New York Auto Insurance (2023)

You’ll likely see high coverage rates if you’re searching for car insurance quotes in New York. New York is an expensive state to buy car insurance in, and many people are surprised by this if they move to New York from a different state.

Still, you could find affordable auto insurance rates in New York, but remember that full coverage auto insurance policies are more expensive than a minimum coverage option with virtually any company.

You can find and compare quotes for New York auto insurance from several companies. You’ll likely receive different rates from each one, as several factors affect auto insurance rates, like ZIP code, driving history, and credit score.

One of the best ways to get cheap auto insurance in New York is to purchase a minimum coverage policy. With minimum coverage, you can meet all the insurance requirements in New York while saving money.

Which company sells the cheapest auto insurance policy in New York?

Countless companies in New York sell minimum coverage policies. However, to find the best price, you’ll need to shop online and compare quotes from multiple companies at once.

On average, Progressive sells the cheapest minimum coverage in New York, offering a policy for around $732 annually or $61 per month. This rate is 33% lower than the average rate for New York car insurance. Check out our Progressive auto insurance review for more information.

Top Auto Insurance Companies Average Monthly Minimum Coverage Rates

Insurance Company	Average Minimum Coverage Rates
Allstate	$61
American Family	$44
Farmers	$53
Geico	$31
Liberty Mutual	$68
Nationwide	$44
Progressive	$39
State Farm	$33
Travelers	$37
Average	$45
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Geico is the next cheapest coverage option in New York if you’re considering a minimum coverage policy. With Geico, you’ll pay $976 annually or $81 each month for a liability-only policy. You can read our Geico auto insurance review for more information.

State Farm offers minimum coverage for $1,011 annually or $84 per month, and Travelers offers coverage in the state for $1,457 each year or $121 per month. Allstate charges the most for a minimum coverage policy. A liability-only policy with Allstate costs $1,638 annually or $137 per month.

Should I get a liability-only policy in New York?

While minimum coverage policies can help you save on coverage, buying liability-only auto insurance may not be the best idea.

If you have a new car or drive a relatively expensive car, consider purchasing more than a minimum coverage policy for added protection. Minimum coverage only pays for other peoples’ vehicle damages and medical bills up to a certain limit.

Without additional coverage, you and your vehicle have no protection after an at-fault accident. Instead, you’d have to pay for medical bills, doctor visits, and car repairs out of pocket.

If you have a vehicle loan or lease, your lender may require you to carry more than a liability-only policy — you’ll most likely need to purchase a full coverage policy in New York. However, even if it’s not required, purchasing a full coverage policy may be the best idea for you and your family.

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Can I get cheap full coverage auto insurance in New York?

A full coverage auto insurance policy costs more than minimum coverage with any company. Full coverage offers additional protection, meaning they can cost up to three times as much as a liability-only policy.

In New York, the cheapest option for full coverage is Progressive. Progressive offers full coverage car insurance in New York for $1,460 annually or around $122 each month, double the cost of a minimum coverage policy with the same company.

Average Monthly Full Coverage Auto Insurance Rates for the Top U.S. Auto Insurance Companies

Insurance Company	Availability	Average Monthly Rates	Higher/Lower Than National Average
Allstate	All 50 States and D.C.	$161	(Higher)
American Family	19 States	$116	(Lower)
Farmers	All 50 States and D.C.	$139	(Higher)
Geico	All 50 States and D.C.	$80	(Lower)
Liberty Mutual	All 50 States and D.C.	$172	(Higher)
Nationwide	46 States and D.C.	$114	(Lower)
Progressive	All 50 States and D.C.	$108	(Higher)
State Farm	All 50 States and D.C.	$85.97	(Lower)
Travelers	42 States and D.C.	$98.85	(Lower)
USAA (Military and Family Members)	All 50 States and D.C.	$58.63	(Lower)
Get Your Rates Quote Now				#blank#	#blank#	#blank#

Erie offers the cheapest full coverage car insurance after Progressive. The company charges around $1,633 annually or $136 monthly for full coverage. You can check out our Erie auto insurance review for more information. After Erie, the cheapest option for full coverage comes from Geico. An annual full coverage policy with Geico costs $1,746 annually or $146 per month.

A full coverage policy with Travelers costs around $2,084 annually or $174 each month. Allstate charges around $2,416 annually or $201 per month for similar coverage.

The most expensive option for a full coverage car insurance policy in New York is State Farm. With State Farm, you’ll pay around $2,482 annually or $207 per month for a full coverage car insurance policy.

Do I need full coverage auto insurance in New York?

