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Cheap car insurance in New York
How to get the best car insurance in New York
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 how 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.
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Most popular New York auto insurance companies list
| Company | Direct premiums written (billions) | Market share |
|---|---|---|
| Geico | $4,555,220 | 32.6% |
| Allstate | $1,897,997 | 13.6% |
| State Farm | $1,756,075 | 12.6% |
| Progressive | $1,477,674 | 10.6% |
| Liberty Mutual | $761,979 | 5.4% |
| Travelers | $542,543 | 3.9% |
| USAA | $422,789 | 3.0% |
| NYCM | $365,370 | 2.6% |
| National General | $337,462 | 2.4% |
| Nationwide | $270,391 | 1.9% |
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
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1388 |
| Esurance | $6191 |
| Progressive | $2815 |
| Geico | $1496 |
| StateFarm | $4262 |
Car insurance quotes in Ridgewood
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1388 |
| Esurance | $5520 |
| Progressive | $2491 |
| Geico | $1496 |
| StateFarm | $4262 |
Car insurance quotes in Brooklyn
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1343 |
| Esurance | $8614 |
| Progressive | $3470 |
| Geico | $2323 |
| StateFarm | $5446 |
Car insurance quotes in New York
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1418 |
| Esurance | $4076 |
| Progressive | $2405 |
| Geico | $1014 |
| StateFarm | $1804 |
Car insurance quotes in Staten Island
| Company | Annual car insurance rate |
|---|---|
| Allstate | $1100 |
| Esurance | $4502 |
| Progressive | $2366 |
| Geico | $1398 |
| StateFarm | $2939 |
How can I save on my insurance in New York?
Looking for some ways to save money on your auto insurance in New York? No matter what state you’re in, there are many ways to lower your premiums and get a better value out of your coverage.
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.
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Frequently asked questions about New York car insurance
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