Best Cheap Auto Insurance in New York, NY (2021)

The average New York, NY auto insurance rates are $624 per month. The minimum auto insurance in New York is at least 25/50/10 in coverage to comply with New York auto insurance laws. To find the best cheap auto insurance in New York, New York, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The cheapest auto insurance company in New York is GEICO
  • The average commute length in New York is 41.5 minutes
  • The most expensive auto insurance company in New York for teen drivers is Liberty Mutual

New York, New York auto insurance requirements are 25/50/10 according to New York auto insurance laws. Finding cheap auto insurance in New York can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in New York, New York, including driving record, credit, commute time, and more.

Compare auto insurance in New York to other New York cities, including New Rochelle auto insurance rates, Buffalo auto insurance rates, and Schenectady auto insurance rates to see how New York, New York auto insurance rates stack up.

Before you buy New York, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free New York, New York auto insurance quotes.

Minimum Auto Insurance in New York, New York

New York, New York auto insurance laws require that you have at least the New York minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in New York, New York.

Minimum Required Auto Insurance Coverage in New York, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap New York, New York Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in New York, New York are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in New York, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,704 $5,227 $5,465 $5,511 $17,126 $18,078 $5,331 $5,239
GEICO $2,738 $2,636 $2,635 $2,596 $5,647 $8,725 $2,451 $2,516
Liberty Mutual $9,422 $9,422 $8,768 $8,768 $18,426 $26,711 $9,422 $10,014
Nationwide $5,404 $5,404 $5,078 $5,078 $9,898 $14,953 $5,404 $7,001
Progressive $3,848 $3,448 $2,963 $3,046 $12,506 $13,482 $4,769 $4,393
State Farm $4,423 $4,423 $3,887 $3,887 $12,907 $15,779 $4,890 $5,096
Travelers $6,228 $6,009 $5,598 $5,812 $13,807 $16,071 $6,423 $6,449
USAA $3,388 $3,341 $3,057 $3,082 $13,589 $16,182 $4,388 $4,886

Cheap New York, New York Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in New York, New York is a challenge. Take a look at the annual teen auto insurance rates in New York, New York.

Annual Auto Insurance Rates for Teen Drivers in New York, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $17,126 $18,078
GEICO $5,647 $8,725
Liberty Mutual $18,426 $26,711
Nationwide $9,898 $14,953
Progressive $12,506 $13,482
State Farm $12,907 $15,779
Travelers $13,807 $16,071
USAA $13,589 $16,182

Cheap New York, New York Auto Insurance for Seniors

What are senior auto insurance rates in New York, New York? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in New York, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,465 $5,511
GEICO $2,635 $2,596
Liberty Mutual $8,768 $8,768
Nationwide $5,078 $5,078
Progressive $2,963 $3,046
State Farm $3,887 $3,887
Travelers $5,598 $5,812
USAA $3,057 $3,082

Cheap New York, New York Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in New York, New York compared to the annual auto insurance rates with a clean record in New York, New York.

Annual New York, New York Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,089 $7,089 $10,588 $9,074
GEICO $2,884 $3,147 $6,058 $2,884
Liberty Mutual $9,912 $9,912 $20,739 $9,912
Nationwide $5,462 $5,462 $12,589 $5,596
Progressive $5,876 $5,876 $6,554 $5,921
State Farm $6,565 $6,565 $7,258 $7,258
Travelers $7,046 $8,901 $9,009 $8,243
USAA $5,809 $5,901 $8,345 $5,901

Cheap New York, New York Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in New York, New York is not easy. Compare the annual rates for DUI auto insurance in New York, New York to find the best deal.

Annual Auto Insurance Rates After a DUI in New York, New York

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $10,588
GEICO $6,058
Liberty Mutual $20,739
Nationwide $12,589
Progressive $6,554
State Farm $7,258
Travelers $9,009
USAA $8,345

Cheap New York, New York Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how New York, New York annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in New York, New York

Insurance Company Poor Fair Good
Allstate $12,550 $6,976 $5,854
GEICO $4,689 $3,446 $3,093
Liberty Mutual $17,715 $11,537 $8,605
Nationwide $7,277 $7,277 $7,277
Progressive $10,007 $4,765 $3,399
State Farm $9,751 $6,121 $4,862
Travelers $11,944 $7,025 $5,930
USAA $10,046 $5,017 $4,404

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Cheap New York, New York Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in New York, New York can vary. Compare the annual cost of auto insurance by ZIP code in New York, New York to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in New York, New York

