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $621 | $7,455 |
| 21-24 | $609 | $7,303 |
Cheapest liability-only policy in New York state for a 20 year old
According to our data, these are the most affordable rates for liability-only coverage available to a 20-year-old in New York State.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | 20 | $289 | $3,468 |
| National General | 20 | $379 | $4,544 |
| Commonwealth Insurance | 20 | $421 | $5,049 |
| Bristol West | 20 | $537 | $6,446 |
| Progressive | 20 | $560 | $6,718 |
Cheapest full coverage policy in New York state for a 20 year old
Here are the lowest rates available for full coverage insurance for a 20-year-old in New York State:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Gainsco | 20 | $589 | $7,066 |
Average car insurance for mature drivers in New York (25-54 years old)
Check out the rates for New York State drivers aged 25-54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $500 | $6,001 |
| 35-44 | $447 | $5,365 |
| 45-54 | $427 | $5,119 |
Cheapest liability-only policy in New York state for a 36 year old
The typical Jerry customer is 36 years old. Below are the rates for a liability-only policy in New York State for someone of that age.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Kemper | 36 | $47 | $567 |
| Aspen | 36 | $121 | $1,455 |
| Nationwide | 36 | $131 | $1,570 |
| New York Central Mutual | 36 | $131 | $1,572 |
| First Acceptance | 36 | $139 | $1,668 |
Cheapest full coverage policy in New York for a 36 year old
Here are the most affordable full coverage rates for a 36-year-old in New York State.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Electric | 36 | $81 | $968 |
| State Auto | 36 | $117 | $1,410 |
| Kemper | 36 | $125 | $1,503 |
| New York Central Mutual | 36 | $144 | $1,734 |
| Nationwide | 36 | $264 | $3,166 |
| Travelers | 36 | $269 | $3,226 |
| Mercury | 36 | $323 | $3,877 |
| Safeco | 36 | $345 | $4,136 |
| Allstate | 36 | $379 | $4,553 |
| Plymouth Rock | 36 | $429 | $5,151 |
Average car insurance for older drivers (55+ years old)
Insurance for older drivers in New York State tends to stay a bit high in price, as you can see below.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $405 | $4,865 |
| 65+ | $391 | $4,687 |
Cheapest liability-only policy in New York for a 65 year old
Here are the rates for a liability-only policy in New York State for a 65 year old.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Kemper | 65 | $60 | $715 |
| Mercury | 65 | $87 | $1,040 |
| Travelers | 65 | $89 | $1,064 |
| Nationwide | 65 | $121 | $1,447 |
| Safeco | 65 | $186 | $2,233 |
Cheapest full coverage policy in New York for a 65 year old
You might still need full coverage and here are the cheapest rates for a 65-year-old in New York State for full coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Nationwide | 65 | $189 | $2,269 |
| Travelers | 65 | $210 | $2,524 |
| Safeco | 65 | $286 | $3,436 |
| Allstate | 65 | $289 | $3,462 |
| AAA | 65 | $301 | $3,615 |
| Progressive | 65 | $436 | $5,234 |
| Plymouth Rock | 65 | $440 | $5,282 |
| Encompass | 65 | $446 | $5,356 |
| Mercury | 65 | $461 | $5,536 |
| Bristol West | 65 | $784 | $9,405 |
Average car insurance for drivers with clean records in New York
If you have no violations or claims, heres what you can expect to pay on average:
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|
| $426 | $5,107 |
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $179 | $2,144 |
| Mapfre | $80 | $958 |
| New York Central Mutual | $140 | $1,686 |
| Assurance America | $244 | $2,922 |
| State Auto | $225 | $2,703 |
| Kemper | $127 | $1,527 |
| Electric | $212 | $2,543 |
| Plymouth Rock | $389 | $4,662 |
| Gainsco | $303 | $3,631 |
| Infinity | $262 | $3,141 |
Average car insurance for drivers with low credit scores in New York
Our data shows that as your credit improves, your average monthly insurance quote tends to decrease.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 550-659 | $567 | $6,803 |
| 660-750 | $491 | $5,893 |
| <550 | $540 | $6,484 |
| 750+ | $407 | $4,879 |
For those with a credit score below 550, these companies offer the most competitive quotes.
