Services
Insurance
Loans
Repairs
Advice
About

Cheapest Car Insurance in New York (Jul 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in New York.
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in New York

There isn’t a specific provider that serves the best
car insurance
to everyone. To find the best rate for your policy, you should
shop around
and compare quotes from multiple auto insurance companies. 
Every month, thousands of wise car insurance shoppers in New York come to
Jerry
Insurance Agency to compare and buy car insurance in the most efficient way. 
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Progressive
$267
Honda Civic EXL
• 50,000/100,000 Liability
• Comp / Collision
AAA
$361
Mercedes-Benz C 300 4matic
• 100,000/300,000 Liability
• Comp / Collision
National General
$182
KIA Forte EX
• State Minimum Liability
Mercury
$351
Acura TLX Tech
• 50,000/100,000 Liability
• Comp / Collision
State Auto
$95
Jeep Compass
• State Minimum Liability
coverageLast Updated Jul 20, 2024

Cheapest car insurance companies in New York

Jerry administered the largest national insurance shopping survey to uncover which insurance company offers the cheapest
car insurance quotes
in New York.
Our survey shows that there isn’t a specific car insurance company that provides affordable rates to every driver. Instead, each driver is offered unique rates from individual companies.
__ is considered to be the most affordable car insurance provider in New York, but customers have mixed reviews. Policyholders who participated in our survey gave it an average rating of __ out of 5 for costs. Some customers said their rates were great while others said their premiums were too expensive and consistently increasing.
State Farm, GEICO, Progressive, Allstate, USAA, and Liberty Mutual have the largest market shares in New York. Take a look at customer reviews for these providers.
Insurance companyDateCost rating (out of 5)What our customer said:
Dairyland
July 9, 2024
4
"Easy to use and amazing customer service. I would recommend to anyone who wants cheap auto insurance rates!"
-Lillian
Assurance America
July 8, 2024
4
"Saved me a few hundred dollars and has about the same coverage as my old plan"
-Amanda
Encompass
July 6, 2024
5
"Encompass always assists me quickly and efficiently with any questions or problems I have. I like the service and cov...(read more)"
-Ethel
Allstate
July 6, 2024
5
"Always has the best price coverages and service "
-Rosa
Main Street America
July 4, 2024
4
"Was looking for new auto insurance and this definitely worked for me! Premiums are very affordable and the claims ser...(read more)"
-Vera
coverageLast Updated Jul 21, 2024
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
To find the best rate, New York drivers should use a car insurance comparison app or website.
Jerry, a top insurance agency, offers a free app that enables customers to compare car insurance quotes and receive full-service support from their team of over 100 licensed insurance agents.

Minimum car insurance requirements for liability and full coverage in New York

Drivers in New York are legally required to carry minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP). Since New York has a lot of drivers, frequent heavy traffic, and high accident rates, consider full coverage for added financial protection.

Cheapest minimum liability coverage car insurance quotes in New York

As per New York car insurance laws, New York drivers must carry the state’s minimum coverage limits to legally drive on NY roads.
The state’s minimum car insurance coverage includes: 
We’ve compiled some examples of New York policyholders that recently used Jerry to get the state’s minimum liability coverage.
card cover
Ophelia (22 years old)
coverageCoverage
State Minimum
carHonda Accord LX
$360
per month
card cover
Nettie (47 years old)
coverageCoverage
State Minimum
locationTuckahoe, NY
carNissan Murano S
$153
per month
card cover
Hulda (31 years old)
coverageCoverage
State Minimum
carSaturn L200
$313
per month
card cover
Essie (35 years old)
coverageCoverage
State Minimum
carDodge Durango GT
$409
per month
card cover
Kate (26 years old)
coverageCoverage
State Minimum
carJeep Compass
$95
per month
card cover
Nell (30 years old)
coverageCoverage
State Minimum
carMitsubishi Outlander SE
$118
per month

Do you need more than the minimum coverage in New York? 

