120+ more)
)
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
)
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
The average cost of car insurance in New York State is only slightly cheaper than the national average. New York drivers pay an average of $150 per month for liability-only car insurance and $170 per month for full-coverage car insurance.
The average driver in the U.S. pays $99 per month for liability coverage and $173 per month for full coverage.
Below, you can see the cheapest insurance company in New York for various driver profiles. All monthly quotes below reflect liability insurance costs unless otherwise specified.
Driver Category | Cheapest Insurance Company in NY | Cheapest Monthly Quote in NY |
|---|---|---|
| Overall | Erie | $117 |
| State-minimum coverage | Erie | $117 |
| Full coverage | Erie | $132 |
| Drivers with a clean record | Erie | $117 |
| After a speeding ticket | Erie | $158 |
| After an at-fault accident | Erie | $162 |
| After a DUI | Erie | $189 |
| Teen/new drivers | Erie | $200 |
| Seniors | Erie | $80 |
| Bad credit | USAA | $142 |
Erie has the cheapest liability-only car insurance in New York, with an average monthly rate of $117. For comparison, the state average cost of liability insurance is $150 per month.
It’s important to remember that liability-only coverage only includes New York state’s minimum bodily injury liability, property damage liability, uninsured motorist (UM), and personal injury protection (PIP) coverage.
Below, you can compare some of the cheapest average liability insurance rates in New York.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $117 |
| USAA | $122 |
| Travelers | $142 |
| State Farm | $167 |
| Allstate | $175 |
| Nationwide | $178 |
| GEICO | $187 |
| Progressive | $298 |
| Chubb | $325 |
| Bristol West | $415 |
| 21st Century | $512 |
)
Austin Moyers
Sales Manager, Insurify
New York drivers should think about buying more car insurance than what the state requires as a minimum. New York’s required no-fault insurance can cover your bodily injuries from a car accident up to $50,000, but a liability-only policy won’t cover any damages to your own vehicle. You’ll need a full-coverage policy to cover your vehicle in the event of an at-fault car accident, damage from a storm, or theft.
Erie offers the cheapest full-coverage insurance in New York. Drivers in New York pay a monthly average of $170 for full coverage, which is costlier than liability coverage because it includes both collision and comprehensive coverage.
Collision insurance protects your vehicle in the event of accidents or collisions with objects. New York City drivers can benefit from collision coverage, as the number of cars leads to thousands of accidents each month, including 6,291 reported in February 2026 alone.[1]
Comprehensive insurance covers your car against damage from other causes, such as vandalism, theft, hail, and fallen tree branches. Drivers based in upstate New York can use comprehensive coverage after a severe winter storm that results in falling branches or damage from ice dams.See the cheapest full-coverage rates in New York below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $132 |
| USAA | $138 |
| Travelers | $161 |
| State Farm | $189 |
| Allstate | $198 |
| Nationwide | $201 |
| GEICO | $210 |
| CSAA | $262 |
| Chubb | $367 |
| Progressive | $454 |
| Bristol West | $531 |
| 21st Century | $578 |
Erie, USAA, and Travelers are a few of the best car insurance companies in New York. Each insurer provides unique benefits for certain types of drivers in the state. Erie is the best insurer for affordability, USAA for military families, and Travelers for flexible coverage.
When comparing car insurance quotes in New York, remember that the cheapest insurer isn’t always the best.
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $117/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $132/mo |
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Erie has some of the lowest car insurance premiums in New York, making it the best choice for drivers looking for affordable coverage.
New York drivers with Erie coverage can benefit from the helpful money-saving policy, Erie RateProtect. This policy helps keep your rates low by not increasing them after a small claim. It also includes First Accident Forgiveness, which prevents premium increases or the loss of discounts after one claim.
Some of the lowest rates in New York
Highest-ranked insurer in the J.D. Power U.S. Auto Claims Satisfaction Study
Numerous local agents in New York
Can’t get a policy completely online
Fewer discounts than larger national insurers
AM Best financial strength rating recently downgraded from A+ (Superior) to A (Excellent)
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $122/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $138/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
USAA is the clear best choice for military members, veterans, and their qualifying family members in New York.
The state is home to nearly 700,000 veterans, the seventh-largest veteran population in the country, making USAA the best option for 3.5% of the state.[2] The insurer offers numerous exclusive coverages and benefits to its policyholders that aren’t available elsewhere.
