Car insurance quotes in New York
New York drivers pay $1,476 for a six month policy — 27% more expensive than than the U.S. average.[1] However, auto insurance cost is not just about where you live — factors like age and driving history play a big role. 39% feel they’re overpaying, but for those who value top-notch service and coverage, New York Central Mutual (NYCM) or Progressive are solid starting points.[2] But don’t stop there — explore all your options.
The Zebra’s experts have crunched the numbers to help you find affordable coverage that fits your needs. Want to see how much you could save? Dive in or enter your ZIP code to get personalized quotes from top insurers or check out our guide below.
- As a highly-rated regional carrier, NYCM scored an 667 on J.D. Power’s 2024 auto study.[3] For those eligible, USAA is also top-rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in New York ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in New York to name NYCM as the best overall company for New York drivers.
- Read more about why we’ve ranked New York Central Mutual as a great fit for many New Yorkers ↓
The cheapest rates are from NYCM at $740 for a six-month policy.
- New York Central Mutual offered the cheapest full insurance coverage in New York at $123/mo.
- See the other cheapest full coverage insurance companies and best discounts in New York ↓
- NYCM offered the cheapest liability insurance in New York at $44/mo
- Read about the rest of the top and best companies in New York ↓
What are the best car insurance companies in New York?
We’ve crowned New York Central Mutual (NYCM) as the top car insurance provider in New York, based on stellar consumer reviews, high rankings from trusted third-party sources like J.D. Power and AM Best, and a range of coverage options and discounts that cater to New Yorkers’ diverse needs.
Below, we break down the pros and cons of New York Central Mutual, along with other top-rated car insurance companies in the state.
New York Central Mutual (NYCM) is our top pick for New York drivers thanks to its unbeatable mix of reliable coverage, stellar customer service, and tailored discounts. The company performed well on the 2024 J.D. Power customer satisfaction survey. With a deep understanding of what New Yorkers need on the road, NYCM goes the extra mile to keep you protected, making it the clear choice for peace of mind behind the wheel.
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Affordable rates
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Great third-part customer satisfaction ratings
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Robust coverage options
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Many available discounts
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Limited availability
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The company receives mixed customer reviews from the Better Business Bureau
Best car insurance in New York — honorable mentions
To find the best car insurance companies in New York, we dove deep into J.D. Power Auto ratings and scoured consumer reviews from nearly 3,000 drivers across New York and the entire U.S. Our goal? To pinpoint the top providers that New Yorkers can truly count on.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| GEICO | $1,257 | $210 |
| Travelers | $1,319 | $220 |
| USAA | $1,600 | $267 |
| State Farm | $2,051 | $342 |
Cheap full coverage insurance in New York
In 2026, New Yorkers face an average of $1,476 for a 6-month full coverage policy. It’s pricier than liability-only, but still the go-to for 52% of The Zebra’s New York customers. For budget-friendly full coverage, start with New York Central Mutual (NYCM) and Progressive.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $723 | $120 |
| New York Central Mutual Fire | $943 | $157 |
| GEICO | $1,257 | $210 |
| Travelers | $1,319 | $220 |
| Allstate | $1,598 | $266 |
| USAA | $1,600 | $267 |
| State Farm | $2,051 |
Save on full coverage insurance with these discounts:
- Payment methods: Advance purchase, electronic billing, and paying in full can help trim costs.
- Driver discounts: Look into bundling multiple policies, multi-car discounts, good driver perks, student discounts, homeowner savings, and military benefits.
- Vehicle discounts: Savings can also come from insuring new vehicles, using safety devices, or adding anti-theft features — telemetrics are worth considering too.
- Bonus tip: Regularly review your policy to ensure you’re getting every discount you’re eligible for, and ask your insurer about any New York-specific discounts.
Cheap liability insurance in New York
The average cost for liability insurance in New York is $666 for a 6-month policy. For our user profile, GEICO, Progressive, and New York Central Mutual (NYCM) offer the most affordable options.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs related to physical damage or loss of an insured auto due to accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in New York, a comprehensive insurance policy with a $500 deductible costs $1,476.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New York Central Mutual Fire | $290 | $48 |
| Progressive | $399 | $66 |
| GEICO | $581 | $97 |
| USAA | $693 | $116 |
| Travelers | $791 | $132 |
| Allstate | $864 | $144 |
| State Farm | $1,145 | $191 |
According to The Zebra’s data, 48% of drivers in New York insure their vehicles with liability coverage only.
New York’s minimum car insurance requirements include liability coverage of $25,000 per person and $50,000 per accident for bodily injury, along with $10,000 per accident for property damage. You’ll also need uninsured/underinsured motorist coverage with the same limits for bodily injury, plus $50,000 in Personal Injury Protection (PIP) per person, since New York is a no-fault state.
Cheap auto insurance for teens and young drivers in New York
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New York Central Mutual Fire | $1,316 | $219 |
| Progressive | $2,252 | $375 |
| Travelers | $3,367 | $561 |
| GEICO | $3,663 | $611 |
| USAA | $4,109 | $685 |
| State Farm | $5,468 | $911 |
| Allstate | $7,380 |
New York auto insurance quotes after an accident or ticket
Your car insurance rate hinges heavily on your driving history. In New York, having an at-fault accident can be a costly mistake — expect your premiums to jump by as much as $826 per year. Insurers use your past accidents to gauge your risk, so even one mishap can significantly hike your rates. Have a look at the average cost of coverage from these top carriers after an at-fault accident.
| Company | No violations | With at-fault accident |
|---|---|---|
| Mercury | $2,018 | $2,712 |
| GEICO | $1,127 | $1,581 |
| State Farm | $1,858 | $2,455 |
| Progressive | $924 | $1,218 |
| Chubb | $1,562 | $2,463 |
| Travelers | $1,255 | $1,509 |
| USAA | $1,414 | $1,776 |
| Allstate | $1,537 | $2,098 |
| Encompass | $1,826 | $2,634 |
| Hanover | $2,161 | $2,929 |
| New York Central Mutual Fire | $849 | $1,021 |
| Erie | $1,092 | $1,381 |
| Utica National Ins Group | $1,196 | $1,537 |
In New York, a bad driving record can send your insurance rates soaring. Get a ticket, and you’ll likely see a spike in your premiums. The amount depends on the violation, your insurer’s rules, and New York’s specific regulations. That’s why a ticket here might hit your wallet harder than it would elsewhere.
Below is a snapshot of typical auto insurance rates in New York after a few common citations.
The Zebra’s guide to New York car insurance laws for high-risk drivers
Major violations like a DUI or driving without insurance can create big insurance challenges in New York. For a clear look at what’s required and how to navigate the rules, check out our car insurance requirements in the state of New York or our guide to New York car insurance laws below.
