Low-cost car insurance in New York

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Drivers in New York can find the cheapest average premium with Progressive, at $1,258 per year. By comparison, the statewide average monthly cost is $216. 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 $10,000 in bodily injury coverage per person, $25,000 in bodily injury per accident, and $50,000 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 $1,258 per year, which is about $1,338 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 $1,995.
The ZIP code 14871 has the low-cost car insurance rates in New York, at an average annual rate of $1,836.

Low-cost car insurance businesses in New York

When comparing insurers in New York, Progressive leads the pack with an annual average of $1,258. That’s $1,338 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in New York.

Company	Average annual rates
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

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

195+

Carriers reviewed

65M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in New York

In New York, drivers living in the 14871 ZIP code enjoy the lowest average annual premium at $1,836. Check the table below to see which other ZIP codes in the state have more affordable rates.

Zipcode	City	Average annual rates
14871	Pine City	$1,836
14845	Horseheads	$1,847
14903	Elmira Heights	$1,848
14814	Big Flats	$1,851
14901	Elmira	$1,865
12831	Gansevoort	$1,889
14526	Penfield	$1,897
12065	Clifton Park	$1,911
14816	Breesport	$1,911
12828	Fort Edward	$1,913

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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 $6,760 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)	$7,500
Young Adults (20-24)	$3,951
Adults (25-60)	$2,578
Seniors (65-75)	$2,695

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 30%, or roughly $790 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	$1,258	$1,437	14%	$179
NYCM Insurance	$2,049	$2,467	20%	$418
GEICO	$2,341	$3,254	39%	$913
State Farm	$2,978	$3,281	10%	$303
Allstate	$2,909	$3,592	23%	$683
Preferred Mutual	$2,403	$3,801	58%	$1,398
The Hanover	$3,514	$4,254	21%	$740
Travelers	$3,599	$4,539	26%	$940

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 $1,995 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	$1,258	$1,995	59%	$737
NYCM Insurance	$2,049	$2,467	20%	$418
GEICO	$2,341	$3,254	39%	$913
State Farm	$2,978	$3,484	17%	$506
Allstate	$2,909	$4,068	40%	$1,159
Travelers	$3,599	$4,625	29%	$1,026
Preferred Mutual	$2,403	$4,627	93%	$2,224
The Hanover	$3,514	$4,720	34%	$1,206

Low-cost car insurance after a DUI in New York

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in New York offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$1,258	$1,320	5%	$62
NYCM Insurance	$2,049	$2,992	46%	$943
State Farm	$2,978	$3,281	10%	$303
Allstate	$2,909	$4,113	41%	$1,204
Travelers	$3,599	$4,539	26%	$940
The Hanover	$3,514	$4,623	32%	$1,109
GEICO	$2,341	$6,475	177%	$4,134
Preferred Mutual	$2,403	$7,622	217%	$5,219

Average cost of car insurance New York

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In New York, the average cost of full coverage is $18 more compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

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

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest 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 violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 65,756,440 insurance quotes from 195 insurance companies across 34,595 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.

Read more about our research standards and methodology.

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.