New York’s car insurance requirements are fairly high compared to other states, but extra coverage is still a good idea.
Additional protection like collision coverage and comprehensive coverage could save you from costs associated with unexpected damages or theft to your car. 
The bottom line: For better financial protection in New York, explore different coverage options. Consider full coverage with collision and comprehensive insurance, and add extra protection by increasing your liability limits.
Lower my car insurance too!

Cheapest full coverage New York auto insurance quotes

New York’s minimum car insurance requirements are meant to protect drivers from paying out of pocket for repairs and replacements if an accident were to occur. But to protect your vehicle from repairs and replacements, full coverage car insurance is the way to go.
Full coverage includes
comprehensive
and
collision coverage
. Collision coverage protects you from costs associated with repairing or replacing your vehicle after an accident, while comprehensive coverage kicks in if your vehicle is stolen or requires repairs for non-collision damages. 
Typically, leased or financed vehicles require collision and comprehensive coverage.
Browse the table below to see how Jerry’s agents recently helped customers obtain affordable full coverage policies.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$267
Honda Civic EXL
• State Minimum Liability
• Comp / Collision
Travelers
$186
Nissan Altima 2.5
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$292
Nissan Sentra S
• 100,000/300,000 Liability
• Comp / Collision
AAA
$361
Mercedes-Benz C 300 4matic
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$173
Acura TLX Tech
coverageLast Updated Jul 20, 2024

Average rates for minimum liability coverage and full coverage car insurance in New York

On average, New York’s minimum car insurance requirements cost drivers around$240 per month or $240 per year. Full coverage insurance typically costs an average of$3,153 per year or $263 per month.
Average car insurance rates can give you an idea of what your own insurance costs might look like, but each driver gets unique quotes from different carriers. These rates are based on several factors—your driving record, claims history, demographics, and the type of car you drive will all impact your premiums.
From our experience working with New York drivers, we’ve seen that insurance rates for the state’s minimum insurance requirements start at around $240 per month, while full coverage policies start at closer to $263 per month. The cost of an insurance policy in New York can vary by hundreds of dollars depending on each driver’s circumstances.

New York car insurance: Additional coverages

New York drivers are required to carry minimum liability coverage, including uninsured motorist coverage and personal injury protection (PIP). In addition to these mandated coverages, full coverage policies include collision and comprehensive coverage. For added financial protection, New York drivers can also opt for the following coverage types:
  • Gap coverage
  • Towing and labor coverage
  • Rental reimbursement coverage
If you have a loan on a recently-purchased car: You should invest in
gap insurance
. If your vehicle happens to be stolen or deemed a total loss after an accident, gap insurance will pay the remainder of the loan after your policy limits are met. 

Car insurance premium by rating factors

To determine your car insurance rate, insurance providers in New York use numerous rating factors:
  • Your driving record and claims history: Insurance carriers typically charge higher if you have tickets or accidents on your driving record. 
  • Where you keep your car: City dwellers tend to pay more for car insurance due to increased traffic and higher accident rates. ZIP codes within the same city can impact rates as well.
  • The kind of car you have: Full coverage is usually pricier for luxury, high-performance, and sports cars. 
  • How you use your car: Insurance providers charge more for drivers with higher daily mileage estimates.

How Do Different Factors Impact Your Car Insurance Costs in New York?

icon
Allowed (with applicable limitations): Gender, age, driving experience, credit history, marital status, zip code, insurance history
icon
Prohibited (or effectively prohibited): Education, occupation, employment status
Learn more abut the car insurance rating factors in New York:

How to find cheap New York car insurance if you’re a high-risk driver

Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or
reckless driving
.

