GEICO averages the cheapest overall rates in New York and has the most low-cost state minimum policy. Erie is the cheap with a travel rapidly tag. For military families, USAA could be best. MoneyGeek ranked Travelers as the best company in New York for cost and service quality. Your best option depends on elect coverage and profile .iconribbon best car policy New York


The Cheapest and Best Car Insurance in New York

The Cheapest Car Insurance Companies in New York

If you want a full coverage policy in New York, the following, on average, are the cheapest companies :

  • GEICO: $2,161 per year
  • Erie: $2,302 per year

If you ’ re a veteran or active voice military, USAA has a cheap broad coverage policy at an average price of $ 1,828 per class. In New York, GEICO offers the cheapest, no restriction entire coverage policy, costing approximately 298 % less than The General, the most expensive company in the city at roughly $ 8,598 per year. A full coverage policy has comprehensive and collision insurance. The measure of indebtedness coverage you choose aid determine the annual cost .

Cheapest Car Insurance in New York

Full Coverage 100/300/100

  • ship’s company 100/300/100

    per year

  • 1 .USAA


  • 2 .GEICO


  • 3 .Erie


  • 4 .Allstate


  • 5 .Progressive


  • 6 .State Farm


  • 7 .Nationwide


  • 8 .Travelers


  • 9. New York Central Mutual Fire


  • 10 .Esurance


  • 11 .MetLife


  • 12 .The General


MoneyGeek collected average rates for a 40-year-old male driver in New York with a full coverage policy, as our methodology explains. A entire coverage policy costs more than a minimum coverage policy because of its rate ; it includes indebtedness and comprehensive and collision coverages, which handle damage to your cable car .

  • Comprehensive coverage: to cover non-accident damage and theft
  • Collision coverage: to cover your car repairs in an at-fault accident

For an older car, a full coverage policy may cost more than the car ’ mho value. If therefore, minimum coverage or liability-only policy may be better and cheaper. Loading …

Cheapest Car Insurance in New York for Minimum Coverage

In New York and elsewhere, your car policy price depends on the coverage amount you choose. There is a deviation of roughly $ 1,372 between a minimal liability policy and a full coverage policy with higher liability limits. On modal, a liability-only policy costs $ 2,732 per year, whereas full coverage costs $ 4,103 .

Cheapest Minimum Liability Car Insurance in New York

submit Minimum

  • company State Minimum

    per year

  • 1 .USAA


  • 2 .GEICO


  • 3 .Erie


  • 4 .Allstate


  • 5 .Progressive


  • 6 .State Farm


  • 7 .Nationwide


  • 8. New York Central Mutual Fire


  • 9 .Travelers


  • 10 .Esurance


  • 11 .MetLife


  • 12 .The General


New York requires an car policy policy with at least 25/50 bodily injury, $ 10,000 for property price, 50/100 bodily injury for death, 25/50 uninsured motorist coverage, and PIP coverage of $ 50,000. This minimal coverage policy in New York is budget-friendly, but in an accident, you may pay out of pocket. For example, the other party ’ s checkup bills are $ 70,000, and the policy covers up to $ 50,000, so you pay the rest .

New York Minimum Liability Requirements

  • item description
  • Bodily Injury and Property Damage $ 25,000 per person, $ 50,000 per accident and $ 10,000 for place damage. A more protective charge is 100/300/100 .
  • Uninsured motorist $ 25,000 per person and $ 50,000 per incident. The minimum coverage may not be enough if you ‘re in a good accident .
  • personal Injury Protection $ 50,000 per person .
  • early $ 50,000 liability for death per person. $ 100,000 liability for death per accident .

Cheapest Car Insurance in New York if You Have Driving Violations

If you have a drive irreverence, like a DUI, speeding slate or at-fault accident, it significantly increases your cable car indemnity in New York. On average, the following companies in New York are the bum with a irreverence :

  • Cheapest after an at-fault accident: Erie, $3,211 per year
  • Cheapest after a speeding ticket: Erie, $2,585 per year
  • Cheapest after a DUI: State Farm, $3,049 per year

For drivers with a military background and driving violations like a DUI, speeding ticket or at-fault accident, USAA offers the cheapest rates in New York. You can improve your badly tug phonograph record over clock time and get cheaper rates. For now, shop around and buy the policy that is the best deal .

