How much car insurance costs in New York vs. Pennsylvania

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Car insurance rates can look very different depending on where you live. Premiums in New York and Pennsylvania vary widely due to differences in state insurance laws, traffic patterns, claims trends and even weather risks.

For example, drivers in New York pay an average of $216 per month for car insurance. In Pennsylvania, the same level of coverage costs about $194 monthly.

If you’re planning a move — or just wondering how your ZIP code affects what you pay — understanding these differences can help you budget smarter and choose the right coverage for your situation.

Average car insurance rates in New York vs. Pennsylvania

In New York, drivers pay an average of $216 per month for car insurance, compared with $194 per month in Pennsylvania.

For a standard six-month policy, that works out to $1,298 in New York and $1,164 in Pennsylvania.

Overall, drivers in Pennsylvania typically pay lower premiums than those in New York. While statewide averages show a clear difference, your personal rate may be higher or lower depending on factors such as your driving history, age, vehicle type, coverage limits and ZIP code.

Below is an overview of average car insurance rates in New York and Pennsylvania.

Premium type	New York	Pennsylvania
Avg. Monthly Premium	$216	$194
Avg. 6 Month Premium	$1,298	$1,164
Avg. Annual Premium	$2,596	$2,327

How car insurance rates compare by coverage level in New York and Pennsylvania

Car insurance costs in New York and Pennsylvania vary based on the coverage level you select. In New York, full coverage averages $2,596 per year, compared with $2,327 annually in Pennsylvania.

Those differences reflect how insurers price policies in each state based on overall claims data, vehicle values and driver risk profiles.

Coverage level affects cost because:

Full coverage includes liability, collision and comprehensive protection.
Liability-only coverage pays for damage or injuries you cause to other drivers but does not cover your own vehicle.
State minimum liability meets only the legal coverage requirements in each state.

The table below compares average premiums across common coverage types in New York and Pennsylvania.

Coverage types	New York	Pennsylvania
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,596	$2,327
State Minimum BI/PD	$2,546	$928
Liability Only – 50/100/50 BI/PD	$2,902	$1,211
Non-Owners	$606	$279
Gap Insurance	NA	$2,417
SR22 with 1 DUI	$4,711	$4,018

Cheapest car insurance companies in New York vs. Pennsylvania

Even within the same state, car insurance prices can differ widely from one company to another. To help you compare your options, we’ve highlighted the insurers offering the lowest average rates in both New York and Pennsylvania. These numbers give you a starting point — but your personal rate may vary.

Cheapest car insurance companies in New York

In New York, Progressive offers the lowest average rate at $1,258 per year. Followed by:

NYCM Insurance: $2,049
GEICO: $2,341

The table below shows car insurance providers in New York with the most affordable car insurance rates.

Company	Annual rate
Progressive	$1,258
NYCM Insurance	$2,049
GEICO	$2,341
Preferred Mutual	$2,403
Allstate	$2,909
State Farm	$2,978
The Hanover	$3,514
Travelers	$3,599

Cheapest car insurance companies in Pennsylvania

In Pennsylvania, Travelers offers the lowest average annual rate at $1,770 per year. Other affordable options include:

Erie Insurance: $2,044 per year
Westfield Insurance: $2,401 per year

Below, you see car insurance providers with the most affordable rates for drivers in Pennsylvania.

Company	Annual rate
Travelers	$1,770
Erie Insurance	$2,044
Westfield Insurance	$2,401
GEICO	$2,403
Allstate	$2,484
State Farm	$2,722
Progressive	$2,884
USAA*	$1,951

*USAA is only available to military community members and their families.

How to find the cheapest car insurance in your state

Compare at least three quotes
Ask about discounts
Adjust deductibles carefully
Review coverage limits

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Average car insurance rates by ZIP code in New York and Pennsylvania

Car insurance rates can vary significantly by ZIP code — even within the same state. Insurers use location-based data when setting premiums, which means two drivers with similar profiles could pay different rates depending on where they live.

Below is a comparison of average car insurance costs by ZIP code in New York and Pennsylvania.

How much does car insurance cost by ZIP code in New York?

In New York, rates can differ noticeably across ZIP codes. Among the most populous ZIP codes analyzed, 10467 has the lowest average annual premium at $3,157.

Here’s a closer look at how average car insurance rates compare across ZIP codes in New York.

ZIP code	City	Annual rate
10467	New York	$3,157
10025	New York	$3,413
11219	New York	$3,613
11226	New York	$3,666
11385	Ridgewood	$3,679
11207	New York	$3,707
11373	Elmhurst	$3,744
10314	New York	$3,767
11208	New York	$3,785
11368	Corona	$3,799

How much does car insurance cost by ZIP code in Pennsylvania?