Highly rated in the J.D. Power U.S. Auto Insurance Study
AM Best financial strength rating of A++ (Superior)
Reasonable rates in New York
Available only to military members and qualifying family members
No local agencies in New York
Fewer discounts than other major insurers
| User Reviews | 4.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $142/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $161/mo |
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Travelers is the best car insurance company in New York for drivers who want flexibility and customization when picking a car insurance policy. It offers affordable rates, a dozen car insurance discounts, bundling options, and numerous additional coverage types.
Notably, it has many local offices throughout the state for drivers who prefer in-person support. While it’s not the cheapest insurer in New York, it’s still affordable and offers drivers the most flexibility.
Many local agents in New York
One of the highest ratings in the J.D. Power U.S. Auto Insurance Study
AM Best financial strength rating of A++ (Superior) AM Best rating
Above-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Not the cheapest insurer in New York
Low Trustpilot rating of 1.5 out of 5 stars
Though the average cost of New York car insurance dropped by 13% in 2025, the state still has some of the most expensive car insurance costs in the U.S. The average driver pays $2,041 per year for full coverage, which breaks down to about $170 per month. Insurify projects a slight 0.7% cost increase by the end of 2026.
New York’s average car insurance costs are high for a few different reasons, including its no-fault car insurance system and a high frequency of no-fault insurance fraud. For example, New York auto insurers reported nearly 44,000 suspected motor vehicle fraud cases in 2025. This prompts insurers to increase costs to keep up.[3]
Check out the table below to see how average car insurance costs in New York have changed in the last five years.
Liability quotes start at $117/mo.
New York is a no-fault state for car insurance, meaning each driver’s insurance will pay for their respective damages, regardless of fault. In New York, every driver must purchase a minimum amount of car insurance in New York before getting behind the wheel.[4]
Here are the minimum car insurance requirements in New York you’ll need to buy.
Coverage Type | Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person ($50,000 for death) / $50,000 per accident ($100,000 for two or more deaths) |
| Property damage liability | $10,000 per accident |
| Personal injury protection | Up to $50,000 per person |
| Uninsured motorist | Equal to bodily injury liability requirements |
Car insurance rates can vary drastically across New York cities due to location-based risk factors. For example, drivers in New York City pay much more, on average, than drivers in Ithaca due to its much higher population density, which can increase traffic congestion and the likelihood of car accidents.
Take a look at the table below to see how overall car insurance rates vary across New York cities.
City | Average Monthly Quote |
|---|---|
| Binghamton | $105 |
| Bronx | $335 |
| Brooklyn | $311 |
| Buffalo | $184 |
| Long Island | $270 |
| New York City | $247 |
| Rochester | $118 |
| Schenectady | $113 |
| Staten Island | $210 |
| Syracuse | $142 |
| Yonkers | $253 |
In New York, drivers with a clean driving record will almost always pay the lowest car insurance rates, as insurers have fewer reasons to expect risk from them. Erie offers the cheapest car insurance rates for drivers with clean records in New York, with an average monthly rate of $117 for a liability policy.
Below, you can see the cheapest liability rates for drivers with good credit and clean records in New York.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $106 |
| USAA | $115 |
| Travelers | $132 |
| State Farm | $156 |
| Nationwide | $164 |
| Allstate | $170 |
| GEICO | $181 |
| Progressive | $291 |
| Chubb | $291 |
| Bristol West | $395 |
| 21st Century | $487 |
Only 3.42% of drivers in New York have a speeding ticket on their record, according to Insurify data. In New York, tickets earn different numbers of points, depending on the severity of the infraction. If you accumulate 11 points in 24 months, the state may suspend your license.[5] Drivers with even one speeding ticket are more likely to pay higher rates in New York.
In the table below, you can see the cheapest liability-insurance rates for drivers with a speeding ticket in New York.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $158 |
| USAA | $161 |
| Travelers | $188 |
| State Farm | $216 |
| Allstate | $233 |
| Nationwide | $236 |
| GEICO | $250 |
| Progressive | $390 |
| Chubb | $422 |
| Bristol West | $534 |
| 21st Century | $688 |
In New York, Insurify data shows that a little less than 5% of drivers have an at-fault accident on their record. New York City alone had 6,291 accidents reported in February 2026.
Drivers with at-fault accidents pay a monthly average of $215 for liability policies.
