Cheapest 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.

According to Insure.com’s analysis, Progressive has the cheapest car insurance rates for most drivers in New York at $1,020 annually. However, your rates may be higher or lower based on personal factors such as your driving record, ZIP code and vehicle type.

To comply with New York’s car insurance laws, drivers must carry at least the minimum liability coverage required. It consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.

However, many vehicle owners prefer to invest in full-coverage car insurance for better coverage and added protection.

Below, you’ll find which insurance companies are the most affordable for different categories.

Cheapest overall: Progressive

$1,020/year

National avg. rate

Cheapest for at-fault accident: Progressive

$1,612/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Progressive

$1,161/year

Avg. rate after speeding ticket

Cheap car insurance companies in New York

Progressive offers the cheapest car insurance in New York, with an average price of $1,020 per year. It’s 45% less expensive than the average car insurance cost in New York. The rates 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 for car insurance from the cheapest car insurance companies.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in New York

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in New York

In New York, the 14814 ZIP code has the most affordable car insurance rates at $1,449. The table below shows the cheapest ZIP codes for car insurance rates.

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.

Cheapest car insurance in New York by age

Teen drivers in New York pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $4,682 more than a 40-year-old driver in New York, based on Insure.com’s analysis.

The table below shows the cheapest car insurance rates for drivers of different ages:

You might find interesting

• The best, cheapest car insurance in New York
• New York car insurance calculator
• Non-owner auto insurance in New York: Which company has the cheapest rates?
• Best and cheapest companies for home and auto bundles in New York

Cheapest car insurance in New York by driver history

Your driving history plays a key role in determining your car insurance rates. If you cause an accident or are convicted of a driving offense, your premiums are likely to rise. However, a clean driving record indicates that you are a low-risk driver, which can result in lower insurance costs.

Cheapest car insurance after a speeding ticket in New York

Here are the top three companies that offer cheap car insurance after a speeding ticket:

• Progressive: $1,161 per year
• State Farm: $2,140 per year
• Erie Insurance: $2,292 per year

According to Insure.com data, a single speeding ticket can increase your rates by 23% or $424 in New York.

Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in New York, below are some insurers that offer cheap car insurance after a speeding ticket.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in New York

Here are the top three companies that offer cheap car insurance after an accident:

• Progressive: $1,612 per year
• State Farm: $2,266 per year
• GEICO: $2,421 per year

Progressive offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,612 a year.

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

Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in New York

Below, you’ll find the top three companies that offer cheap car insurance after a DUI conviction:

• Progressive: $1,066 per year
• State Farm: $2,140 per year
• Allstate: $2,889 per year

If you’ve been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in New York

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in New York is $25 less than the national average car insurance rates in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.

What is full coverage car insurance in New York?

Full coverage car insurance includes bodily injury liability, property damage liability, as well as comprehensive and collision coverage. Collision insurance protects your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance covers damage caused by non-collision events like weather or theft.

If you lease or finance a car in New York, your lender may require you to buy collision and comprehensive insurance in addition to the state-required liability coverage.

Final thoughts

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to get the cheapest coverage 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 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. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. 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.