As stated earlier, you may have to buy a full coverage policy if you have a loan or lease on your vehicle. Still, even if you don’t, spending the extra money and being better protected behind the wheel could be beneficial.

With a full coverage auto insurance policy, you’ll have collision auto insurance and comprehensive auto insurance in New York. With collision coverage, your car insurance pays for vehicle repairs if it gets damaged in an accident. Collision coverage covers auto repairs after a covered event, regardless of fault.

A comprehensive insurance policy pays for vehicle repairs if it gets damaged by something other than an accident. For example, some of the most common comprehensive car insurance claims occur when a vehicle gets damaged by inclement weather, vandalism, or wild animals.

You may find full coverage car insurance in New York is too expensive. If that’s the case, but you still want or need a full coverage policy, your best bet is to shop online and compare coverage rates. Doing so can help you find the full coverage you need and avoid overpaying.

Can I get cheap auto insurance if I have New York traffic violations?

If you have traffic violations on your driving record, your auto insurance in New York will probably cost more. Insurance companies consider a person’s driving record when setting car insurance rates. You’ll likely pay higher-than-average car insurance rates with blemishes on your record since you’re a higher risk to insure.

Some of the most common traffic violations in New York include:

• Speeding
• Distracted driving (cell phone use while driving)
• DUI conviction
• At-fault accident
• Driving in the wrong direction
• Failure to yield or signal
• Failure to stop for a school bus
• Following too closely

Each of the above infractions is a big deal — speeding or distracted driving could put you and others at risk. As a result, car insurance companies will charge you more for coverage.

A traffic violation in New York can stay on your driving record for three to five years. So eventually, your driving record could be blemish-free, allowing you to find more affordable car insurance rates.

Certain infractions, like a DUI, can stay on your record longer than others. So it’s a good idea to find and compare rates from multiple companies at least once a year to see if you can get cheaper coverage with another company.

As you wait for your car insurance rates to improve with infractions and violations on your record, you can do some things to lower your rates with some companies.

Certain auto insurance companies allow policyholders to take defensive driving courses or safe driving courses to lower their rates. Once you pass the course, your insurance company takes a certain percentage or a certain amount off your monthly or annual rates.

You may also be eligible for certain car insurance discounts that help lower your rates. If you are eligible for a discount, you can contact your insurance company to ask how much that discount could help you save on coverage. 

Can I get cheap auto insurance in New York with speeding tickets? 

Speeding tickets affect your auto insurance rates. If you have a speeding ticket on your driving record, you’ll pay around 15% more for auto insurance on average. Still, shopping and comparing quotes from multiple companies should help you find more affordable rates.

Progressive offers the cheapest car insurance in New York. The company charges $1,384 annually or $115 per month for car insurance if you have one or more speeding tickets on your driving record.

Average Monthly U.S. Full Coverage Auto Insurance Rates With a Ticket

Insurance Company	Rates with a Ticket	Rates with a Clean Record
Allstate	$195	$166
American Family	$131	$116
Farmers	$176	$140
Liberty Mutual	$217	$177
U.S. Average	$152	$123
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State Farm auto insurance offers the next cheapest option for coverage. With State Farm, you’ll pay $2,018 annually or $168 per month for coverage. With Geico, you’ll pay around $2,724 annually or $227 per month for car insurance with a speeding ticket on your driving record.

Travelers is the next cheapest option. With Travelers auto insurance, you can expect to pay close to $3,247 annually or $270 each month for car insurance. The most expensive coverage option in New York with a speeding ticket on your auto insurance record is Allstate, which charges $3,710 annually or $309 monthly for coverage.

As your driving record improves, you’ll be able to find more affordable car insurance in your area. You could also take a safe driving or defensive driving course and lower your rates with certain companies.

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How much is auto insurance in New York after an accident?

If you were in a car accident in New York that was someone else’s fault, your car insurance rates shouldn’t go up. On the other hand, your rates could increase significantly if you need auto insurance after an at-fault accident.

On average, one at-fault accident on your driving record will raise your rates by nearly $600 annually. However, finding and comparing quotes from multiple insurance companies can help you save money on your coverage.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with an Accident

Insurance Company	Rates with an Accident	Rates with a Clean Record
Allstate	$225	$160
American Family	$176	$117
Average	$172	$120
Farmers	$198	$139
Geico	$132	$80
Liberty Mutual	$234	$173
Nationwide	$161	$115
Progressive	$186	$105
State Farm	$102	$86
Travelers	$139	$99
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Progressive once again offers the cheapest auto insurance rates in this category. With Progressive, you’ll pay $1,924 annually or $160 each month for auto insurance coverage if you have an at-fault accident on your driving record.