Check out the table below for the cheapest liability-only rates for drivers with an at-fault accident in New York.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $162 |
| USAA | $170 |
| Travelers | $199 |
| State Farm | $230 |
| Allstate | $244 |
| Nationwide | $249 |
| GEICO | $253 |
| Progressive | $426 |
| Chubb | $448 |
| Bristol West | $568 |
| 21st Century | $722 |
Only 0.68% of drivers in New York have a driving under the influence (DUI) conviction, according to Insurify data. A DUI will always result in much higher auto insurance rates, as insurers consider this one of the most dangerous and risky driving infractions.
In New York, you’ll face license suspension immediately after a DUI, and some insurers may even refuse to renew your coverage.[6]
Compare the cheapest liability car insurance rates for drivers with a DUI in New York in the table below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $189 |
| USAA | $198 |
| Travelers | $230 |
| State Farm | $271 |
| Allstate | $284 |
| Nationwide | $289 |
| GEICO | $300 |
| Progressive | $524 |
| Chubb | $527 |
| Bristol West | $673 |
| 21st Century | $786 |
Insurify partners with 120+ auto insurers for real quotes
Teen drivers pay the highest car insurance rates of any age group in New York, due to their high-risk profile. Insurers know teen drivers are more likely to file claims and increase their rates to account for that added risk. In fact, roughly 20% of all crashes in New York state involve teen drivers.[7] But some insurers still offer reasonable rates.
Here are the cheapest liability car insurance rates for teen drivers in New York.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $200 |
| USAA | $211 |
| Travelers | $278 |
| State Farm | $304 |
| GEICO | $312 |
| Allstate | $326 |
| Nationwide | $327 |
| Progressive | $470 |
| Chubb | $634 |
| Bristol West | $691 |
| 21st Century | $862 |
In New York, drivers aged 65 and older account for only 11% of accidents.[8] But age-related risks, such as vision problems and slowed reaction time, can prompt insurers to slightly increase rates for senior drivers.
Senior drivers pay some of the cheapest rates in New York due to having decades of driving experience. Erie offers the cheapest rate for senior drivers, followed by USAA and Travelers.
Below, you can see the cheapest liability car insurance companies for senior drivers in New York.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $80 |
| USAA | $89 |
| Travelers | $102 |
| State Farm | $117 |
| Nationwide | $121 |
| Allstate | $128 |
| GEICO | $133 |
| Progressive | $208 |
| Chubb | $219 |
| Bristol West | $311 |
| 21st Century | $360 |
New York state law allows auto insurance companies to consider your credit history as part of a credit-based insurance score when determining your car insurance premiums.
Poor credit can lead to higher rates, as insurers view it as an indicator of risk. But you can still find affordable car insurance from plenty of insurance companies with a less-than-perfect credit history.
Here are the cheapest liability insurance rates for drivers with bad credit in New York.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $142 |
| Erie | $164 |
| Travelers | $167 |
| Allstate | $206 |
| Nationwide | $209 |
| GEICO | $220 |
| State Farm | $231 |
| Progressive | $339 |
| Bristol West | $487 |
| Chubb | $502 |
| 21st Century | $601 |
Compare quotes from top auto insurers in minutes
If you’re shopping for a New York car insurance policy, check out these answers to some of the most commonly asked questions.
The minimum auto insurance requirements in New York include $10,000 per accident in property damage, $25,000 per person ($50,000 per death) in bodily injury liability, and $50,000 per accident ($100,000 for two or more deaths) in bodily injury liability.
New York drivers also need up to $50,000 in PIP coverage and uninsured motorist coverage in equal amounts to the required bodily injury liability coverage.
Car insurance in New York costs an average of $150 per month for a liability policy and $170 per month for a full-coverage policy. You can find lower rates by comparing quotes and companies, increasing your deductible, and bundling policies.
Erie has the cheapest car insurance in New York, with an average monthly liability rate of $117. USAA and Travelers are two other affordable car insurance companies to consider in New York.
Car insurance is expensive in New York for several reasons, including its high number of no-fault car insurance claims. It’s also worth noting that New York City’s high car insurance rates make the state’s overall average higher. You’ll likely pay lower rates if you live outside of the city limits.
You can get cheaper car insurance in New York in a number of ways. Comparing car insurance quotes, increasing your deductible, staying accident-free, improving your credit history, and applying for discounts can all help you save.
Yes. New York is a no-fault car insurance state. This means that each driver’s car insurance policy will cover their own bodily injury, regardless of fault.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
)
)
)