Low-cost car insurance in New York

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In New York, Progressive offers the cheapest average premium at $1,448 per year. For comparison, the statewide average monthly cost is $241, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In New York, the minimum liability requirement is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

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

Progressive offers the lowest car insurance rates in New York, with an average annual premium of $1,448 per year. It’s $1,450 less expensive than the average car insurance cost in New York. Your actual rate will vary based on factors such as your driving history, age, ZIP code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates from low-cost car insurance companies..

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

Drivers in the 13848 ZIP code pay the lowest average annual premium in New York, at $1,764. See which other areas of the state offer more affordable rates below.

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

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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

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Low-cost car insurance in New York by age

Teenagers pay significantly more for car insurance than adults in New York. For instance, a 16-year-old driver pays $6,752 more on average than a 40-year-old.

The following table shows car insurance rates by age group in New York.

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

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. Progressive has the lowest average rate at $2,287 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in New York with the most affordable rates for drivers with an 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 often places drivers in the high-risk driver category, resulting in much higher rates. Still, some companies in New York keep their premiums lower than others. The table below shows the most affordable options available after a DUI.

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 insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in New York is $385 more than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in New York, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

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.