New York, NY Car Insurance

In the Empire State, the average full coverage car insurance costs around $306 per month. Prices can vary widely, from as low as $318 to as high as $7,289, depending on factors like policy, vehicle type, and driver details. To help drivers better understand what to expect, the table below includes average car insurance costs for various driver profiles.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In the Empire State, full coverage car insurance averages $2,154 per year, while state minimum coverage is $1,199 annually. City rates are higher, with full coverage at $3,669 and minimum coverage at $2,092. This suggests city dwellers may face steeper insurance costs than the state norm.

Even if premiums are rising, you can still find affordable car insurance in the Empire State. Kemper offers the cheapest rate for minimum coverage at $80 per month. For full coverage, Progressive provides the best rate at $136 per month.

Kemper often has the cheapest rates for minimum coverage, but costs vary for each driver. To find the most affordable car insurance, get quotes from several providers. Below is a table showing the cheapest rates for various driver profiles.

To find the cheapest car insurance in New York, you must compare rates from different companies. Below, we detail the most affordable options for state minimum and full coverage car insurance.

Kemper offers the cheapest minimum coverage auto insurance at $80 per month, while Progressive follows at $90. For a full breakdown of affordable options, see the table below.

Progressive offers the cheapest full coverage car insurance in New York at $136 per month. Below is a list of other providers and their rates.

To find the most affordable car insurance in the Big Apple, get quotes from several companies. Kemper offers the lowest rate at $1,307 annually, while Chubb scores 90.5 as the best cheap provider. Check the table below for more options to consider in your search.

Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,516 per year for 40-year-olds and $1,433 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

Kemper offers the cheapest overall car insurance for teens in New York with full coverage at $161 per month. This provides a savings of $244 compared to the average state cost. The table below also breaks down some of the most affordable providers for this age group.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Kemper offers the cheapest minimum coverage for young drivers at $94 per month, while Progressive provides the most affordable full coverage at $148 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.

Progressive offers the most affordable auto insurance for young drivers at $121 per month. Explore other affordable auto insurance options for young drivers. The table below shows other companies with competitive rates.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Kemper and Progressive are the cheapest car insurance providers, but rates vary based on factors like driving history and credit score. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.

Kemper offers the cheapest monthly premium for seniors at $107 for both minimum and full coverage. Progressive follows closely with a rate of $116 per month. See the table below for top car insurance providers for seniors in the Empire State.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

When looking at high-risk driver profiles in the Big Apple, insurance rates for both minimum and full coverage are compared to the state average. Drivers with bad credit and DUIs often pay the highest premiums. On the other hand, accidents and speeding tickets have a smaller impact on insurance costs.

Progressive offers the cheapest minimum coverage for drivers with a DUI at $1,139 per year. For full coverage, Progressive remains the most affordable at $1,719 annually. Check out the table below to see more options for low-cost coverage.

*Rates are for a 40-year-old driver with good credit and a DUI.

Progressive, Kemper, and GEICO offer the cheapest car insurance for drivers with an at-fault accident in New York. For more details on the cheapest auto insurance after an at-fault accident, you can explore different options. Below is a table showing providers offering affordable coverage for such drivers.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Progressive is the cheapest car insurance provider for drivers with a speeding ticket, offering rates of $94 for minimum coverage and $142 for full coverage in New York. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

GEICO offers the most affordable rates for drivers with bad credit in New York, with monthly costs of $172 for state minimum and $340 for full coverage. See the table below for more affordable options.

*Rates are for a 40-year-old driver with bad credit and no driving violations.

In the Empire State, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $50,000 personal injury protection (PIP) per person
• $50,000 death liability per person
• $100,000 death liability per accident

With these minimums, if you’re in a fender-bender, the coverage can help manage costs, ensuring you're not left footing hefty bills.

Kemper shines as New York's cheapest minimum coverage provider, while Progressive wins for full coverage. No matter your age or credit, you'll find insurers with plans that fit your wallet. Remember, your policy must include New York's required coverages: bodily injury, property damage, and uninsured motorist. By comparing options, secure affordable rates that adhere to state law, ensuring you're covered on all fronts.

This section provides quick answers to common questions about finding the cheapest and best car insurance options in New York.

MoneyGeek conducted an analysis of New York auto insurance prices using data from the New York Department of Financial Services and Quadrant Information Services.

New York Driver Profile

To assess the best and most affordable auto insurance options for New York residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in New York

In assessing the car insurance quotes for New York, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to New York's mandated liability insurance parameters:

The minimum coverage requirements in New York are:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $50,000 personal injury protection (PIP) per person
• $50,000 death liability per person
• $100,000 death liability per accident

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among New York providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in New York.

For more details on our evaluation process, see MoneyGeek's methodology.