Cheapest car insurance for New York drivers with a speeding ticket

Speeding comes in different sizes. Repercussions are different for speeding 1–5 MPH over limit, 6–10 MPH over limit, 11–15 MPH over limit, 16–20 MPH over limit, and 21+ MPH over limit.
Speeding is classified under risky—and depending on your speed, reckless—driving behaviors, so a speeding ticket will typically affect your car insurance premiums. Drivers with varying speeding tickets have used Jerry to obtain car insurance savings.    
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Plymouth Rock
$296
• 100,000/300,000 Liability
• Comp / Collision
Speeding 6-10
Travelers
$201
• 100,000/300,000 Liability
• Comp / Collision
Speeding 11-15
Nationwide
$182
• 100,000/300,000 Liability
Speeding 16-20
Nationwide
$134
• State Minimum Liability
• Comp / Collision
Speeding 21+
Plymouth Rock
$301
• State Minimum Liability
coverageLast Updated Jul 17, 2024

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Libertymutual
No problems with process or app. Easy access and painless payments.
Joshua
Safeco
They work hard for you so you don't have to and I promise there fast and efficient
Daisy
Progressive
Have been so amazing! The prices are great glad jerry for this for me.
Savannah
Kemper
Great rates and awesome coverage and never would have switched if it weren't for Jerry!
Shilo

How to find cheap New York auto insurance after a DUI

A
DUI violation
will certainly skyrocket your car insurance rate in New York. New York laws strictly prohibit driving under the influence, and a single offense is enough to significantly increase your premiums.
While your rates will inevitably be higher after a DUI, they can still vary from one insurance provider to another. The best way to find the most affordable rate after a DUI is to compare rates from multiple carriers.
Jerry has successfully assisted countless drivers in acquiring cost-effective auto insurance rates following a DUI incident
card cover
Nathan (34 years old)
DUI
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
carAcura TLX Technology
$78
per month
card cover
Adam (28 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Accord EX
$409
per month
card cover
Rhoda (34 years old)
DUI
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMini Cooper S Countryman ALL4
$510
per month
card cover
Chester (35 years old)
DUI
coverageCoverage
State Minimum
carChevrolet Tahoe K1500
$62
per month
card cover
Dean (28 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationDelmar, NY
carChevrolet Silverado K1500 LT
$141
per month
card cover
Ethel (28 years old)
DUI
coverageCoverage
State Minimum
carHyundai Azera SE
$269
per month

New York SR-22 insurance

New York is one of six states that does not require high-risk drivers to fulfill an
SR-22 filing
after serious driving violations. 
Following a drivers license revocation or suspension, drivers in most states are required to file an SR-22 to reinstate their license and driving privileges. SR-22 filings are usually accompanied by higher minimum car insurance requirements at a steeper rate. 
Although you will not need an SR-22 filing in New York, you will face higher premiums after a serious violation.

How to find cheap car insurance in New York after an at-fault accident

Car accidents
on your claim history can significantly impact your car insurance rates in New York.
Insurance providers look at your at fault accidents to assess the level of risk you pose as a policyholder. Having a clean
driving record
with no at-fault accidents is an easy way to secure the lowest rates.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$223
• State Minimum Liability
At Fault With No Injury
AAA
$174
• State Minimum Liability
• Comp / Collision
Not At Fault
Allstate
$389
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Travelers
$192
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
Plymouth Rock
$329
• 100,000/300,000 Liability
coverageLast Updated Jul 20, 2024

FAQ

No, New York is a
no-fault state
. In New York, policyholders typically receive reimbursement from their insurance provider for damages regardless of who was at fault. This is why New York drivers are legally required to hold high minimum car insurance requirements, including liability insurance, personal injury protection (PIP), and uninsured motorist liability insurance.

