Cheapest car insurance in New York, New York (May 2024)

Drivers in New York City pay an average of $261 per month for state minimum liability insurance and $409 per month for full coverage insurance.
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Liz Jenson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor

Best car insurance companies in New York

Unfortunately, there is no one company with the best
car insurance
rates for every New York resident. Car insurance companies use a variety of algorithms to determine your rates, meaning that you will often see different
from different providers.
To help motorists find the best provider, Jerry conducted the largest insurance survey in the nation to learn more about insurance companies. We found that while many customers care about price, factors like claim handling and customer service also played a big part in people’s experiences.
In New York, large insurers like State Farm, Geico, Progressive, and Allstate, tend to be popular with city residents. The General is also a popular choice in the city, but let’s take a closer look at which other companies scored top marks for affordability and customer service.
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry rating

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.

How to find the cheapest car insurance quotes in New York

New York City drivers pay an average of $261 per month for state minimum liability insurance coverage and $409 per month for full coverage insurance. That makes
auto insurance
in NYC a whopping 84% more expensive than the state average.
Coverage type
New York, NY
New York
United States
State minimum
Full coverage
Still, the city average might not reflect your final insurance quote. Insurance rates are as unique as everyday drivers, which is why motorists in the city turn to
compare and buy car insurance

Best cheap car insurance quotes in New York

NYC drivers are legally required to carry New York’s state minimum liability coverage, uninsured motorist coverage, and personal injury protection (PIP). New York’s 25/50/10 liability insurance requirements are a great place to start, but it’s a lot safer for you— and your wallet—to carry extra liability coverage. 

Cheap minimum liability insurance quotes in New York

New York state law mandates that NYC drivers carry state minimum coverage before they can get behind the wheel. This coverage includes1:
Below, you’ll find some affordable state minimum insurance rates from top providers.
Insurance company
Monthly minimum coverage cost

Do you need more than minimum coverage in New York?

Compared to other states, New York’s state minimum requirements are relatively high. Despite this, it’s still a good idea to purchase additional protection before you hit the road.
For example, if you’re in an at-fault accident you might find that some of the resulting expenses are higher than your state minimum coverage levels. A totaled car, for example, could cost you $50,000 or more to replace.
In short: Consider adding more coverage to your liability limits, or upgrade to a full coverage policy for maximum protection.

Expert Insight

VP Insurance Operations, 18+ Years Experience in Insurance
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheap full coverage car insurance quotes in New York

NY’s state minimum requirements help cover the costs after an accident—but they don’t cover repair or replacement costs to your vehicle. The only way to make sure your property is covered is to purchase full coverage insurance. 
With a full coverage policy, you’ll get
collision coverage
, which pays to repair or replace your vehicle after a collision with another vehicle or a stationary object. You’ll also get
comprehensive coverage
, which repairs or replaces your vehicle if it’s been damaged by something other than a collision, such as a natural disaster, vandalism, or theft. 
If you have a car loan or lease, you’ll probably be required by your lender to purchase full coverage insurance. 
Have a look at which providers offer some of the cheapest full coverage rates in NYC.
Insurance company
Monthly full coverage cost
Lower my car insurance too!

Average cost of car insurance in New York

For state minimum liability insurance coverage, NYC drivers pay an average of $261 per month, or $3,134 per year. For full coverage, drivers in the city pay an average of $409 per month, or $4,908 per year. 
A lot of different things can affect the average insurance rates in a particular area. In NYC, rates are particularly high for the following reasons:
  • High risk of car theft and vandalism: Vehicle theft and vandalism are both glaring problems in the city. Since 2019, car theft has gone up by 191%, posing a huge risk to insurance companies offering comprehensive coverage.2
  • Severe weather: New York City experiences all kinds of extreme weather. Not only does adverse weather create dangerous driving conditions, it damages your vehicle—and providers will charge more as a result.3
  • Car accident data: In 2019, NYC saw over 134,000 car accidents and was ranked the fourth worst city for traffic nationwide. But it’s not only the high rate of accidents—distracted driving was also a main sore point among motorists in the city. Insurance providers will always take a city’s road safety into account when determining what drivers there will pay.45
  • High state minimum requirements: New York has some of the highest state minimum car insurance rates in the United States, which makes costs higher compared to other states.6
  • High population density: In 2022, it was estimated that over eight million people lived in NYC. High population density often means high vehicle density, which increases your chance of an accident and your car insurance rates.7
  • Dangerous drivers8: Reckless driving, such as speeding or dangerous behavior on the road, was responsible for nearly one-third of crashes in 2021. The more reckless people are on the road, the more providers compensate by charging more.

Average cost of car insurance in New York by ZIP code

Your rates can vary from one ZIP code to the next, even if you’re in the same city. That’s because different ZIP codes can have different driving and crime risks, leading to varying risks for insurance companies.
Have a look below to see just how much insurance rates can change based on your location.
ZIP codes
Monthly minimum coverage cost

Car insurance quotes in New York by rating factors 

Providers will use several different rating factors when
determining your car insurance
coverage, such as:
  • Your driving history: Those with clean driving records typically pay far less for an auto insurance policy as they’re deemed safer motorists.
  • Your demographics: Things like gender, age, and marital status all have an impact on your car insurance prices.
  • Your mileage: When your annual mileage is high, you’ll often see higher insurance rates.
  • Your location: If your ZIP code sees high theft or car accident rates, you’ll likely see higher rates.
  • Your vehicle: High-performance, sport, and luxury vehicles are often more expensive to repair or replace, meaning they have greater insurance costs.
  • Your credit score: If you have excellent credit, you’ll generally see lower rates from your insurance provider.

