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Last updated: April 15, 2025
Compare Cheap Auto Insurance in New York
Progressive and NYCM have some of the cheapest rates in New York.
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The average cost of full coverage auto insurance in New York state is $2,279, which is similar to the national average of $2,399. However, the average cost of minimum coverage is $1,343, more than double the national average of $635. This is partly due to the state’s no-fault insurance laws, which require drivers to file claims with their own insurer, regardless of fault.
Insurance costs tend to be higher in no-fault states, but some companies are cheaper than others. We’ve rounded up the most affordable options in the Empire State.
Overview
- The average cost of full coverage auto insurance in New York is $2,279 annually. Minimum coverage averages $1,343 annually.
- Progressive is cheapest in several categories, including full and minimum coverage and for drivers with a speeding ticket or DUI.
- Regional insurer New York Central Mutual (NYCM) also has cheap rates, including for drivers with low credit, an at-fault accident, and households with teen drivers.
- New York City, being densely populated, has higher-than-average premiums, with full coverage insurance costs of $3,675 annually.
Jump to:
- Cheapest full coverage auto insurance in New York: Progressive ($1,288 annually) and NYCM ($1,447)
- Cheapest minimum coverage: Progressive ($744 annually) and NYCM ($757)
- Cheapest with a teen driver: NYCM ($3,056 annually) and Progressive ($4,123)
- Cheapest with a speeding ticket: Progressive ($1,438 annually) and NYCM ($1,543)
- Cheapest with an at-fault accident: NYCM ($1,635 annually) and USAA ($1,847 annually)
- Cheapest with a DUI: Progressive ($1,566 annually) and NYCM ($2,117 annually)
- Cheapest with low credit: NYCM ($2,589 annually) and GEICO ($2,811 annually)
Cheapest Car Insurance in New York for Full Coverage: Progressive
Progressive offers the most affordable full coverage auto insurance in New York at $1,288 annually ($107 per month). It’s a top choice for drivers seeking the lowest premiums without sacrificing essential coverage. Progressive is also known for competitive pricing across different driving scenarios, such as after a driver’s speeding ticket or DUI.
NYCM ($1,447 annually) and USAA ($1,652 annually) also offer cheap rates, with higher ratings for customer satisfaction. Note that USAA is only available to military members, veterans, and their families.
| Provider | Annual for Full Coverage | Monthly for Full Coverage |
|---|---|---|
| Progressive | $1,288 | $107 |
| NYCM | $1,447 | $121 |
| USAA | $1,652 | $138 |
| GEICO | $2,012 | $168 |
| State Farm | $2,256 | $188 |
| Allstate | $2,485 | $207 |
| Travelers | $2,933 | $244 |
| New York average | $2,279 | $190 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in New York for Minimum Coverage: Progressive
Minimum coverage is the least expensive form of auto insurance, but it may not be sufficient in the event of a serious accident. If you’re opting for minimum coverage, Progressive offers the cheapest rate in New York at $744 annually. This is nearly half the cost of the average minimum coverage premium in the state ($1,343). While it’s an affordable option, remember that it only meets the state’s minimum requirements and doesn’t provide much protection beyond that.
NYCM ($757 annually), USAA ($968 annually), and GEICO ($1,050 annually) also offer cheap rates for minimum coverage in New York.
| Provider | Annual for Minimum Coverage | Monthly for Minimum Coverage |
|---|---|---|
| Progressive | $744 | $62 |
| NYCM | $757 | $63 |
| USAA | $968 | $81 |
| GEICO | $1,050 | $87 |
| State Farm | $1,507 | $126 |
| Allstate | $1,562 | $130 |
| Travelers | $1,921 | $160 |
| New York Average | $1,343 | $112 |
| National average | $635 | $53 |
Cheapest Car Insurance in New York for Teen Drivers: NYCM
Teens are one of the most expensive groups to insure due to their lack of driving experience. In New York, the average cost of a policy with a teen driver is $5,517 annually. NYCM is cheapest at $3,056 annually, which is 44 percent below the state average. Progressive ($4,123 annually) and regional provider Erie ($4,618 annually) also provide competitive rates. Erie also ranks highly for customer and claims satisfaction.