Cheapest auto insurance after other violations in New York

Speeding tickets, DUIs, careless driving, and suspended licenses on your driving record can all lead to rate hikes from any car insurance provider in New York.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Careless Driving
Progressive
$102
Dodge Charger SE
• 15,000/30,000 Liability
Cell Phone
Allstate
$273
Subaru Forester 2.5I Limited
• State Minimum Liability
• Comp / Collision
Defective Equipment
Safeco
$207
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Nationwide
$447
Acura TLX Technology
• 100,000/300,000 Liability
• Comp / Collision
DUI
Mercury
$62
Chevrolet Tahoe K1500
• State Minimum Liability
Failure to Obey Signal
Bristol West
$118
Mitsubishi Outlander SE
• State Minimum Liability
Illegal Turn
Allstate
$200
Honda Odyssey EXL
• 100,000/300,000 Liability
Improper Passing
Travelers
$217
Dodge Durango Limited
• 100,000/300,000 Liability
• Comp / Collision
Leaving scene of an Accident/Hit and Run
Bristol West
$220
Dodge Durango Limited
• State Minimum Liability
Open Container
Nationwide
$87
KIA Soul EX
• State Minimum Liability
• Comp / Collision
Passing School Bus
Progressive
$274
Nissan Maxima 3.5S
• 100,000/300,000 Liability
• Comp / Collision
Seat Belt
Plymouth Rock
$359
Nissan Altima 2.5
• State Minimum Liability
• Comp / Collision
Speeding Violation-Major
National General
$140
Honda Accord EX
• No Coverage Liability
Speeding 6-10
Infinity
$150
Acura TSX
• 15,000/30,000 Liability
Suspension
Safeco
$94
Ford Ranger
• 50,000/100,000 Liability
• Comp / Collision
Wrong Way/Wrong Lane
AAA
$142
Honda Insight EX
• State Minimum Liability
• Comp / Collision
Failure to show documents
Mercury
$148
Chevrolet Traverse LT
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

How to find cheap New York car insurance based on your insurance history

Your car insurance history will impact your car insurance rates, including whether you’ve had continuous car insurance. 
Insurance providers view gaps in your insurance history as a sign of riskiness, so a
lapse in your insurance coverage
will typically incur higher insurance rates.
Jerry’s all-car app offers payment reminders to help eligible customers avoid insurance lapses and make their payments on time. 
We’ve also assisted customers find savings on their policies after an insurance lapse.
card cover
Joel (36 years old)
Currently Insured
coverageCoverage
30,000 per person
60,000 per accident bodily injury
Comp / Collision
carChevrolet Malibu LT
$119
per month
card cover
Marcus (43 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHyundai Sonata GLS
$104
per month
card cover
Lucinda (40 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
$165
per month
card cover
Nell (29 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationRochester, NY
carNissan Sentra SE-R Limited
$184
per month
card cover
Herman (30 years old)
Currently Insured
coverageCoverage
State Minimum
carMitsubishi Outlander SE
$118
per month
card cover
Clearcover
Lee (46 years old)
Not Currently Insured
coverageCoverage
State Minimum
carNissan Altima 3.5SL
$89
per month

How to find cheap New York car insurance with a low credit score

Insurance providers typically use
credit scores
to assess the risks associated with insuring an individual. Holding a good credit score is a sure way to score lower rates, but if your credit score is on the lower side, you may face a higher rate.
 Although your credit score has little to do with your driving experience or abilities, observations show that drivers with lower credit scores typically file more claims than those with high credit scores.
Our data shows that individuals with lower credit scores (under 550) pay approximately 20% more for the same coverage than those with higher credit scores (over 750).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$82
Land Rover Range Rover Sport HSE
• State Minimum Liability
660 - 750
AAA
$293
Tesla Model 3
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Travelers
$234
Chevrolet Equinox LT
• 100,000/300,000 Liability
• Comp / Collision
< 550
Travelers
$358
Acura MDX
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
They were able to drop what I was paying for insurance in half
Megan
Dairyland
Was easy to switch and was very affordable
Hugo
State Auto
Wonderful experience! Saving $77 a month!
Kaytlin
Allstate
Fair prices, and helpful staff!
Tera

How to find cheap auto insurance in New York for your age

Young people and seniors generally face the highest insurance rates. 
Due to their restricted driving backgrounds, young drivers typically pay more for insurance—especially in New York. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.