Travelers offers the next cheapest option. With Travelers, you’ll pay around $2,462 annually or $205 each month for auto insurance coverage. Geico offers coverage to people with an accident on their record for $2,471 annually or $206 per month.

Erie’s auto insurance coverage will cost around $2,474 annually or $206 each month if you have an at-fault accident on your record. As you can see, Travelers, Geico, and Erie all charge extremely similar rates on average.

With Allstate, you’ll pay $3,259 annually or $272 each month for car insurance. However, State Farm charges the most for this demographic, clocking in at $3,378 annually or $282 a month for coverage with an at-fault accident.

Like speeding tickets, an at-fault car accident will eventually drop off your driving record. When it does, you should be able to find more affordable rates with certain companies. 

How much is car insurance in New York after a DUI?

If you receive a DUI conviction, you may have to pay a fine, attend specific courses, or serve jail time.

Insurance companies see a DUI as a serious conviction, and anyone with a DUI on their driving record poses a significant risk to an insurance company. For example, if you need auto insurance with a DUI on your record in New York, you could pay 88% more for your auto insurance coverage.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with a DUI

Insurance Company	Rates with a DUI	Rates with a Clean Record
State Farm	$112	$86
Progressive	$140	$105
Farmers	$192	$139
American Family	$194	$117
Travelers	$206	$99
Geico	$216	$80
Nationwide	$234	$115
Allstate	$270	$160
Liberty Mutual	$313	$173
Average	$209	$120
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With Progressive, you’ll pay around $1,501 annually for a minimum coverage policy with a DUI on your record, equating to $125 each month. Travelers charges the next cheapest rates. With Travelers, you’ll pay around $2,469 annually or $206 per month for auto insurance. 

Erie auto insurance after a DUI conviction costs around $2,707 annually or $226 each month. Allstate auto insurance offers minimum car insurance coverage to people with a DUI on their driving record for $3,110 annually or $259 monthly.

With Geico, you’ll pay $3,935 annually or $328 per month for car insurance. State Farm charges around $4,248 annually or $354 each month for auto insurance with a DUI.

How long will a DUI impact my rates?

A DUI can stay on your driving record for up to 15 years if you live in New York. So, a DUI can impact your car insurance rates and coverage options for over a decade.

Consequently, your best bet is to find and compare car insurance rates from multiple companies at least once annually. You may find that rates become more reasonable as your DUI ages, even if it stays on your driving record for 15 years.

Some insurance companies may also allow you to take safe or defensive driving courses to lower your rates after a specific period.

Does credit score impact New York auto insurance rates?

Cheap car insurance in New York is an option for some people, but you probably won’t get cheap insurance in New York if you have bad credit. 

Unfortunately, your credit score impacts your car insurance costs. Studies show that people with low credit scores are more likely to file car insurance claims. So, many insurance companies automatically charge higher rates when people have bad credit.

Still, you may be able to find cheap insurance with one of the best auto insurance companies for bad credit.

Average Monthly Full Coverage Auto Insurance Rates by Credit Rating

Insurance Company	Rates with Poor Credit	Rates with Fair Credit	Rates with Good Credit
American Family	$203	$136	$116
Average	$226	$148	$123
Farmers	$269	$161	$140
Geico	$148	$100	$82
Liberty Mutual	$355	$226	$177
Nationwide	$166	$133	$120
Progressive	$206	$138	$109
State Farm	$200	$118	$91
Travelers	$194	$128	$107
USAA	$129	$76	$63
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Geico offers the most affordable car insurance for people with bad credit. The company’s average rates are around $2,719 annually or $227 per month for coverage. State Farm is the next cheapest option. With State Farm, you can expect to pay around $3,432 a year or $286 monthly for car insurance.

Allstate’s rates are much more expensive. For example, with Allstate, you’ll pay $4,176 annually or $348 per month for car insurance. Travelers charges around $5,076 annually or $473 per month for similar coverage.

Progressive’s car insurance rates are the most expensive for people with bad credit. If you’re a Progressive auto insurance policyholder, you’ll pay around $8,090 annually or $674 each month for car insurance.

How can I find cheaper auto insurance in New York with bad credit?

Your insurance rates will be higher if you have bad credit, but you may be able to find cheaper rates as you lower your credit score. 

Over time, paying off your debt could help your credit score improve. As it does, you’ll likely pay less for car insurance coverage. Shop online and compare rates at least once a year to find the most affordable auto insurance coverage rates. 

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How much is auto insurance for teens in New York?

If you’re a teen driver, you could pay up to four times as much for coverage as someone in their mid-30s with a clean driving record. 

