Get Cheap Car Insurance in New York (2021)

On average, your neighbors pay $230 a month.

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Cheap Auto Insurance in New York

USAA is the best company for cheap car insurance in New York, according to QuoteWizard research. It offered our sample driver minimum coverage car insurance for $106 a month, which is well below the state average for such a policy. USAA also offers cheap full coverage car insurance to New York drivers, at an average of $217 a month. This is nearly half the state-average cost of a full coverage policy.

Erie, GEICO and State Farm are good companies for cheap auto insurance in New York, too. That’s important to know, as not everyone can buy insurance from USAA.

Learn more about New York auto insurance, including:

What are the best car insurance companies in New York?

Erie and USAA are the best car insurance companies in New York, based on our data. If you can’t buy car insurance from one of these companies, or if you’d prefer to buy from a larger insurer, State Farm and GEICO offer cheap coverage, too.

USAA offered our sample driver minimum coverage car insurance for $106 per month, on average. This is less than half the state average for such policies.

Erie’s average rate for a minimum coverage policy in New York is $142 per month. Although that’s nearly $40 per month more than USAA’s average rate, it’s still far cheaper than the state average.

Cheapest minimum coverage car insurance in New York
Company Average monthly rate
USAA $106
Erie $142
GEICO $210
State Farm $214
New York average $230
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Our research shows that USAA is the best car insurance company in New York for full coverage car insurance, too, at an average monthly rate of $217. Full coverage car insurance generally includes liability, collision and comprehensive coverages.

Only current members of the military, veterans and certain family members can get car insurance from USAA, so it’s not an option for all New York drivers. Erie is a great alternative for such people, as its average monthly rate for full coverage auto insurance is $254. This is still cheaper than the state average for full coverage policies.

Cheapest full coverage car insurance in New York
Company Average monthly rate
USAA $217
Erie $254
State Farm $309
Progressive $371
New York average $412
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

If you’d prefer to buy full coverage auto insurance from a big-name company, consider State Farm and Progressive. State Farm’s average rate for full coverage is $309 per month — $100 per month less than the New York state average — while Progressive’s average monthly rate is $371.

Best car insurance companies for New York drivers with incidents

Drivers with tickets, accidents or DUIs on their records usually pay more for car insurance than drivers with clean records. This is as true in New York as it is in other states.

USAA is the best car insurance company in New York for drivers with speeding tickets, accidents or DUIs on their records, according to our data.

 
 
 

If USAA isn’t an option for you, compare rates from Erie, Progressive and State Farm. These companies also offer relatively cheap car insurance to drivers in New York with incidents on their records.

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How much is car insurance in New York?

The average cost of minimum coverage car insurance in New York is $230 per month. The average cost of full coverage car insurance in New York is $412 per month.

This means the cost of car insurance in New York is higher than the national average. The national average for minimum car insurance is $87 per month, while the national average for full coverage is $178 per month.

Minimum car insurance includes just the coverage types and amounts a state requires. In New York, a minimum coverage policy includes bodily injury and property damage liability coverage. Full coverage policies typically include liability, collision and comprehensive coverages.

How much is car insurance in New York by age group?

Older drivers in New York tend to pay lower rates for car insurance than younger drivers. For example, 18-year-old drivers pay an average of $1,179 per month for full coverage car insurance in New York. New York’s 40-year-old drivers pay $405 per month, on average, for the same policy. That’s a difference of over $700 per month, or more than $9,000 per year.

 
 

Best car insurance companies in New York by age group

Erie, State Farm and USAA are the best companies for cheap car insurance in New York regardless of your age, based on our research.

Here are the best car insurance companies for teen drivers in New York, for example:

Cheapest car insurance for teen drivers in New York
Company Average monthly rate
USAA $820
Erie $835
State Farm $943
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

And here are the best car insurance companies for New York drivers over the age of 40:

Cheapest car insurance for 40+ drivers in New York
Company Average monthly rate
USAA $205
Erie $233
State Farm $289
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

These average rates are for full coverage car insurance policies. USAA, State Farm and Erie also offer the best and cheapest rates for minimum coverage car insurance in New York regardless of your age, though.

What are the car insurance requirements in New York?

New York drivers must have a minimum amount of car insurance to register their vehicles with the state. The minimum amount of car insurance required in New York is:

  • $25,000 for bodily injury and $50,000 for death of one person in an accident
  • $50,000 for bodily injury and $100,000 for death of two or more people in an accident
  • $10,000 for property damage related to a single accident

Methodology

QuoteWizard conducted a comprehensive study of New York car insurance rates using Quadrant Information Services. Unless otherwise stated, the quotes analyzed were for a single, 30-year-old male with a clean driving record. He operates a 2012 Honda Accord LX with an average annual mileage of 13,500 miles.

When discussing a full coverage car insurance policy, the driver had the following limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision and comprehensive deductible

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