Cheapest Car Insurance in New York (October 2025)

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Updated: October 3, 2025

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Key Takeaways

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The cheapest car insurance companies in New York for most drivers are NYCM, Progressive and Kemper, offering average savings of up to 55%

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Car insurance costs can be as low as $13 for minimum coverage and $29 for full coverage policies on average in New York

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To identify the cheapest car insurance, review market pricing and best insurance carriers in New York, take advantage of available savings and compare quotes from several providers.

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Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Who Has the Cheapest Car Insurance in New York?

NYCM Insurance offers the cheapest liability-only car insurance in New York at $25 monthly or $301 annually, providing solid value in a state with significant regional rate variations. This regional insurer offers substantial savings for eligible drivers across New York state.

Progressive and Kemper ($34 monthly each) offer competitive alternatives, while American Family ($43 monthly) and GEICO ($43 monthly) round out the top five affordable options. New York drivers benefit from strong competition among insurers as of October 2025.

NYCM Insurance$25-55%
Progressive$34-48%
Kemper$34-45%
American Family$43-32%
Geico$43-30%

*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.

New York requires minimum liability coverage of $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage, plus $50,000 for uninsured motorist coverage and $50,000 for personal injury protection (PIP). These comprehensive minimum requirements provide better baseline protection than many states.

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GEEK SPEAK: MARK'S THOUGHTS ON LIABILITY-ONLY INSURANCE

New York's minimum requirements are actually pretty solid compared to other states, especially with that mandatory uninsured motorist coverage—and trust me, you need it when dealing with the mix of tourists, delivery drivers, and locals all competing for the same piece of asphalt.

But here's the thing: whether you're dealing with Buffalo snowstorms or NYC street parking, your car faces unique risks that minimum coverage won't touch. Ever seen what road salt does to a car over a few winters? Or what happens when someone "lightly taps" your bumper in Manhattan traffic?

The mandatory coverage gives you a decent foundation, but consider whether it's enough for your specific New York driving reality.

Remember, the cheapest insurer isn't necessarily the best car insurance for your specific situation. If you're considering full coverage, scroll down to see the cheapest options for full coverage in New York.

Cheapest Full Coverage Car Insurance in New York

NYCM Insurance continues to dominate New York's insurance market, offering the cheapest full coverage at $58 monthly or $701 annually—maintaining its position as the state's most affordable option across coverage types. This regional insurer provides consistent value for eligible drivers throughout New York.

Progressive ($64 monthly) and Kemper ($69 monthly) offer competitive alternatives, while American Family ($85 monthly) and GEICO ($88 monthly) complete the top five. New York drivers have access to multiple affordable comprehensive coverage options as of October 2025.

NYCM Insurance$58$701
Progressive$64$765
Kemper$69$822
American Family$85$1,015
Geico$88$1,058
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LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN NEW YORK

We've created additional guides below to help you in your search for the best and cheapest car insurance in New York:

Compare the Cheapest Car Insurance in New York for You

The tables above show overall winners, but your cheapest option depends on your situation. Adult drivers with poor credit and an accident record who want 100/300/100 coverage save most with NYCM. Filter the table to match your profile:

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Poor
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
NYCM Insurance$141$1,691-38%$-1,037
Travelers$160$1,924-30%$-805
Geico$172$2,064-24%$-665
Mercury Insurance$180$2,157-21%$-571
Progressive$199$2,384-13%$-345

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in New York by City

NYCM Insurance is the cheapest insurer in much of New York's car insurance market, with the most affordable rate 13 of the 15 largest cities analyzed in the dataset. As of October 2025, Kemper secures the remaining two spots in New York City and Yonkers, the state's most densely populated urban centers.

Minimum coverage rates across New York's major cities show dramatic geographic variation, ranging from $18 to $58 monthly. Rochester and Syracuse residents benefit from the state's lowest rates at $18 to $19 monthly through NYCM Insurance, while New York City drivers face substantially higher premiums at $58 monthly with Kemper. Long Island communities like Hempstead and Babylon fall in the middle range at $29 to $34 monthly.