Among the most populous ZIP codes analyzed, drivers in ZIP code 19124 pay an average of $3,207 per year. In comparison, drivers in ZIP code 17603 pay about $2,083 annually.

The table below shows how average car insurance premiums compare across ZIP codes in Pennsylvania, giving you a clearer picture of how location may impact your rate.

ZIP code	City	Annual rate
17603	Lancaster	$2,083
19446	Lansdale	$2,345
19143	Philadelphia	$3,083
19120	Philadelphia	$3,155
19111	Philadelphia	$3,184
19124	Philadelphia	$3,207

What are the top car insurance companies in New York and Pennsylvania?

The top car insurance companies in New York and Pennsylvania are ranked based on overall performance and customer satisfaction scores. Below, we highlight the highest-rated insurers in each state, using standardized comparisons of financial strength, complaints data and service ratings.

What are the top car insurance companies in New York?

In New York, NYCM Insurance ranks highest overall, with a score of 4.50 and a customer satisfaction rating of 0.13.

Close behind is Progressive, earning an overall ranking of 4.28 and a satisfaction score of 0.60.

The table below shows the highest-rated car insurance companies in New York, based on overall score and customer satisfaction.

Company	Overall ranking	Customer Satisfaction Index Ranking
NYCM Insurance	4.50	652
Progressive	4.28	620
GEICO	4.12	637
State Farm	3.76	646
Travelers	3.68	645
Allstate	3.36	625
The Hanover	3.00	594

What are the top car insurance companies in Pennsylvania?

In Pennsylvania, Erie Insurance leads with an overall ranking of 4.44 and a customer satisfaction score of 0.77.

It’s followed by Travelers at 4.30, with a satisfaction rating of 0.63.

GEICO rounds out the top three with an overall ranking of 3.84 and a satisfaction score of 0.60.

Below are the top-rated car insurance providers in Pennsylvania, based on overall performance and customer satisfaction.

Company	Overall ranking	Customer Satisfaction Index Ranking
Erie Insurance	4.44	706
Travelers	4.30	633
GEICO	3.84	643
Westfield Insurance	3.72	647
State Farm	3.53	673
Progressive	3.16	625
Allstate	3.09	632
USAA*	4.37	743

*USAA is only available to military community members and their families.

What are the minimum car insurance requirements in New York and Pennsylvania?

Both New York and Pennsylvania require drivers to carry a minimum amount of liability car insurance to legally operate a vehicle. However, the required coverage limits are set by each state and may differ.

Minimum coverage typically includes bodily injury liability and property damage liability. Some states may also require additional protections, such as personal injury protection (PIP) or uninsured/underinsured motorist coverage.

The table below compares the minimum car insurance requirements in New York and Pennsylvania, so you can see how the coverage limits differ at a glance.

Coverage requirement	New York	Pennsylvania
Minimum coverage limits	25/50/10	15/30/5

So, which state is more affordable for car insurance?

If you’re weighing a move — or simply comparing costs — car insurance can make a meaningful difference in your budget. On average, drivers in New York pay about $2,596 per year for full coverage, while drivers in Pennsylvania pay around $2,327. Over time, that gap can add up, especially if you’re insuring multiple vehicles or planning a long-term relocation.

When it comes to finding the cheapest option, Progressive has the lowest average rates in New York, while Travelers stands out in Pennsylvania. But averages only tell part of the story. Your actual premium will depend on your driving record, vehicle, coverage choices and even your ZIP code.

Even a few hundred dollars in annual savings can tip the scales when comparing overall living costs. Before making a decision, it’s smart to compare personalized quotes from multiple insurers to see which state — and which company — truly offers the best value for your situation.

Frequently asked questions about home and auto bundle insurance

Is car insurance cheaper in New York than in Pennsylvania?

Car insurance in New York is expensive than Pennsylvania. The average monthly cost in New York is $216, which is $22 more than the average in Pennsylvania of $194.

Can I use my New York insurance in Pennsylvania?

If you’re just visiting Pennsylvania for a short time, your New York car insurance should cover you. Most car insurance policies provide coverage across the U.S., so if your New York policy meets the state’s minimum requirements, it will generally apply in Pennsylvania as well.

However, if you’re planning to move to Pennsylvania and stay for a longer period, you’ll need to switch your car insurance to a Pennsylvania provider. Each state has its own insurance rules, and you are required to have insurance that meets the minimum requirements of the state where your car is registered. Maintaining a New York policy while living in Pennsylvania could be considered insurance fraud, especially if you’re involved in an accident.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.