The best car insurance companies in New York for young drivers

Car insurance can be high for everyone in New York, but teen drivers between the ages of 16 to 19 usually receive higher than average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim is quite high in New York. To keep them well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs.
card cover
Carlos (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carNissan Sentra S
$280
per month
card cover
Rosie (23 years old)
coverageCoverage
State Minimum
locationHampton Bays, NY
carHyundai Elantra GLS
$202
per month
card cover
Jeremiah (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationYonkers, NY
carHonda Accord Sport
$687
per month
card cover
Edwin (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationHighland Falls, NY
carLincoln MKZ
$248
per month
card cover
Alta (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationHampton Bays, NY
carBMW 330Xi
$260
per month
card cover
Blanche (20 years old)
coverageCoverage
30,000 per person
60,000 per accident bodily injury
carMazda 3 S
$151
per month

The best car insurance companies for senior drivers in New York

Drivers can expect higher premiums once they reach 70 to 75 years old. These higher rates for
senior drivers
are supported by statistics that observe seniors as more likely to face accidents and subsequent injuries, incurring medical expenses and additional costs for insurance providers.
card cover
Essie (65 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carMini Cooper S Countryman
$460
per month
card cover
Carl (65 years old)
coverageCoverage
State Minimum
carFord Escape Titanium
$249
per month
card cover
Cordelia (74 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationYonkers, NY
carHonda Civic DX VP
$213
per month
card cover
Derek (66 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
carFord Explorer XLT
$83
per month
card cover
Russell (67 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationArcade, NY
carFord Taurus SEL
$86
per month
card cover
Larry (66 years old)
coverageCoverage
State Minimum
locationRochester, NY
carToyota Corolla L
$127
per month

How to find cheap car insurance in NewYork in your city

When insurance companies consider many factors when administering your insurance rate, your parking or garage address is an important variable.
Population density, traffic, accident and crime rates, and weather patterns are all taken into account by your provider. Premiums can vary within the state—and even within the city where you live. 
Scan the table below to discover how Jerry Insurance Agency has aided drivers from different New York cities with their insurance requirements.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Brooklyn, NY
Lucy, 36
Progressive
$119
Chevrolet Malibu LT
• 30,000/60,000 Liability
• Comp / Collision
Albany, NY
Etta, 67
Safeco
$173
Acura TLX Tech
• 100,000/300,000 Liability
• Comp / Collision
Webster, NY
Lettie, 32
Travelers
$148
GMC Terrain SLE
• 100,000/300,000 Liability
• Comp / Collision
Cheektowaga, NY
Hulda, 31
AAA
$313
Saturn L200
• State Minimum Liability
Watertown, NY
Gene, 33
Clearcover
$81
Mazda CX-5 Sport
• 100,000/300,000 Liability
• Comp / Collision
South Ozone Park, NY
Ethel, 30
Bristol West
$313
Honda Accord Sport
• 15,000/30,000 Liability
• Comp / Collision
Queens, NY
Terry, 41
Mercury
$245
Audi Q3 Premium Plus
• 100,000/300,000 Liability
• Comp / Collision
Brooklyn, NY
Maude, 29
Gainsco
$316
KIA Soul EX
• No Coverage Liability
• Comp / Collision
Bronx, NY
Elizabeth, 52
National General
$182
KIA Forte EX
• State Minimum Liability
Jamestown, NY
Kate, 26
State Auto
$95
Jeep Compass
• State Minimum Liability
Jamaica, NY
Matilda, 52
Plymouth Rock
$426
Nissan Murano S
• State Minimum Liability
Brooklyn, NY
Harold, 28
Commonwealth Insurance
$287
Toyota Corolla L
• State Minimum Liability
• Comp / Collision
Buffalo, NY
Leon, 31
Encompass
$175
Chevrolet Equinox LT
• 100,000/300,000 Liability
• Comp / Collision
Binghamton, NY
Susan, 20
Dairyland
$158
Mazda 3 S
• 30,000/60,000 Liability
Brooklyn, NY
Janie, 31
Aspire Advantage
$74
BMW 320 XI
• 15,000/30,000 Liability
coverageLast Updated Jul 21, 2024

How to lower the cost of car insurance in New York

There are many ways you can lower your car insurance expenses in the Empire State. Here are some top recommendations from Jerry’s team of licensed insurance agents:
  1. Shop around and compare quotes from different providers. 
  2. Bundle insurance products to get a multi-policy discount. 
  3. Find out if you’re eligible for
    discounts
    like good driver discounts, safe driving discounts, good student discounts, low mileage discounts, and vehicle tech and safety discounts.
  4. Increase your deductible for your comprehensive and collision coverage. 
  5. Improve your credit score. 
  6. Take a defensive driving course. 
  7. Think about removing collision and comprehensive coverage on older cars.

