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Get Cheap Car Insurance in New York
We monitor insurance prices, helping the average driver in New York save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in New York
The chart below shows the cheapest car insurance company in New York for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| New York Insurer | Monthly Cost |
|---|---|
| Kemper | $144 |
| Plymouth Rock Assurance | $192 |
| Safeco Insurance | $207 |
| Geico | $216 |
Savings for Every Kind of New York Driver
Based on our extensive insurance data, we know the average New York driver will save about 30% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $1,170 per year by choosing the right vehicle insurance company. Some New York residents are paying out over $3,924 extra every year for auto insurance in New York. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
New York Savings / Yr. |
|---|---|
$1,170 |
|
$746 |
|
$1,490 |
|
$1,508 |
|
$3,695 |
|
$1,236 |
|
$1,970 |
New York Car Insurance vs. the United States
People living in New York pay an average of 61.83% more than the typical driver in the nation. The average driver in New York can expect to pay about $2,847 per year, or $3,924 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in New York for most people.
Car Insurance Prices by New York Neighborhood
Insurance Prices
Where is insurance cheapest within New York?
The map shows insurance prices in and around New York, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $2,019 per year within the state boundaries, with insurance premiums ranging from a high of $3,969 to a low of $1,950. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northeast parts of New York.Pick the Best Car Insurance Company for You in New York
The best car insurance provider for most drivers in New York
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $1,170 over the average New York car insurance company.
The best car insurance provider for New York drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $746 over the competition.
The best car insurance company for New York drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $1,490 better than other car insurance companies.
The best auto insurance for New York drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $1,508 less each year.
The least expensive car insurance company for new and young drivers in New York
In New York, Progressive costs young drivers $3,695 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in New York
Progressive gave the largest car insurance discounts to married couples, averaging $1,236 saved each year compared to an average New York couple's premiums.
The cheapest car insurance in New York for drivers with bad credit
The best New York car insurance company for customer service
Recent price drops
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The cheapest large national provider in New York
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average New York driver can expect to pay about $183 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In New York, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around New York
What Influences the Cost of Car Insurance in New York?
On average, car insurance in New York is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in New York is 43 minutes, which is far more than average for a driver in the nation.
- New York state insurance regulations may require higher prices.
- An average of 15 to 16 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in New York are among the lowest in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- New York is a lightly populated area in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in New York is $237 per month for minimum coverage and $327 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Connecticut: Insurance costs 36.31% less
- New Jersey: Insurance costs 43.91% less
- Pennsylvania: Insurance costs 65.42% less
- Vermont: Insurance costs 74.69% less
- Massachusetts: Insurance costs 58.97% less
- Rhode Island: Insurance costs 15.65% less
- New Hampshire: Insurance costs 75.15% less
- Delaware: Insurance costs 41.16% less
- Maryland: Insurance costs 41.62% less
- District of Columbia: Insurance costs 36.26% less
States with Similar Populations
- South Carolina: Insurance costs 54.87% less
- Missouri: Insurance costs 44.83% less
- Nebraska: Insurance costs 65.42% less
- Nevada: Insurance costs 13.74% less
- New Mexico: Insurance costs 61.62% less
- North Dakota: Insurance costs 65.57% less
- Ohio: Insurance costs 78.52% less
- Oklahoma: Insurance costs 48.27% less
- Oregon: Insurance costs 61.31% less
- Pennsylvania: Insurance costs 65.42% less