Low-cost car insurance in New York

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Drivers in New York can find the cheapest average premium with Progressive, at $1,448 per year. By comparison, the statewide average monthly cost is $241. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, New York requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $10,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in New York, depending on your situation.

Key Takeaways

Progressive offers the lowest car insurance rates in New York, at $1,448 per year, which is about $1,450 the state average.
Progressive has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,287.
The ZIP code 13848 has the low-cost car insurance rates in New York, at an average annual rate of $1,764.

Low-cost car insurance companies in New York

Among all insurers in New York, Progressive comes in lowest at $1,448 per year – $1,450 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in New York.

Company	Average annual rates
Progressive	$1,448
GEICO	$2,218
NYCM Insurance	$2,343
Erie Insurance	$2,415
State Farm	$2,930
Allstate	$3,005
Travelers	$4,010
The Hanover	$4,311
Chubb	$4,486
USAA*	$1,911

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

How we choose low-cost car insurance companies in New York

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in New York

In New York, drivers living in the 13848 ZIP code enjoy the lowest average annual premium at $1,764. Check the table below to see which other ZIP codes in the state have more affordable rates.

ZIP code	City	Average annual rates
13848	Tunnel	$1,764
12166	Sprakers	$1,826
13833	Port Crane	$1,860
13746	Chenango Forks	$1,868
12040	Cherry Plain	$1,877
14814	Big Flats	$1,878
12063	East Schodack	$1,889
14871	Pine City	$1,891
12023	Berne	$1,895
12156	Schodack Landing	$1,901

You might find interesting

Explore related topics

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in New York by city

See rates in your city

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Low-cost car insurance in New York by age

Young drivers often face the highest premiums. In New York, for example, a 16-year-old pays $6,752 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$7,914
Young Adults (20-24)	$4,365
Adults (25-60)	$2,870
Seniors (65-75)	$2,817

Low-cost car insurance in New York by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in New York

One speeding ticket in New York can cause your insurance rates to jump by 23%, or roughly $656 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$1,448	$1,649	14%	$201
Erie Insurance	$2,415	$3,051	26%	$636
GEICO	$2,218	$3,092	39%	$874
State Farm	$2,930	$3,214	10%	$284
Allstate	$3,005	$3,695	23%	$691
Travelers	$4,010	$4,729	18%	$719
USAA*	$1,911	$2,133	12%	$222

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

Low-cost car insurance after an accident in New York

Progressive offers the lowest car insurance rates to drivers after an at-fault accident at $2,287 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$1,448	$2,287	58%	$839
GEICO	$2,218	$3,092	39%	$874
State Farm	$2,930	$3,404	16%	$473
Erie Insurance	$2,415	$3,738	55%	$1,323
Allstate	$3,005	$4,007	33%	$1,002
Travelers	$4,010	$4,864	21%	$854
USAA*	$1,911	$2,284	20%	$373

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

Low-cost car insurance after a DUI in New York

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in New York are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$1,448	$1,513	$65	5%
State Farm	$2,930	$3,214	$284	10%
Erie Insurance	$2,415	$3,966	$1,551	64%
Allstate	$3,005	$4,222	$1,218	41%
Travelers	$4,010	$4,853	$843	21%
GEICO	$2,218	$6,092	$3,874	175%
USAA*	$1,911	$2,744	$833	44%

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

Average cost of car insurance New York

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

In New York, the average cost of full coverage is $385 more compared to the national average

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in New York, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in New York.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in New York. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

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.