Cheap Car Insurance in New York City (NYC)

Written by Xuyun Zeng and 1 other
Updated Nov 9, 2024
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Cheap Car Insurance in New York City (NYC)

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Driving in New York City can be challenging thanks to heavy traffic, unique driving laws, and many pedestrians and cyclists. But even if you’re a seasoned pro who’s mastered the city’s “no right on red” rule and found a hidden gem of a parking garage, you still need to protect your vehicle with the right car insurance policy in case of an accident.

To help you on your search for car insurance in New York City, we’ve gathered quote data from real Jerry customers to help you preview potential rates and see how your driving record, age and policy preferences affect your premium costs.

Cheapest minimum coverage insurance in NYC

Here are the required minimum car insurance coverages in New York:

  • $10,000 for property damage per accident.
  • $25,000 for bodily injury and $50,000 for harm resulting in death per accident.
  • $50,000 for bodily injury and $100,000 for death of two or more people in an accident.

Uninsured and underinsured motorist bodily injury (UM/UIM) of:

  • $25,000 per person per accident. 
  • $50,000 per accident to protect against injuries caused by uninsured or hit-and-run drivers.

Personal injury projection (PIP) of:

  • $50,000 per person, regardless of fault, to cover medical expenses, lost earnings and other damages.

These are some of the cheapest quotes for minimum coverage real New York City residents received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$80 $960 Dairyland 32 December 25, 2023 New York, NY 10025
$122 $1,468 Progressive 27 September 28, 2023 New York, NY 10025
$132 $1,584 Assurance America 47 December 20, 2023 New York, NY 10024
$139 $1,666 Progressive 31 November 6, 2024 New York, NY 10039
$151 $1,816 Gainsco 32 April 18, 2024 New York, NY 10009
$158 $1,900 First Acceptance 31 November 6, 2024 New York, NY 10039
$163 $1,950 Bristol West 35 February 28, 2024 New York, NY 10040
$166 $1,992 Assurance America 47 January 29, 2024 New York, NY 10024
$179 $2,146 Progressive 55 July 9, 2024 New York, NY 10028
$191 $2,290 Progressive 24 September 2, 2023 New York, NY 10031
Last Updated Feb 18, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in NYC

Full coverage insurance combines the state’s minimum required liability coverage with collision and comprehensive protections. Liability insurance covers injuries or property damage you cause to others in an accident, while collision coverage helps pay for repairs to your vehicle after an accident, regardless of fault. Comprehensive coverage protects against non-collision-related damages, such as those caused by weather, animal collisions or theft.

These are some of the cheapest quotes real Jerry customers got for full coverage in New York City.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$228 $2,736 Progressive 24 January 1, 2024 Yes New York, NY 10031
$289 $3,466 Progressive 28 November 26, 2024 Yes New York, NY 10128
$305 $3,662 Progressive 66 February 3, 2025 Yes New York, NY 10039
$331 $3,966 Progressive 48 July 10, 2024 Yes New York, NY 10009
$405 $4,865 Progressive 49 July 18, 2024 Yes New York, NY 10031
$447 $5,358 Progressive 62 October 26, 2024 Yes New York, NY 10044
$460 $5,514 Progressive 39 January 21, 2025 Yes New York, NY 10026
$465 $5,584 Progressive 38 November 5, 2024 Yes New York, NY 10002
$472 $5,660 Progressive 35 February 12, 2025 Yes New York, NY 10039
$493 $5,920 Progressive 62 July 5, 2024 Yes New York, NY 10044
Last Updated Feb 18, 2025

Cheapest car insurance for young drivers in NYC (18-29 years old)

Car insurance tends to get cheaper as you reach your late 20s, but young drivers can still find affordable rates. These are some of the cheapest quotes that Jerry customers between the ages 18 and 29 years old have received in New York City.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$122 $1,468 Progressive 26 No September 28, 2023 New York, NY 10025
$191 $2,290 Progressive 23 No September 2, 2023 New York, NY 10031
$228 $2,736 Progressive 23 Yes January 1, 2024 New York, NY 10031
$261 $3,136 First Acceptance 26 No April 4, 2024 New York, NY 10044
$277 $3,328 Progressive 27 Yes November 26, 2024 New York, NY 10128
$300 $3,604 Progressive 27 Yes November 26, 2024 New York, NY 10128
$339 $4,064 Progressive 28 No December 27, 2024 New York, NY 10029
$400 $4,804 Bristol West 29 No February 24, 2024 New York, NY 10027
$400 $4,804 Bristol West 29 No March 1, 2024 New York, NY 10027
$400 $4,804 Bristol West 29 No March 8, 2024 New York, NY 10027
Last Updated Feb 12, 2025

