How much is car insurance in NY?

The amount you pay for car insurance in New York will depend on your car, driving record, and where you live. GEICO, Progressive, and USAA consistently offer the most affordable car insurance rates in New York.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Car insurance rates in New York are highly dependent on the city or area in which you live
  • Cities like Brooklyn tend to be more expensive for auto insurance than towns like Corning
  • GEICO, Progressive, and USAA offer the most affordable car insurance rates in New York

Auto insurance rates can vary across the United States. If you’re a New York resident, you’ll want to have clear expectations as to how much car insurance is in New York. Inexpensive auto insurance isn’t always the best idea, although most people wouldn’t decline saving on auto insurance.

This article will highlight popular car insurance companies in New York, how much auto insurance costs in NY, and how prices in New York compare to other states.

If you’re seeking the most affordable car insurance in New York, you’ll want to acquire quotes from multiple companies. Begin comparing free quotes today by entering your ZIP code above.

How much is car insurance in NY?

Car insurance varies by state. This isn’t merely limited to the rates; rather, the minimum coverage requirements, legal driving age, inspection requirements, and more can differ between states. New York is one of the largest and busiest states in the country, so you can expect some dissimilarities compared to rural southern states like Kentucky.

When it involves rates, different regions of the same state can also anticipate drastically varied car insurance rates. Many people fail to realize that New York is one of the largest states and that Manhattan and the surrounding cities are actually a very small part of the state’s geographics.

Of course, car insurance rates will also vary depending on other factors such as your age, gender, driving record, vehicle, and the amount of coverage you’re seeking. In New York, you’ll have the following minimum car insurance requirements, according to the New York Department of Motor Vehicles:

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

However, these are merely the minimum requirements. If you are leasing a car or have an outstanding loan on one, you may have different minimums established by the lender that tend to exceed the minimums set by the state. If you aren’t certain, you should determine how much car insurance you need before you begin comparing quotes.

How much will I pay for car insurance in New York?

As mentioned previously, car insurance rates can vary drastically from one region of the state to another. Auto insurance rates revolve around risk and there is a higher level of risk associated with densely populated areas. New York contains some of the most populous and busy cities, but it also boasts an abundance of farmland.

Listed below are some of the most expensive areas for car insurance in New York and an explanation of how those rates can also change by selecting the right company.

Top 10 Most Expensive Car Insurance Rates in New York by City and Company
CityAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Brooklyn$9,347.06 Liberty Mutual$17,558.88 State Farm$10,797.26 GEICO$3,940.28 Progressive$6,859.27
Saint Albans$9,000.94 Liberty Mutual$12,883.56 Travelers$10,495.31 GEICO$5,686.55 USAA$7,089.23
Rosedale$8,885.68 Liberty Mutual$12,883.56 State Farm$9,995.10 GEICO$5,287.14 USAA$7,089.23
South Ozone Park$8,881.66 Liberty Mutual$12,883.56 Travelers$10,607.53 GEICO$5,686.55 USAA$7,089.23
Springfield Gardens$8,874.63 Liberty Mutual$12,883.56 State Farm$9,906.69 GEICO$5,287.14 USAA$7,089.23
South Richmond Hill$8,831.46 Liberty Mutual$12,883.56 Travelers$10,607.53 GEICO$5,287.14 USAA$7,089.23
Jamaica$8,826.92 Liberty Mutual$12,883.56 Travelers$10,241.08 GEICO$5,386.99 USAA$7,089.23
Arverne$8,802.18 Liberty Mutual$12,883.56 State Farm$9,799.24 GEICO$5,287.14 USAA$7,089.23
Woodhaven$8,773.94 Liberty Mutual$12,883.56 Travelers$10,302.35 GEICO$5,096.98 USAA$7,089.23
Howard Beach$8,739.15 Liberty Mutual$12,883.56 Travelers$9,817.66 GEICO$5,287.14 USAA$7,089.23
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You’ll notice above that car insurance in some New York areas can cost in excess of $10,000 per year or over $800 per month. For those that live in places like Brooklyn, this could be good motivation to rely on public transportation. Some of the common car insurance companies that cover these areas include:

  • State Farm
  • Liberty Mutual
  • Travelers
  • Progressive
  • USAA

USAA was consistently the most affordable option in these areas; however, you are only eligible for USAA insurance if you are associated with the military or are a civil servant. Otherwise, it appears that Progressive could be a reasonable alternative.

