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Compare car insurance in New York

Get the cheapest car insurance in New York for 2020

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Fact checked

It pays to know what’s required to drive in New York when it comes to auto insurance. Compare average car insurance costs, state laws and shop around to find the best rates in the state of New York.

New York

Car insurance quick facts

25/50/10

Minimum liability requirements

$1,300

Average annual car insurance cost

Immediately

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare New York car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Geico
Optional
26%
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
Farmers
15%
All 50 states
Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
Geico$4,555,22032.6%
Allstate$1,897,99713.6%
State Farm$1,756,07512.6%
Progressive$1,477,67410.6%
Liberty Mutual$761,9795.4%
Travelers$542,5433.9%
USAA$422,7893.0%
NYCM$365,3702.6%
National General$337,4622.4%
Nationwide$270,3911.9%

Average car insurance costs in New York

New York averages $1,350 annually for standard car insurance coverage, which puts it slightly above the national average of approximately $1,300. Costs vary within the state based on your driving history, vehicle and level of coverage.

Location is one of many factors that can affect your insurance rate. For example, a driver who lives and parks their car in downtown Manhattan could pay more to insure their car than someone up in Woodstock. City living comes with some extra risks for vandalism and theft, plus driving in tight traffic more often tends to mean you’re at a greater risk for accidents.

Car insurance quotes for New York drivers

While the state average is in the $1,300 range, you could pay more or less depending on your situation. To give you an idea of how much you might pay for car insurance, compare sample quotes for drivers living in the state of New York. These rates are for a married driver with good credit wanting great coverage for a newer sedan.

Cheap car insurance in New York

Cheap car insurance in New York City

Which city has the cheapest car insurance in New york?

Of New york’s largest cities, Staten Island has the cheapest rates and Brooklyn has the most expensive car insurance rates. Brooklyn drivers could face rates 8 times more than Staten Island drivers.

Car insurance quotes in Elmhurst

CompanyAnnual car insurance rate
Allstate$1388
Esurance$6191
Progressive$2815
Geico$1496
StateFarm$4262

Car insurance quotes in Ridgewood

CompanyAnnual car insurance rate
Allstate$1388
Esurance$5520
Progressive$2491
Geico$1496
StateFarm$4262

Car insurance quotes in Brooklyn

CompanyAnnual car insurance rate
Allstate$1343
Esurance$8614
Progressive$3470
Geico$2323
StateFarm$5446

Car insurance quotes in New York

CompanyAnnual car insurance rate
Allstate$1418
Esurance$4076
Progressive$2405
Geico$1014
StateFarm$1804

Car insurance quotes in Staten Island

CompanyAnnual car insurance rate
Allstate$1100
Esurance$4502
Progressive$2366
Geico$1398
StateFarm$2939

State minimum requirements in New York

  • Bodily injury minimum: $25,000 per person / $50,000 per accident; $50,000 per death to one person / $100,000 per death to multiple people
  • Property damage minimum: $10,000 per accident
  • Uninsured/underinsured bodily injury minimum: $25,000 per person / $50,000 per accident
  • Basic personal injury protection minimum: $50,000

When shopping for car insurance, you’ll sometimes see this written as 25/50/10.

Some states, including New York, require you to purchase uninsured or underinsured motorists coverage (UM/UIM coverage), which protects you in an accident with someone without proper insurance coverage. New York’s laws require a UM/UIM minimum equal to that of the regular liability coverage.

Can I get SR-22 insurance in New York?

Unlike other states, New York doesn’t require drivers with DUI convictions to file SR-22 insurance — a certificate that tells the state you have the minimum coverage required to get behind the wheel. If a driver is required to file one, they’ll be notified by the state.

Bottom line

Getting the right car insurance could make all the difference when it comes time to filing a claim, and depending on your circumstances, it could mean buying a policy with more coverage than the bare minimum. Shop around and compare your options to find the best value, and work with your provider to build a policy that works for you.

Get the cheapest quotes

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Frequently asked questions about New York car insurance

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