Cheapest Car Insurance in New York With a Violation

Speeding ticket

  • company Speeding Ticket

    per year

  • 1 .USAA


  • 2 .Erie


  • 3 .State Farm


  • 4 .GEICO


  • 5 .Allstate


  • 6 .Progressive


  • 7 .Nationwide


  • 8 .Travelers


  • 9. New York Central Mutual Fire


  • 10 .MetLife


  • 11 .Esurance


  • 12 .The General


Average Cost of Car Insurance in New York

New York


New York




In New York City, the average annual price of cable car insurance is $ 4,103, which is a lot higher than both the New York state and the national average cost of car indemnity. Drivers in New York City pay 19.5 % more than the average annual cost of car policy in New York State and 188.1 % more than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in New York

When determining car insurance quotes in New York City, car policy companies rely on several factors to evaluate the risk associated with the driver. These factors include age, gender, make and model of the vehicle and ZIP code, among others. For example, in New York City, a GEICO policy for an 18 -year-old driver is closely four times more expensive than a policy for a 40-year-old driver. regularly getting a personalize quote can help you find low-cost coverage as your circumstances transfer. Loading …

The Best Car Insurance Companies in New York

New York City drivers seeking to purchase cable car policy coverage that incorporates a low cost and timbre overhaul can use MoneyGeek ’ s rank of the best companies in the city to find an ideal supplier. MoneyGeek ’ s scoring arrangement considered J.D. Power ’ south affordability, drug user atonement and fiscal stability ratings, among early factors, while ranking insurers in New York City out of 100. Based on these scores, the best indemnity providers in the city for most drivers are :

  • Travelers: MoneyGeek score of 90 out of 100
  • State Farm: MoneyGeek score of 88 out of 100

USAA received the highest sexual conquest in New York City by MoneyGeek ‘s evaluation system. It is only available to military members, veterans and their families, and is the best insurance company they could choose in New York.



score :


5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2


score :


4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 3

State Farm

score :


3/5 Affordability 5/5 Claims Ratings 4/5 User Satisfaction A fiscal stability 4


score :


4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy 5


score :


3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 6


grade :


3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 7


score :


2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 8

Liberty Mutual

score :


3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 9


score :


3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy

Average Cost of Car Insurance by Postal Code

Where you live in New York can play a big function in how much your car indemnity will cost, and that ’ s decidedly true in New York City. For case, those living in the city ’ s most low-cost neighborhood for car policy — 10002 — will pay about $ 2,000 less in annual cable car insurance premiums than drivers living in the 11230 neighborhood, the city ’ s most expensive ZIP code for car coverage .

  • Zip Code State Minimum

    per year

  • 10002


  • 10025


  • 11373


  • 11368


  • 10467


  • 10456


  • 11226


  • 11230


Factors That Impact Insurance Costs in New York

In addition to person driver needs and history, location-specific factors like personal wound protection coverage requirements and the rate of cable car thefts besides contribute to car policy rates in New York. How New York ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs .accident2 icon Most Accidents With Fatalities


/ 300handcuffs2 icon Most car Thefts


/ 300uninsured icon Most uninsured Motorists by State


/ 50insurance2 icon personal Injury Protection Required Yesrain icon Most annual rain


/ 300umbrella icon Most showery Days


/ 300

Methodology and Assumptions

MoneyGeek ’ sulfur average agio rates for New York are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage character, localization and drive commemorate. Learn more about MoneyGeek ’ s data and methodology here. About the writer

expert-profileexpert-profile Mark Fitzpatrick is a senior subject coach with MoneyGeek specializing in indemnity. Mark has years of feel analyzing the indemnity grocery store and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a maestro of Arts .

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