How do different factors impact your car insurance costs in New York?

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

Cheap car insurance quotes in New York after driving violations

If you have a history of tickets and violations, your provider will often charge more for insurance. Some common driving violations that can increase your premiums include:

Cheapest car insurance in New York after a speeding ticket

Not all speeding tickets are created equal. For example, driving 1-5 MPH over the limit will have different consequences than driving 21+ MPH over the limit.
Speeding is considered risky driving behavior, meaning insurers will charge more for your policy after a speeding ticket
Monthly coverage cost
Rate increase (%)

Cheapest car insurance in New York after DUI

Your rates can increase dramatically after a
DUI violation
. Have a look at the average rate increase in NY after a DUI charge.
Monthly coverage cost
Rate increase (%)
That said, it doesn’t have to be impossible to find an affordable car insurance policy. Rates change across various providers, so comparing quotes is the first step to finding affordable coverage after a DUI. 

Cheapest car insurance in New York after an at-fault accident

Providers look at your claims history to assess potential risk—and after an at-fault accident, you’re considered a much riskier driver.
While New York is a
no-fault state
, drivers can still be held responsible for damages to another driver’s property. When this happens, you may see your insurance rates increase by as much as 15%.
Driving record
Monthly coverage cost
Rate increase (%)
At-fault accident

Cheapest car insurance in New York after other driving violations

Other types of violations, such as reckless driving or driving with a
suspended license
, can increase your car insurance rates as well. 
Monthly coverage cost
Rate increase (%)
Cell phone use
Driving with a suspended license
Not wearing a seat belt

Cheap car insurance quotes in New York by age

If you’re under 25 or over the age of 70, you’ll see steeper rates. Between a teen driver’s inexperience on the road and an older driver’s susceptibility to severe injuries in the event of an accident, both groups tend to pay more than the average rates.

Cheapest car insurance in New York for young drivers

Car insurance
for teens ages 16 to 19 is more expensive than coverage for any other age group. This is because teenagers are statistically more likely to get into an accident due to their lack of experience. This also means that when buying insurance for a young driver, it’s best to opt for a full coverage policy. 
For many teens, it’s also practical to stay on their household policy, especially with how expensive it can be to get insured individually.
Monthly minimum coverage cost
Monthly full coverage cost

Cheapest car insurance in New York for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+. 
Monthly minimum coverage cost
Monthly full coverage cost
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheapest car insurance in New York for senior drivers

Senior drivers
will typically see higher rates as well. Adults aged 70 and up are statistically more likely to get into car accidents. Not only that, they can also sustain more serious injuries in the event of a crash, which leads to higher medical bills.
Monthly minimum coverage cost
Monthly full coverage cost

Cheap car insurance quotes in New York based on insurance history

If you have any
lapses in coverage
, insurance providers will view you as high-risk and charge steeper rates.
Insurance history
Monthly coverage cost
Rate increase (%)
With coverage lapses

Cheap car insurance quotes in New York for drivers with poor credit

Statistically speaking9, drivers with fair credit pay 49% more for car insurance than drivers with excellent credit. Drivers with poor credit, on the other hand, pay 115% more than drivers with excellent credit.
Have a look at how much your credit score can impact NYC insurance rates.
Credit score
Monthly coverage cost
< 600

How to lower car insurance costs in New York

1. Shop around and compare quotes

Because the rules for determining rates differ from company to company, the best way to find an affordable rate is to shop around. Experts recommend you shop for quotes from at least three different companies every six months.
With Jerry, this process is simple and easy. In a matter of minutes, Jerry collects quotes from a pool of top insurance providers to help you find the best rates available. Better still, Jerry provides these quotes for free!

2. Hunt for car insurance discounts

You’ll find
from most auto insurance providers, but the available options will differ across companies. Some of the more common options to ask your insurance provider about include:
  • Good driver discounts: If you keep your driving record clean, many providers will give a discounted rate.
  • Telematics discounts: Using telematics technology to track your driving habits can earn you a discount with many providers. Some companies will even give you a discount just for signing up!
  • Good student discounts: If you’re a full-time student in high school or college your provider might offer a discount if you maintain a B average or better.
  • Bundling discounts: Many providers will give you a discount if you
    bundle your home and auto insurance
    , or your auto and renters insurance.

3. Increase your deductible for comprehensive and collision coverage

If you have full coverage, you can lower your rate by raising your deductible. Just be sure that you can still afford to pay your deductible out-of-pocket in the event of an accident.


How much is car insurance in New York?

The average NYC driver pays $261 per month for state minimum liability insurance coverage and $409 per month for full coverage insurance. 
Your personal insurance rate could vary depending on your driver profile, age, vehicle, and credit score. To figure out how much you’ll need to pay for car insurance, shop for quotes from multiple providers.

Why is car insurance so expensive in New York?

There are several reasons that car insurance is so expensive in New York. The primary one is the high state minimum coverage requirement. New York requires drivers to carry more insurance than other states, making insurance prices higher on average.
In NYC specifically, prices are higher due to factors like population density, severe weather, high vehicle theft, and increased accident rates in the city.

What car insurance is the cheapest in NY?

Our research found that Clearcover, Kemper, and State Auto were among some of the top rated insurance providers in NY.
However, there’s no single insurance provider in New York that will consistently offer the best prices to every driver. Insurance companies use different algorithms to determine your rate, meaning that the only real way to find the cheapest insurance for you is to compare rates across several companies.


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

Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
Maria Cruz
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Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media,, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
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Head Of Insurance Operations
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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.