Teens pose a risk to insurance companies due to their lack of experience, so auto insurance for teens and young drivers is usually expensive. For example, if you’re a teen driver, you’ll pay around $7,305 annually or $609 each month for car insurance, much more than a standard policy for older drivers.

Average Monthly Auto Insurance Rates for Teenagers by Gender

Auto insurance rates are based on 16- and 18-year-old drivers with clean driving records.

Insurance Company	16-Year-Old Male ▲	16-Year-Old Female	18-Year-Old Male	18-Year-Old Female
Geico	$312	$298	$254	$220
State Farm	$349	$311	$284	$229
Nationwide	$476	$411	$387	$303
American Family	$509	$414	$414	$305
U.S. Average	$618	$566	$501	$416
Allstate	$638	$608	$519	$448
Farmers	$773	$810	$629	$597
Liberty Mutual	$785	$723	$626	$522
Progressive	$814	$801	$662	$591
Travelers	$910	$719	$740	$530
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As you age, your rates improve if you keep your driving record clean. However, you could find competitive coverage rates if you add yourself to a parent’s insurance policy.

How much does my ZIP code impact my auto insurance rates?

Believe it or not, your location significantly impacts your car insurance rates. For example, rural areas in New York often see more affordable auto insurance rates, whereas larger cities, like Manhattan, offer extremely expensive auto insurance coverage.

The cheapest car insurance in New York is in Horseheads North, while auto insurance in Brooklyn, NY is the most expensive.

The average auto insurance rate in Rochester, NY is much lower than the average rate of auto insurance in New York City. So while you’ll pay just $1,567 annually or $131 per month for auto insurance in Rochester, you’ll pay $4,545 annually or $379 monthly in New York City.

Do I have to get auto insurance in New York?

Car insurance is mandatory in New York. You must purchase the state’s minimum required coverage to drive legally. In New York, you must carry the following coverages before getting behind the wheel:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $10,000 in property damage liability
• $25,000 in uninsured/underinsured motorist coverage per person
• $50,000 in uninsured/underinsured motorist coverage per accident
• $50,000 in personal injury protection coverage per accident

In addition to the mandatory coverages listed above, there are multiple add-on coverages New York drivers can purchase for more protection, including:

• Comprehensive insurance. Comprehensive coverage pays if your car is damaged by something other than an accident. 
• Collision insurance. Collision insurance covers you if you’re in an accident and your vehicle is damaged.
• Loan/lease payoff. This coverage could pay the difference between your car’s worth and how much you owe on your loan or lease if the vehicle is totaled in a covered event. 
• Medical payments coverage. MedPay coverage helps with medical bills like doctor’s visits and hospital bills.
• Rental car reimbursement. If you have to rent a car because yours is in the shop after a covered event, your insurance company will pay you back for the money you spent on a rental car.
• Roadside assistance. This coverage helps if you’re stranded and in need of help with a flat tire, fuel services, lockout services, or a tow. 
• Supplemental uninsured/underinsured motorist bodily injury. This helps if you’re in an accident with someone who doesn’t have proper insurance. 
• Additional personal injury protection. You can increase your limits of PIP to avoid any issues if you’re in an accident. 
• Optional basic economic loss. This coverage helps you make the money you’ve missed out on if you cannot work after a car accident. The limits of your economic loss coverage will vary based on your insurance company.

You can purchase a full coverage policy for added protection if you live and drive in New York. Full coverage protects you in several scenarios, including accidents, theft, vandalism, and inclement weather.

A policy including comprehensive and collision coverage in New York costs around $1,456 annually or $121 each month for coverage if you have a $1,000 deductible. With a $500 deductible, you’ll pay even more for full coverage.

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What is SR-22 coverage in New York?

If you have certain infractions, you may be required to file an SR-22 with the state. An SR-22 is a formal document proving you have financial responsibility in the event of an accident. For example, the state may require SR-22 auto insurance if you get a DUI, cause multiple car accidents, have multiple traffic violations on your record, or neglect to pay child support.

Anyone currently insured should check with their existing auto insurance company to see if the company will file an SR-22 form on their behalf. If you have to shop for SR-22 coverage, expect to pay higher-than-average rates, as you’ll pose a significant risk to most companies.

Cheap Auto Insurance in New York: The Bottom Line

Finding the cheapest car insurance in New York will take some work, but it’s possible to find coverage costing much less than the statewide average. You’ll never know which company will offer you the cheapest insurance in New York until you compare quotes from multiple companies at once.

While Progressive offers the cheapest average rates in the state, it may not be the best car insurance in New York for a person with bad credit. So as you shop online and compare quotes, take your time and avoid rushing into a decision.

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