AlbanyNYCM Insurance$19-55%$-38
BabylonNYCM Insurance$30-58%$-67
BrookhavenNYCM Insurance$28-55%$-58
BuffaloNYCM Insurance$25-57%$-53
CheektowagaNYCM Insurance$19-57%$-42
GreeceNYCM Insurance$18-50%$-30
HempsteadNYCM Insurance$34-64%$-99
HuntingtonNYCM Insurance$28-60%$-69
IslipNYCM Insurance$30-57%$-65
New YorkKemper$58-46%$-75
Oyster BayNYCM Insurance$27-61%$-70
RochesterNYCM Insurance$19-55%$-37
SmithtownNYCM Insurance$28-58%$-64
SyracuseNYCM Insurance$18-61%$-45
YonkersKemper$49-47%$-63

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Cheapest Car Insurance in New York By Driver Age Group

We analyzed car insurance rates across New York for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:

  • Young drivers can get the lowest rates from NYCM, starting at $39 per month
  • Adult drivers find the best deals with Progressive, with rates from $33 per month
  • Senior drivers see the most affordable coverage through Progressive, beginning at $48 per month

Cheapest Car Insurance for Young Drivers in New York

Young drivers in New York can find the cheapest rates with NYCM. Minimum coverage averages about $465 per year, which is roughly 70% lower than the state average. That translates to an annual savings of around $1,109 compared to other providers.

If you're under 25, note that insurance requirements and available discounts may vary. Always verify coverage meets your state's legal requirements.

Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:Clean
Progressive$81$971-38%$-603
Erie Insurance$91$1,086-31%$-488
NYCM Insurance$39$465-70%$-1,109
American Family$69$824-48%$-750
Kemper$116$1,393-12%$-182

Cheapest Car Insurance for Adult Drivers in New York

Progressive provides the most affordable rates for adult drivers in New York. Minimum coverage costs about $402 per year, which is 47% lower than the state average. Full coverage averages $745 annually, or 49% less than the state average, giving drivers an estimated $712 in yearly savings.

Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:Clean
Erie Insurance$115$1,382-25%$-449
NYCM Insurance$96$1,150-37%$-681
Travelers$136$1,633-11%$-198
Mercury Insurance$143$1,715-6%$-116
Geico$120$1,444-21%$-386

Cheapest Car Insurance for Senior Drivers in New York

Progressive offers New York seniors the most affordable car insurance rates for both coverage levels. Minimum coverage averages about $48 per month, while full coverage costs around $84 per month or $1,012 annually. That makes full coverage approximately 46% cheaper than the state average.

Data filtered by:Results filtered by:
Select
Coverage Level (Friendly):100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:Clean
Erie Insurance$122$1,466-38%$-903
NYCM Insurance$132$1,582-33%$-788
Travelers$186$2,237-6%$-133
Mercury Insurance$188$2,257-5%$-113
Geico$154$1,847-22%$-523

Cheapest Car Insurance for High-Risk Drivers in New York

We reviewed five driver profiles that insurers in New York often consider high-risk: poor credit, DUI convictions, at-fault accidents, speeding tickets and texting while driving violations. The table below shows which providers offer the lowest rates for each group:

  • Cheapest for Bad Credit: Erie (From $55/mo)
  • Cheapest With a DUI: American Family (From $53/mo)
  • Cheapest With an Accident: Progressive (From $33/mo)
  • Cheapest With a Speeding Ticket: Progressive (From $34/mo)
  • Cheapest With a Texting While Driving Violation: Auto Owners (From $46/mo)