ZIP Code Average Annual Rates
10001 $6,188
10002 $6,283
10003 $6,103
10004 $6,132
10005 $6,151
10006 $6,151
10007 $6,153
10009 $6,283
10010 $5,847
10011 $6,061
10012 $6,105
10013 $6,074
10014 $6,076
10016 $5,843
10017 $5,830
10018 $6,188
10019 $5,828
10020 $5,857
10021 $5,784
10022 $5,828
10023 $5,781
10024 $5,794
10025 $6,474
10026 $6,865
10027 $6,869
10028 $5,819
10029 $6,446
10030 $7,278
10031 $7,278
10032 $7,308
10033 $7,309
10034 $7,409
10035 $7,184
10036 $5,828
10037 $7,283
10038 $6,197
10039 $7,305
10040 $7,301
10041 $7,094
10044 $6,480
10045 $6,467
10055 $6,361
10060 $7,241
10065 $6,286
10069 $6,500
10075 $5,927
10090 $7,241
10095 $7,241
10103 $6,361
10104 $6,361
10105 $6,361
10106 $6,361
10107 $6,361
10110 $6,467
10111 $6,361
10112 $6,361
10115 $6,527
10118 $6,585
10119 $6,682
10120 $6,682
10121 $6,682
10122 $6,682
10123 $6,682
10128 $5,925
10151 $6,444
10152 $6,444
10153 $6,437
10154 $6,437
10155 $6,437
10158 $6,445
10161 $6,412
10162 $6,003
10165 $6,437
10166 $6,437
10167 $6,437
10168 $6,222
10169 $6,222
10170 $6,222
10171 $6,222
10172 $6,229
10173 $6,222
10174 $6,222
10175 $6,222
10176 $6,222
10177 $6,222
10178 $6,229
10199 $6,305
10270 $6,503
10271 $6,503
10278 $6,503
10279 $6,503
10280 $6,147
10281 $6,524
10282 $6,456
10301 $6,855
10302 $6,898
10303 $6,895
10304 $6,911
10305 $6,911
10306 $6,920
10307 $6,853
10308 $6,876
10309 $6,854
10310 $6,857
10312 $6,858
10314 $6,850
10451 $9,063
10452 $9,098
10453 $8,813
10454 $9,117
10455 $9,159
10456 $9,212
10457 $9,077
10458 $8,211
10459 $8,874
10460 $8,560
10461 $7,920
10462 $8,074
10463 $7,921
10464 $7,291
10465 $7,634
10466 $8,166
10467 $8,147
10468 $8,244
10469 $8,114
10470 $7,318
10471 $7,158
10472 $8,362
10473 $8,001
10474 $9,115
10475 $7,971
11005 $7,733
11201 $8,502
11203 $10,096
11204 $9,109
11205 $9,309
11206 $9,874
11207 $10,476
11208 $10,055
11209 $8,557
11210 $9,542
11211 $9,245
11212 $10,577
11213 $10,499
11214 $9,155
11215 $8,722
11216 $10,296
11217 $8,619
11218 $9,063
11219 $9,088
11220 $8,605
11221 $10,297
11222 $8,972
11223 $9,358
11224 $9,253
11225 $10,298
11226 $9,747
11228 $8,659
11229 $9,292
11230 $9,337
11231 $8,496
11232 $8,910
11233 $10,546
11234 $9,633
11235 $9,567
11236 $10,081
11237 $9,532
11238 $9,442
11239 $10,214
11426 $7,744

Cheap New York, New York Auto Insurance Rates By Commute

Commute length and annual mileage affect New York, New York auto insurance. Find the cheapest annual New York, New York auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in New York, New York

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $8,338 $8,582
GEICO $3,646 $3,840
Liberty Mutual $12,252 $12,986
Nationwide $7,277 $7,277
Progressive $6,057 $6,057
State Farm $6,650 $7,174
Travelers $8,300 $8,300
USAA $6,422 $6,556

Cheap New York, New York Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in New York, New York? Check out the comparison of annual New York, New York auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in New York, New York

Insurance Company Low Medium High
Allstate $7,335 $8,379 $9,666
GEICO $3,473 $3,707 $4,049
Liberty Mutual $11,976 $12,585 $13,297
Nationwide $6,693 $7,185 $7,954
Progressive $5,636 $5,996 $6,539
State Farm $6,473 $6,958 $7,304
Travelers $7,669 $8,153 $9,077
USAA $6,267 $6,447 $6,753

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Best By Category: Cheapest Auto Insurance in New York, New York

Compare the cheapest auto insurance companies in New York, New York in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in New York, New York

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

The Cheapest New York, New York Auto Insurance Companies

What auto insurance companies in New York, New York are the cheapest? Compare the top New York, New York auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in New York, New York

Insurance Company Average Annual Rates
Allstate $8,460
GEICO $3,743
Liberty Mutual $12,619
Nationwide $7,277
Progressive $6,057
State Farm $6,912
Travelers $8,300
USAA $6,489

What affects auto insurance rates in New York, New York?

There are a lot of reasons why auto insurance rates in New York, New York are higher or lower than in other cities. These include traffic and the number of vehicle thefts in New York, New York. Many local factors may affect your New York auto insurance rates.

New York Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average New York, New York commute length is 41.5 minutes according to City-Data.

New York Traffic

How does New York, New York rank for traffic? According to Inrix New York, New York is the 3rd most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Compare New York, New York Auto Insurance Quotes

Before you buy New York, New York auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free New York, New York auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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