| Provider | Annual With Teen Driver | Monthly With Teen Driver |
|---|---|---|
| NYCM | $3,056 | $255 |
| Progressive | $4,123 | $344 |
| Erie | $4,618 | $385 |
| USAA | $5,713 | $476 |
| Nationwide | $6,300 | $525 |
| GEICO | $6,352 | $529 |
| State Farm | $6,684 | $557 |
| Allstate | $6,709 | $559 |
| New York Average | $5,517 | $460 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in New York With a Speeding Ticket: Progressive
A speeding ticket can hike your auto insurance premiums in New York by around 7 to 10 percent. Progressive offers the most affordable rate for drivers with a speeding ticket: $1,438 annually. This is well below the state average of $2,444, making Progressive a top choice for those looking to keep their premiums low after a traffic violation. NYCM ($1,543 annually) and USAA ($1,819) are the next cheapest providers in New York.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| Progressive | $1,438 | $120 |
| NYCM | $1,543 | $129 |
| USAA | $1,819 | $152 |
| Erie | $2,239 | $187 |
| State Farm | $2,341 | $195 |
| GEICO | $2,492 | $208 |
| Allstate | $2,999 | $250 |
| Travelers | $3,313 | $276 |
| New York Average | $2,444 | $204 |
| National average | $2,511 | $209 |
FYI:
Check out our guide to New York car insurance laws to learn more about how traffic violations may affect your auto insurance.
Cheapest Car Insurance in New York With an At-Fault Accident: NYCM
For drivers with an at-fault accident on their records, NYCM offers the best value, with a premium of $1,635 annually. This is nearly $700 cheaper than the state average, $2,598 a year. NYCM only writes policies in the state of New York, but they also provide a high level of customer service to their customers.
USAA ($1,847 annually) and Progressive ($1,857) are the next cheapest insurance providers in the state. While USAA is only available to veterans, military members, and their families, the carrier is worth considering if you’re eligible for membership.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| NYCM | $1,635 | $136 |
| USAA | $1,847 | $154 |
| Progressive | $1,857 | $155 |
| State Farm | $2,461 | $205 |
| Allstate | $2,468 | $206 |
| GEICO | $3,093 | $258 |
| Travelers | $3,617 | $301 |
| New York Average | $2,598 | $217 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in New York With a DUI: Progressive
A DUI in New York can significantly increase your auto insurance rates. If you’re searching for coverage after a DUI in New York, Progressive provides the cheapest option at $1,566 annually. This is significantly lower than the state average of $3,281.
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| Progressive | $1,566 | $131 |
| NYCM | $2,117 | $176 |
| USAA | $2,305 | $192 |
| Allstate | $3,405 | $284 |
| Travelers | $3,589 | $299 |
| State Farm | $4,257 | $355 |
| GEICO | $6,176 | $515 |
| New York Average | $3,281 | $273 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in New York With Low Credit: NYCM
Having low credit can raise your auto insurance rates in New York, but NYCM offers a competitive rate for drivers with low credit at $2,589 annually. NYCM policies are sold through local agents, so you’ll be able to work with an actual person to figure out the coverage you need and how to minimize the impact of your credit score with discounts. GEICO ($2,811 annually) also offers cheaper rates for drivers in New York with low credit.
| Provider | Annual With Low Credit | Monthly With Low Credit |
|---|---|---|
| NYCM | $2,589 | $216 |
| GEICO | $2,811 | $234 |
| USAA | $3,106 | $259 |
| Allstate | $3,836 | $320 |
| Erie | $3,842 | $320 |
| State Farm | $4,653 | $388 |
| Travelers | $5,682 | $474 |
| Progressive | $9,379 | $782 |
| New York Average | $4,478 | $373 |
| National average | $3,377 | $281 |
Best Claims and Customer Satisfaction in New York: Travelers
Travelers received the highest score for customer satisfaction in New York, according to the latest study by J.D. Power. USAA also scored highly, but availability is limited to military families. State Farm also scored well and ranked more highly than Travelers in a national claims satisfaction study.