Why is car insurance so expensive in New York?

Car insurance in New York may seem expensive due to:
  • High population density: New York has the fourth-highest population count in the country.
  • Busy highways and frequent traffic: New York is notorious for traffic congestion, and packed roads go beyond NYC. 
  • Uninsured drivers: Each year, more and more drivers hit New York roads without insurance.
  • Expensive healthcare: Expensive healthcare costs in New York lead to higher premiums, especially since PIP is required.
  • High car theft and crime rates: From 2019 to 2020, there was a 66% increase in car thefts in New York, and the numbers continue to grow.

FAQs

Yes. To register a car or legally drive a vehicle on New York roads, you must have car insurance.
Each car insurance provider uses a different formula to calculate a driver’s policy rate, so there isn’t one particular number from one specific carrier that reflects New York car insurance prices. To find the best rate, shop around and compare quotes from different carriers.
New York’s minimum car insurance requirements cost an average of $ per month and $ per year. The average cost for full coverage insurance in New York is $ per month and $ per year.
New York car insurance may be more expensive than other states due to high traffic and accident rates, high crime rates, and the fact that it’s a no-fault state with high rates of insurance fraud.
Jerry’s survey of over 15,000 car insurance policyholders shows that there isn’t a particular insurance company offering the best insurance rates.
Using a comparison app or website to compare quotes from multiple insurance providers is the best way to find cheap auto insurance in New York
New York is a no-fault state with high minimum car insurance requirements: 
Yes, you will need insurance to register a car in New York. You’ll need to visit your local DMV office and provide your vehicle’s title, proof of insurance, proof of identity, a vehicle registration application, a statement of transaction, and payment for registration fees and taxes.
5
Yes. If you are caught driving without insurance by law enforcement in New York, they can ticket you, arrest you, and impound your vehicle. You may also face a license and registration suspension.
6
The best way to find cheap car insurance in New York is by shopping around to compare quotes from different providers. You can also bundle policies, seek out discounts from your provider, increase your deductibles for comprehensive and collision coverage, or consider removing collision and comprehensive coverage altogether.
A low credit score, moving violations on your driving record, a lapse in insurance coverage, and any at-fault accidents on your claims history can all increase your car insurance rates in New York. Your age, location, and the type of vehicle you drive can also impact your rates.
In New York, collision and comprehensive coverage, liability coverage, and uninsured motorist coverage
follow the vehicle
. Personal injury protection follows the driver.
In New York, full coverage car insurance includes the state’s minimum liability coverage, uninsured/underinsured motorist coverage, personal injury protection, and collision and comprehensive coverage.
New York’s lowest form of car insurance is actually quite high compared to other states. Since New York is a no-fault state, drivers are required to purchase liability coverage, uninsured motorist coverage, and personal injury protection. The lowest acceptable amounts of each coverage type are as follows: 
Although you may have a grace period of up to 30 days: It is recommended that you purchase car insurance either
before buying a vehicle
or on the same day of the purchase. You will need insurance to register the vehicle in New York, and you cannot legally drive the car unless it is registered and has insurance.
If you are visiting and driving in New York, your out-of-state insurance policy will be valid. Otherwise, New York does not accept out of state car insurance for New York residents. You must have New York’s minimum car insurance requirements if your vehicle is registered in New York.
7
Yes, all New York auto insurance policies must include personal injury protection (PIP). Personal injury protection covers your medical bills, lost wages, and essential services, regardless of who was at fault.
Since drivers are required to purchase personal injury protection (PIP) in New York, there’s no need to also purchase MedPay. While both coverages offer financial compensation regardless of fault in an accident, MedPay is technically not available in New York.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.