Cheapest Car Insurance for Bad Credit in New York

Erie provides the most affordable option for New York drivers with bad credit. Minimum coverage averages $663 per year, which is about 41% lower than the state average and represents an annual savings of roughly $458.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Driving Record:Clean
Erie Insurance$55$663-41%$-458
Travelers$84$1,004-10%$-117
NYCM Insurance$64$773-31%$-347
Mercury Insurance$76$906-19%$-214
Geico$66$797-29%$-323

Cheapest Car Insurance With a DUI in New York

American Family offers the cheapest rates for New York drivers with a DUI, with minimum coverage averaging $639 per year. That is about 63% lower than the state average and amounts to an annual savings of roughly $701. For full coverage, Kemper is the most affordable at $1,139 annually, which is 47% cheaper than average and translates to about $1,028 in yearly savings.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Progressive$35$420-63%$-701
NYCM Insurance$39$469-58%$-652
American Family$53$639-43%$-482
State Farm$82$982-12%$-139
Kemper$47$562-50%$-559

Cheapest Car Insurance With an Accident in New York

Progressive provides the cheapest option for New York drivers with an accident on their record. Minimum coverage averages about $33 per month, or $402 per year, which is 53% lower than the state average and saves drivers around $451 annually.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Progressive$33$402-53%$-451
NYCM Insurance$25$305-64%$-548
Geico$51$613-28%$-240
American Family$57$682-20%$-171
Kemper$47$567-34%$-286

Cheapest Car Insurance With an Speeding Ticket

Progressive offers the lowest rates for New York drivers with a speeding ticket. Minimum coverage averages $414 per year, while full coverage comes to about $765 annually, making it one of the most affordable options for this driver profile.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
Progressive$34$414-51%$-438
NYCM Insurance$35$421-51%$-431
American Family$46$553-35%$-299
Geico$51$613-28%$-238
Kemper$41$488-43%$-364

Cheapest Car Insurance With a Texting While Driving Violation

Drivers in New York with texting while driving violation can get the most affordable car insurance rates with Auto Owners. It offers minimum coverage at $547 per year. Auto Owners provide the cheapest available rate for full coverage policy at $1,201 per year.

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level (Friendly):State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
NYCM Insurance$25$305-63%$-518
Progressive$34$414-50%$-409
Kemper$41$488-41%$-335
American Family$46$553-33%$-270
Geico$51$613-25%$-210

How to Get the Cheapest Car Insurance in New York

Finding the cheapest provider is just one piece of the puzzle when looking for coverage in New York. Here are proven ways to save the most on auto insurance:

  1. 1

    Shop widely across insurers

    Rates vary sharply between New York City, Long Island, and upstate areas. Get quotes from national providers, regional carriers, and local brokers.

  2. 2

    Know the minimum coverage requirements

    New York mandates 25/50/10 liability, 50/100 uninsured motorist, and $50,000 PIP (no-fault) coverage. This makes it one of the stricter states in terms of baseline requirements.

  3. 3

    Take advantage of PIP options

    New York is a no-fault state. You can enhance or manage costs by adjusting PIP add-ons, such as extended coverage for lost wages or additional medical benefits.

  4. 4

    Bundle and stack discounts

    Bundle auto with homeowners or renters insurance, maintain continuous coverage, or use paperless billing. New York insurers also give discounts for completing a state-approved defensive driving course.

  5. 5

    Adjust coverage by location

    In dense areas like NYC, comprehensive and collision are smart due to high theft and crash risks. In upstate regions with lower accident frequency, liability-only on older vehicles may suffice.

  6. 6

    Improve your driver profile

    Keep a clean record and good credit. New York insurers can factor in your credit history when pricing policies.

  7. 7

    Know the New York Automobile Insurance Plan (NYAIP)

    If you’re unable to get insured in the standard market, the NYAIP provides access to minimum required coverage.

Risks of Getting the Cheapest Car Insurance in New York

New York requires drivers to carry 25/50/10 liability coverage, which means $25,000 for injuries to one person, $50,000 total per accident, and $10,000 for property damage. Lability insurance has no deductible.