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Anchor General | <550 | $107 | $1,286 |
| Kemper | <550 | $133 | $1,594 |
| New York Central Mutual | <550 | $153 | $1,832 |
| Dairyland | <550 | $168 | $2,012 |
| Nationwide | <550 | $168 | $2,020 |
Cheapest car insurance for drivers with at-fault accidents in New York
An accident on your record will lead to higher insurance rates, as reflected in the average figures below.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| $427 | $5,129 | |
| Not At Fault | $504 | $6,052 |
| At Fault With No Injury | $542 | $6,503 |
| At Fault With Injury | $484 | $5,806 |
Cheapest car insurance for drivers with at-fault accidents with no injury in New York
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| New York Central Mutual | At Fault With No Injury | $127 | $1,524 |
| Kemper | At Fault With No Injury | $154 | $1,843 |
| Anchor General | At Fault With No Injury | $155 | $1,855 |
| Safe Auto | At Fault With No Injury | $175 | $2,102 |
| Aspire Advantage | At Fault With No Injury | $186 | $2,229 |
Cheapest car insurance for drivers with at-fault accidents with injury in New York
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | At Fault With Injury | $105 | $1,265 |
| Kemper | At Fault With Injury | $139 | $1,673 |
| National General | At Fault With Injury | $192 | $2,304 |
| State Auto | At Fault With Injury | $240 | $2,882 |
| Nationwide | At Fault With Injury | $242 | $2,908 |
Cheapest car insurance for drivers with a speeding ticket in New York
A speeding ticket on your record will raise your insurance rates, and the severity of the speeding violation directly impacts how much your car insurance costs. These are the most affordable insurance companies for drivers in New York State with a speeding ticket on their record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| First Acceptance | $41 | $496 |
| State Auto | $72 | $862 |
| Electric | $81 | $976 |
| Aspire Advantage | $96 | $1,152 |
| Embark General | $137 | $1,641 |
| Kemper | $138 | $1,657 |
| Gainsco | $203 | $2,431 |
| Commonwealth Insurance | $208 | $2,491 |
| National General | $217 | $2,598 |
| Clearcover | $228 | $2,735 |
Average car insurance for drivers with other violations in New York
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $541 | $6,498 |
| Cell Phone | $552 | $6,618 |
| Defective Equipment | $508 | $6,092 |
| Driving on Sus. License | $466 | $5,591 |
| Failure to Obey Traffic Sign | $535 | $6,421 |
| Illegal Turn | $641 | $7,693 |
| Improper Passing | $457 | $5,484 |
| Leaving scene of an Accident/Hit and Run | $489 | $5,869 |
| Open Container | $493 | $5,917 |
| Other | $484 | $5,806 |
| Passing School Bus | $450 | $5,397 |
| Reckless Driving | $495 | $5,936 |
| Seat Belt | $644 | $7,730 |
| Suspension | $471 | $5,657 |
| Wrong Way/Wrong Lane | $386 | $4,636 |
Minimum liability vs. full coverage in New York
Full coverage can give drivers peace of mind because they aren’t as exposed financially in case of an accident. Also, if you lease and/or finance your vehicle, the lender will most likely require that you carry full coverage.
In New York, full coverage includes the state’s minimum requirements along with collision and comprehensive coverages. Here’s a breakdown of what these types of insurances cover:
- Liability insurance: Covers injuries or damage you cause to someone else in an accident.
- Collision coverage: Helps pay for repairs to your vehicle that result from an accident regardless of who is found responsible. This coverage typically has a deductible.
- Comprehensive coverage: Helps pay for vehicle damage caused by a non-collision event like weather-related incidents, animal damage and theft.
Factors that determine your car insurance premium
Insurers base rates on various factors, which can include:
- ZIP code.
- Age.
- Driving and traffic violations record.
- Claims history.
- Marital status.
- Type of vehicle you drive.
- Policy deductibles.
How to find cheap car insurance in New York
You should look for discounts whenever possible, whether that is taking a defensive driving course, installing a telematic device in your vehicle, or avoiding reckless driving — which can lead to tickets that most likely will spike what you pay for premiums.
Also consider bundling your home and auto insurance policies with the same carrier to snag a deal.
New York does take into account your credit score as part of their assessment of your risk profile. If you don’t have a great credit score, then boosting it up a tier could help you save money on car insurance. New York drivers with poor credit pay some of the steepest rates in the U.S. compared to both drivers in other states and those with good credit.
Regardless of any discounts, when you’re hunting for the best cheap rate for your driver profile, you’ll need to compare rates from multiple insurers. It’s a good rule of thumb to compare rates before your policy lapse to ensure you find the best deal.
Next time you need to compare quotes, consider using Jerry, America’s first and only AllCar™ app. As a licensed broker, Jerry helps you find the best deal for car insurance depending on your driver profiles and coverage needs. We also keep your information private and secure so sales representatives will never call you.
FAQ
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What is the cheapest car insurance in New York?
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What is the cheapest full coverage car insurance in New York?
