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 Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Progressive | $367 | Devin, 23, Rochester, NY | Chevrolet Impala Lt | State Minimum | No |
| Progressive | $154 | Paul, 67, Oakdale, NY | Mazda Cx-5 Touring | State Minimum | Yes |
| Progressive | $861 | Lora, 53, Bronx, NY | Toyota Camry Le | State Minimum | Yes |
| Progressive | $490 | Jeremy, 24, Centereach, NY | Nissan Altima S | State Minimum | No |
| Progressive | $495 | Katie, 42, Bronx, NY | Ford Focus Se | State Minimum | Yes |
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.
Jerry administered the largest national insurance shopping survey to uncover which insurance company offers the cheapest car insurance quotes in New York.
_ 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 company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Allstate | August 26, 2024 | 3 | “Expensive less discounts than state farm premiums are expensive. “ -Norman |
| Nationwide | August 20, 2024 | 4 | “Was looking for new auto insurance and this definitely worked for me! Premiums are very affordable” -Jeanette |
| Assurance America | August 19, 2024 | 4 | “Saved me a few hundred dollars and has about the same coverage as my old plan” -Amanda |
| Bristol West | August 18, 2024 | 5 | “10000000% recommend to anyone in need of insurance.” -Mae |
| Encompass | August 17, 2024 | 5 | “Encompass always assists me quickly and efficiently with any questions or problems I have.” -Ethel |
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:
- $10,000 per accident of property damage liability coverage
- $25,000 per person / $50,000 per accident of bodily injury liability coverage
- $25,000 per person / $50,000 per accident of bodily injury uninsured motorist coverage
- $50,000 of personal injury protection
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.
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 Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | No | Progressive | $367 | Devin, 23, Rochester, NY | Chevrolet Impala Lt |
| State Minimum | Yes | Progressive | $154 | Paul, 67, Oakdale, NY | Mazda Cx-5 Touring |
| State Minimum | Yes | Progressive | $861 | Lora, 53, Bronx, NY | Toyota Camry Le |
| State Minimum | No | Progressive | $490 | Jeremy, 24, Centereach, NY | Nissan Altima S |
| State Minimum | Yes | Progressive | $495 | Katie, 42, Bronx, NY | Ford Focus Se |
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 $242 per month or $2,904 per year. Full coverage insurance typically costs an average of $3,144 per year or $262 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 $242 per month, while full coverage policies start at closer to $262 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 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 Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding Violation-Minor | Progressive | $465 | Amelia, 35, Syracuse, NY | State Minimum | Yes |
| Speeding Violation-Minor | Progressive | $551 | Lewis, 28, Farmingdale, NY | State Minimum | Yes |
| Speeding Violation-Minor | Progressive | $624 | Emilie, 45, Kingston, NY | State Minimum | Yes |
| Speeding Violation-Minor | Progressive | $388 | Danny, 30, Staten Island, NY | State Minimum | No |
| Speeding Violation-Minor | Progressive | $426 | Russell, 49, Port Chester, NY | State Minimum | No |
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.
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 Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Not At Fault | Progressive | $367 | Devin, 23, Rochester, NY | State Minimum | No |
| At Fault With No Injury | Progressive | $495 | Katie, 42, Bronx, NY | State Minimum | Yes |
| Not At Fault | Progressive | $761 | Virgie, 65, East Islip, NY | State Minimum | Yes |
| At Fault With No Injury | Progressive | $993 | Floyd, 60, Staten Island, NY | State Minimum | No |
| Not At Fault | Progressive | $1,009 | Jorge, 66, Queens, NY | State Minimum | No |
FAQ
-
Is New York an at-fault state?
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.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Other Minor | Progressive | $344 | Charles, 36, South Richmond Hill, NY | State Minimum | No |
| Failure to Obey Signal | Progressive | $110 | Devin, 32, Fultonville, NY | State Minimum | No |
| DUI | Progressive | $258 | Ann, 34, Mastic Beach, NY | State Minimum | No |
| DUI | Progressive | $685 | Estelle, 32, Nyack, NY | State Minimum | No |
| Other Minor | Progressive | $346 | Willie, 44, Syracuse, NY | State Minimum | Yes |
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.