The state also mandates $50,000 in personal injury protection (PIP) and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. While these minimums are higher than in many states, they still leave drivers exposed to significant financial risks.

    accident2 icon

    At-fault repairs to your own car aren’t covered

    Minimum policies don’t include collision, so you pay out of pocket if you cause an accident. The $10,000 property damage minimum only covers other people’s cars or property and can be exhausted quickly in accidents involving newer vehicles that often cost far more.

    hurricane icon

    Severe weather damage isn’t covered under minimum insurance

    New York regularly faces blizzards, hurricanes, and flooding. NOAA recorded several billion-dollar weather disasters affecting the state in 2023. Without comprehensive coverage, damage from floods, fallen trees, or hail is your responsibility.

    injury icon

    Medical and legal costs can exceed minimums, even with PIP

    PIP pays up to $50,000, but serious crashes (especially in high-cost areas like NYC) can surpass the $25,000 per-person bodily injury limit. Once PIP and liability limits run out, you’re responsible for remaining medical bills and potential lawsuits.

    uninsured icon

    UM is required, but the limits may be too low

    New York mandates UM bodily injury coverage of 25/50, but it only applies to accidents within the state unless you add an endorsement. Many drivers upgrade to Supplementary UM (SUM) to increase limits and extend protection outside of New York.

    handcuffs2 icon

    Theft and vandalism risks remain high

    New York ranked #7 nationwide for vehicle thefts in 2023, with over 32,000 cases reported. Without comprehensive insurance, you won’t receive coverage if your car is stolen or vandalized.

(National baseline data for context: In 2023, the average U.S. auto liability claim was $6,551 for property damage and $26,501 for bodily injury, according to the Insurance Information Institute. New York drivers face even higher potential costs due to denser traffic and higher repair bills.)

Minimum Coverage Requirements in New York

To legally drive in New York, motorists must carry at least the state’s minimum auto insurance. New York operates under a no-fault system, meaning your own insurer helps cover medical expenses after an accident, regardless of who caused it. The law requires liability coverage to pay for injuries and property damage you may cause to others, but the state also mandates Personal Injury Protection (PIP) and Uninsured Motorist coverage. While these limits satisfy legal requirements, many drivers choose higher coverage for stronger financial protection.

Coverage Type
Minimum Required Limit

Bodily Injury Liability (Per Person)

$25,000 per person ($50,000 for death)

Bodily Injury Liability (Per Accident)

$50,000 per accident ($100,000 for death)

Property Damage Liability

$10,000 per accident

Personal Injury Protection (PIP)

$50,000 per person

Uninsured Motorist Bodily Injury

$25,000 per person / $50,000 per accident

Cheap Car Insurance in New York: Bottom Line

NYCM offers the lowest car insurance rates in New York for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.

Cheap Car Insurance in New York: FAQ

Below, we answer common questions about finding affordable car insurance coverage in New York.

What are the cheapest car insurance companies in New York?

Who has the cheapest car insurance rates for young drivers in New York?

Who offers the cheapest car insurance rates for seniors in New York?

Who has the cheapest car insurance in New York for bad credit?

Who has the cheapest car insurance in New York with an accident?

Who has the cheapest car insurance in New York with a DUI?

Who has the cheapest car insurance in New York for those with a speeding ticket?

Should you buy the cheapest car insurance in New York?

How We Found the Most Affordable Car Insurance in New York

MoneyGeek collected auto insurance data from the New York Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in New York.

New York Driver Profile

Our analysis started with a standard driver profile to find the cheapest rates:

  • 40-year-old male
  • 2012 Toyota Camry LE
  • Clean driving record
  • 12,000 miles driven annually
  • Good credit
  • Valid license
  • Currently insured
  • No claims history

We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.

Standard Coverage Levels in New York
We compared car insurance companies in New York that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in New York.
The minimum coverage liability limits in New York are:

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

For full coverage policy rates, we used the following liability limits:

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

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.

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