Most providers scored in the C-/C range on CRASH Network’s Insurer Report Card, which surveys collision repair shops on insurers’ claims practices. Erie rose above the rest of the companies surveyed with an A-.
| Provider | New York Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card Grade3 |
|---|---|---|---|
| Travelers | 667 (ranked first) | 684 | C |
| State Farm | 662 | 710 | C- |
| NYCM | 659 | Not ranked | Not ranked |
| GEICO | 649 | 692 | C- |
| Erie | Not ranked | 733 | A- |
| USAA | 746 | 726 | D+ |
| Allstate | 627 | 691 | D |
| Progressive | 621 | 672 | C |
| Average | 647 | 697 | C+ |
How to Find the Cheapest Rates in New York
Here are some tips to ensure you find the most affordable auto insurance in New York:
- Compare Quotes: Always get quotes from multiple providers to see which offers the best rates for your specific situation. Get quotes from at least three providers for the same coverage.
- Ask About Discounts: Many providers offer discounts for safe driving, bundling home and auto insurance, and having anti-theft devices. Speak to a representative from your provider and make sure all discounts are being applied.
- Consider Increasing Your Deductible: A higher deductible can lower your premium, but be sure it fits within your budget in case of a claim. In general, a $1,000 deductible is a good middle ground, although ultimately, the decision will depend upon your personal finances.
- Drive Safely: Participating in telematics programs or staying accident-free can lead to lower premiums over time. Maintaining a clean driving record not only helps with your insurance rates but also promotes overall safety on the road.
Average Auto Insurance Cost in New York by City
New York City has the highest average full coverage premiums in New York state at $3,676 annually, followed by other major cities such as Buffalo ($2,008 annually) and Albany ($1,611 annually). Living in urban areas generally results in higher premiums due to the increased risk of accidents and theft.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| New York City | $3,676 | $306 |
| Yonkers | $2,746 | $229 |
| New Rochelle | $2,446 | $204 |
| Buffalo | $2,008 | $167 |
| Albany | $1,612 | $139 |
| Syracuse | $1,571 | $131 |
| Rochester | $1,505 | $125 |
| New York state | $2,279 | $190 |
Minimum Car Insurance Requirements in New York
New York requires the following minimum auto insurance coverage for all drivers:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $10,000 per accident
- Uninsured/underinsured motorist: $25,000 per person/$50,000 per accident
- Personal injury protection: $50,000 per person
Your liability coverage must be in effect until your vehicle registration expires, even if you don’t use your vehicle. It also must be New York State insurance coverage.4
Frequently Asked Questions
How can I lower my car insurance in New York?
To lower your car insurance in New York, start by comparing quotes from multiple providers. Insurance rates can vary significantly, so getting several quotes will help you find the best deal for your coverage needs. Additionally, consider raising your deductible: This can lower your monthly premium. Just be sure you’re comfortable with the higher out-of-pocket costs in the event that you need to file a claim. Another way to reduce costs is by asking your insurance provider about available discounts, such as those for safe driving, bundling policies, installing anti-theft devices, or even for taking a defensive driving course. Finally, consider adjusting your coverage to reflect your current needs. For example, if your car is older, fully paid off, and has a lower value, you might drop collision and/or comprehensive coverage.
How much is car insurance in New York per month?
Full coverage auto insurance in New York costs $190 on average per month while minimum coverage costs $112.
How long can you go without insurance in New York?
- In New York, you cannot go without insurance on a registered vehicle for any length of time without facing potential penalties. However, the severity of the consequences depends on the duration of the lapse:
- 1-90 days: You can pay a civil penalty to avoid license and registration suspension. The daily rates are:
- $8 per day for days 1-30
- $10 per day for days 31-60
- $12 per day for days 61-90
- 91 days or more: Your license and registration will be automatically suspended for a period equal to the duration of the lapse. You’ll also need to pay a $50 suspension termination fee to reinstate your license.
Senior Writer & Editor
A seasoned journalist and content strategist with over 10 years of editorial experience in digital media, Aliza Vigderman has written and edited hundreds of articles on the site, covering everything from plan coverages to discounts to state laws. Previously, she was a senior editor and industry analyst at the home and digital security website Security.org, previously called Security Baron. She has also contributed to The Huffington Post, SquareFoot, and Degreed. Aliza studied journalism at Brandeis University.
Citations
Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 5).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study2024 CRASH Network Insurer Report Card. CRASH Network. (2024).
https://www.crashnetwork.com/irc/Insurance Requirements. New York State Department of Motor Vehicles. (2024).
https://dmv.ny.gov/insurance/insurance-requirements
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