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 Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 550-659 | Progressive | $367 | Devin, 23, Rochester, NY | Chevrolet Impala Lt | State Minimum | No |
| 750+ | Progressive | $154 | Paul, 67, Oakdale, NY | Mazda Cx-5 Touring | State Minimum | Yes |
| 550-659 | Progressive | $861 | Lora, 53, Bronx, NY | Toyota Camry Le | State Minimum | Yes |
| 550-659 | Progressive | $490 | Jeremy, 24, Centereach, NY | Nissan Altima S | State Minimum | No |
| 550-659 | Progressive | $495 | Katie, 42, Bronx, NY | Ford Focus Se | State Minimum | Yes |
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.
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.
Cheapest car insurance for popular cars
Your insurance rate is based on multiple factors, including the type of car you drive.If your car might require expensive repairs or replacement, attracts high theft rates, or has poor safety ratings, your insurance premiums will likely be higher than if you had a low-risk vehicle..
Popular cars in New York include:
- Nissan Rogue
- Honda CR-V
- Chevy Equinox
- Toyota RAV-4
- Dodge RAM 1500
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Toyota Rav4 Limited | Progressive | $181 | Ivan, 27, Buffalo, NY | State Minimum | No |
| Toyota Rav4 Xle | Progressive | $351 | Dollie, 29, Long Beach, NY | State Minimum | No |
| Nissan Rogue S | Progressive | $298 | Antonio, 31, Fultonville, NY | State Minimum | Yes |
| Nissan Rogue Sv | Progressive | $812 | Jason, 32, Yonkers, NY | State Minimum | No |
| Chevrolet Equinox Lt | Progressive | $230 | Callie, 60, Rensselaer, NY | State Minimum | Yes |
Learn more: How to get car insurance before buying a car
Car insurance cost for new vs. old car
New cars feature high-tech upgrades and enhanced materials that older cars simply don’t have. On average, new cars are approximately 22% more expensive to insure.
Average insurance rates in New York for vehicles based on age are:
Vehicles older than ten years old: $1,908
Vehicles less than 4 years old: $2,455
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.
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Rochester, NY | Devin | Progressive | $367 | Chevrolet Impala Lt | State Minimum | No |
| Oakdale, NY | Paul | Progressive | $154 | Mazda Cx-5 Touring | State Minimum | Yes |
| Bronx, NY | Lora | Progressive | $861 | Toyota Camry Le | State Minimum | Yes |
| Centereach, NY | Jeremy | Progressive | $490 | Nissan Altima S | State Minimum | No |
| Bronx, NY | Katie | Progressive | $495 | Ford Focus Se | State Minimum | Yes |
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:
- Shop around and compare quotes from different providers.
- Bundle insurance products to get a multi-policy discount.
- 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.
- Increase your deductible for your comprehensive and collision coverage.
- Improve your credit score.
- Take a defensive driving course.
- 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.
FAQ
-
Do you need car insurance in New York?
-
How much is car insurance in New York?
-
What is the average cost of car insurance in New York?
-
Why is car insurance so expensive in New York?
-
Who has the best cheap car insurance in New York?
-
What is the minimum car insurance required in New York?
-
Do you need insurance to register a car in New York?
-
Can your car get towed for no insurance in New York?
-
How to get cheap car insurance in New York?
-
What increases car insurance rates in New York?
-
Does insurance follow the car or the driver in New York?
-
What does full coverage car insurance consist of in New York?
-
What is the lowest form of car insurance available in New York?
-
How soon do you need insurance after buying a car in NY?
-
Can you have out of state car insurance in New York?
-
Is PIP required in New York?
-
Can you have both PIP and MedPay in New York?
-
Licensed Insurance Agent
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.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*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.