The rates above may be intimidating, but again, not all New York cities will be associated with major car insurance expenses like those reflected above. Don’t worry — you can find cheap car insurance in NY, but some cities will be more costly than others. Below, we feature a similar chart that focuses on the cheapest cities in New York.

Top 10 Cheapest Car Insurance Rates in New York by City and Company
CityAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Corning$2,729.58 Liberty Mutual$3,958.87 Allstate$3,194.85 GEICO$1,814.79 Progressive$2,084.94
Big Flats$2,757.50 Liberty Mutual$3,932.34 Allstate$3,194.85 GEICO$1,756.70 Progressive$2,070.62
Coopers Plains$2,761.36 Liberty Mutual$3,958.87 Allstate$3,194.85 GEICO$1,814.79 Progressive$2,367.49
Elmira$2,788.83 Liberty Mutual$3,932.34 Allstate$3,194.85 GEICO$1,756.70 Progressive$2,254.47
Pine City$2,789.24 Liberty Mutual$3,958.87 Allstate$3,194.85 GEICO$1,756.70 Progressive$2,297.44
Wellsburg$2,790.81 Liberty Mutual$3,932.34 Allstate$3,194.85 GEICO$1,756.70 Progressive$2,254.47
Campbell$2,812.93 Liberty Mutual$3,958.87 Allstate$3,317.92 GEICO$1,814.79 Nationwide$2,385.41
Vestal$2,833.83 Liberty Mutual$3,888.71 Allstate$3,268.98 GEICO$2,002.78 Progressive$2,247.71
Breesport$2,873.77 Liberty Mutual$3,932.34 State Farm$3,505.38 GEICO$1,756.70 Nationwide$2,385.41
Kirkwood$2,878.90 Liberty Mutual$3,888.71 Travelers$3,337.03 GEICO$2,002.78 Progressive$2,428.42
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The cities listed above aren’t as well-known as places like Brooklyn or Long Island. You’ll also notice that the rates associated with these areas are significantly lower. Average rates are around $2,800 per year or approximately $233 per month. You could pay $500 a month less for car insurance, depending on where you reside in New York.

Liberty Mutual is still the more expensive option in the cheaper areas. However, Allstate and Nationwide are apparently more prevalent in the more affordable areas of New York.

Which company provides the best car insurance in NY?

As you may notice, there are a handful of popular car insurance companies to choose from in New York. Since there are several variables associated with auto insurance rates, the cheapest car insurance company might be different from one person to the next.

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For many people, the best car insurance will be the cheapest. Below, you can see how some of the top companies compare based on average rates.

Average New York Car Insurance Rates by Company
STATEAllstateGEICOLiberty MutualNationwideProgressiveState FarmTravelersUSAAState Average
New York$4,740.97 $2,428.24 $6,540.73 $4,012.93 $3,771.15 $4,484.58 $4,578.79 $3,761.69 $4,289.89
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As revealed above, you can determine that GEICO, Progressive, and USAA are clearly the most affordable auto insurance options for New York residents. Each of these companies should be considered an option if you want to find the best price. Of the three, J.D. Power ranks these companies in the following order for customer satisfaction:

  • USAA
  • GEICO
  • Progressive

Don’t forget that USAA isn’t available to everyone, so you may need to choose between GEICO and Progressive if you’re looking for the best rate from a quality car insurance company.

At the end of the day, the most effective way to receive the best value on an auto insurance policy is to obtain personalized quotes from multiple companies, each with the same coverage amounts for your vehicle and with your background.

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The Price of Car Insurance in NY: The Bottom Line

Car insurance rates are always subject to change from driver to driver. In New York, car insurance rates can vary drastically from one city to the next. Motorists that live in urban areas could pay rates that exceed $5,000 per year more than those in rural areas.

What is the cost of car insurance for you in NY? The best way to find out is to begin acquiring quotes. Take advantage of our free quote tool below to obtain multiple quotes from the top car insurance companies in New York today.

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