Cheapest car insurance for mature drivers in NYC (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$80 $960 Dairyland 32 No December 25, 2023 New York, NY 10025
$132 $1,584 Assurance America 47 No December 20, 2023 New York, NY 10024
$139 $1,666 Progressive 31 No November 6, 2024 New York, NY 10039
$151 $1,816 Gainsco 32 No April 18, 2024 New York, NY 10009
$158 $1,900 First Acceptance 31 No November 6, 2024 New York, NY 10039
$163 $1,950 Bristol West 35 No February 28, 2024 New York, NY 10040
$166 $1,992 Assurance America 47 No January 29, 2024 New York, NY 10024
$232 $2,778 Bristol West 34 No March 19, 2024 New York, NY 10038
$232 $2,778 Bristol West 34 No March 21, 2024 New York, NY 10038
$275 $3,300 Progressive 48 No July 9, 2024 New York, NY 10009
Last Updated Feb 18, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$305 $3,662 Progressive 66 Yes February 3, 2025 New York, NY 10039
$305 $3,662 Progressive 66 No February 3, 2025 New York, NY 10039
$363 $4,352 Progressive 56 No October 24, 2024 New York, NY 10030
$389 $4,662 Progressive 58 No July 10, 2024 New York, NY 10009
$389 $4,662 Progressive 58 No July 17, 2024 New York, NY 10009
$389 $4,662 Progressive 58 No July 17, 2024 New York, NY 10009
$417 $5,002 Progressive 56 No May 25, 2024 New York, NY 10030
$431 $5,168 Progressive 58 No July 14, 2024 New York, NY 10011
$447 $5,358 Progressive 61 Yes October 26, 2024 New York, NY 10044
$452 $5,424 Progressive 60 No July 11, 2024 New York, NY 10017
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with clean records in NYC

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Date of Policy
Has Full Coverage
City, State
ZIP Code
$80 $960 Dairyland December 25, 2023 No New York, NY 10025
$132 $1,584 Assurance America December 20, 2023 No New York, NY 10024
$163 $1,950 Bristol West February 28, 2024 No New York, NY 10040
$166 $1,992 Assurance America January 29, 2024 No New York, NY 10024
$191 $2,290 Progressive September 2, 2023 No New York, NY 10031
$228 $2,736 Progressive January 1, 2024 Yes New York, NY 10031
$232 $2,778 Bristol West March 19, 2024 No New York, NY 10038
$232 $2,778 Bristol West March 21, 2024 No New York, NY 10038
$239 $2,864 Progressive February 15, 2025 No New York, NY 10010
$261 $3,136 First Acceptance April 4, 2024 No New York, NY 10044
Last Updated Feb 18, 2025

Cheapest car insurance for drivers with low credit scores in NYC

A credit score below 550 will likely lead to higher car insurance costs, but it still may be possible to find a good rate. Here are the lowest quotes Jerry customers in New York City with low credit scores have received.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $407 $4,888 Progressive 31 June 14, 2024 New York, NY 10019
<550 $473 $5,676 Progressive 46 January 4, 2025 New York, NY 10009
<550 $473 $5,678 Progressive 46 May 18, 2024 New York, NY 10044
<550 $619 $7,428 Progressive 56 July 17, 2024 New York, NY 10033
<550 $717 $8,608 Progressive 32 January 2, 2025 New York, NY 10032
<550 $717 $8,608 Progressive 32 January 26, 2025 New York, NY 10032
<550 $720 $8,642 Progressive 63 December 4, 2024 New York, NY 10025
<550 $720 $8,642 Progressive 63 November 20, 2024 New York, NY 10025
<550 $728 $8,733 Progressive 32 June 3, 2024 New York, NY 10032
<550 $772 $9,260 Progressive 32 December 23, 2024 New York, NY 10032
Last Updated Feb 18, 2025

Cheapest car insurance for drivers with at-fault accidents in NYC

An at-fault accident can cause your car insurance costs to rise. Here are some of the cheapest rates New York City drivers have received after an at-fault accident.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $122 $1,468 Progressive 27 No September 28, 2023 New York, NY 10025
At Fault With No Injury $305 $3,662 Progressive 66 No February 3, 2025 New York, NY 10039
At Fault With No Injury $305 $3,662 Progressive 66 Yes February 3, 2025 New York, NY 10039
At Fault With No Injury $345 $4,140 Progressive 54 No July 8, 2024 New York, NY 10012
At Fault With No Injury $371 $4,455 Progressive 52 No July 8, 2024 New York, NY 10029
Last Updated Feb 18, 2025

Cheapest car insurance for drivers with speeding tickets in NYC

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $179 $2,146 Progressive 55 July 9, 2024 New York, NY 10028
Speeding under 15 $431 $5,168 Progressive 59 July 14, 2024 New York, NY 10011
Speeding under 15 $507 $6,084 Progressive 56 July 11, 2024 New York, NY 10024
Speeding under 15 $515 $6,182 Progressive 56 July 2, 2024 New York, NY 10024
Speeding under 15 $859 $10,308 Progressive 53 July 17, 2024 New York, NY 10040
Last Updated Feb 18, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.