Best Car Insurance in New York for 2025 [Review the Top 10 Companies Here]
The best car insurance in New York are State Farm, Geico, and Allstate, with monthly rates starting at $40. State Farm stands out and offers a 17% discount which is ideal for NY car insurance. Geico delivers low rates, while Allstate’s agents helps you get a NY auto insurance quote fast and easy.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: May 5, 2025
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18,155 reviewsCompany Facts
Full Coverage in New York
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
19,116 reviewsCompany Facts
Full Coverage in New York
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
11,638 reviewsCompany Facts
Full Coverage in New York
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviewsState Farm, Geico, and Allstate offer the best car insurance in New York, with minimum coverage rates for as low as $40 monthly.
Don’t miss out on our car insurance guide on how top providers like State Farm offer customers a 17% bundling discount and claim the best-personalized service in New York.
You may also be interested in the affordable rates from Geico and the hassle-free claims process offered by Allstate when comparing auto insurance in New York.
Our Top 10 Company Picks: Best Car Insurance in New York
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Personalized Service | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 25% | A+ | Local Agents | Allstate |
 | #4 | 10% | A+ | Custom Policies | Progressive |
 | #5 | 25% | A | Innovative Coverage | Liberty Mutual |
 | #6 | 10% | A++ | Military Focus | USAA |
 | #7 | 20% | A | Comprehensive Coverage | Farmers |
 | #8 | 25% | A | Local Expertise | American Family |
 | #9 | 20% | A+ | Unique Features | Nationwide |
 | #10 | 13% | A++ | Discount Options | Travelers |
This guide gives broader options for local drivers looking for the best New York car insurance companies.
- he top pick for car insurance companies, New York drivers prefer State Farm
- Geico stands out for reliability with an A++ financial strength
- Progressive’s Name Your Price tool helps drivers find affordable policies
To learn more about the affordable car insurance rates in New York, check this out by entering your ZIP code.
#1 – State Farm: Top Overall Pick
Pros
- Excellent Customer Support: State Farm ranks #1 for providing New Yorkers with personalized customer service through local NY agents.
- Bundling Discounts: New York policyholders save up to 17% by bundling auto insurance with home or renters policies. Learn more in our State Farm car insurance review.
- Trusted by NY Drivers: With high financial stability ratings, New York drivers rely on State Farm for reliable claims processing.
Cons
- Higher Premiums: Young New York drivers or those with violations may face higher-than-average insurance premiums.
- Fewer Discount Options:While State Farm’s bundling discounts are strong for New Yorkers, other NY-specific discounts are limited.
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#2 – Geico: Best for Affordable Rates
Pros
- Low Premiums: Geico offers the cheapest car insurance rates in New York, starting at $40 per month. You may check their deals in our Geico car insurance review.
- Strong Financial Ratings: Geico has an A++ A.M. rating, so New York drivers know their claims will be handled.
- Multiple Discount Opportunities: New York customers can get multiple discounts, including multi-policy and good driver discounts.
Cons
- Few Local Agents: New York customers have limited in-person interaction with Geico’s mostly digital service.
- Higher Rates: New York drivers with poor credit or a history of accidents may face higher-than-average premiums.
#3 – Allstate: Best for Local Agents
Pros
- Local Agent Network: As mentioned in our Allstate car insurance review, Allstate has a huge network of local New York agents.
- Diverse Coverage Options: Allstate offers New Yorkers many coverage options, including accident forgiveness and rideshare insurance.
- Rewarding Safe Drivers: With the Drivewise program, New York drivers can earn discounts based on driving behavior.
Cons
- Higher Average Premiums: With the monthly rate of $76, the offered rates of Allstate are more expensive compared to Geico and Progressive.
- Limited Availability of Discounts: Some discounts and Allstate programs are only available in certain parts of New York state.
#4 – Progressive: Best for Customizable Policies
Pros
- Customizable Coverage Options: Progressive lets New York drivers customize their policies with unique add-ons like gap insurance.
- Name Your Price Tool: Progressive’s Name Your Price tool helps New Yorkers find policies that fit their budget. Know more about this tool in our Progressive car insurance review.
- Advanced Digital Tools: New York drivers can manage policies with Progressive’s user-friendly app and online tools.
Cons
- Inconsistent Customer Service: New York customers have inconsistent experiences with claims and support.
- Limited Local Agents: New York drivers mostly interact with Progressive through digital services not local agents.
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#5 – Liberty Mutual: Best for Innovative Coverage
Pros
- Innovative Coverage: New York customers get exclusive offers like Better Car Replacement™ and Accident Forgiveness.
- Customizable Policies: Liberty Mutual lets New York drivers customize coverage with flexible policy options.
- Strong Online Mobile Tools: The app helps New Yorkers manage policies and get roadside assistance throughout the state. Learn more in our Liberty Mutual car insurance review.
Cons
- Customer Service Reviews: Some New York customers experience delays with claims and inconsistent support.
- Limited Local Agent Availability: Liberty Mutual has fewer representatives, which may be inconvenient for some customers.
#6 – USAA: Best for Military Members
Pros
- Exclusive Military Benefits: USAA offers military New Yorkers specific premium discounts averaging 24% below city market rates.
- Highly Rated Service: New York military families report 97% satisfaction with USAA’s rapid claims processing times. To check their services, visit our USAA car insurance review.
- Affordable Premiums: USAA provides some of the lowest car insurance rates in New York at $44 per month.
Cons
- Limited Eligibility: Civilian New York residents can’t get USAA’s rates and coverage.
- No NYC Branches: Unlike State Farm, USAA has no physical locations in the 5 boroughs.
#7 – Farmers: Best for Comprehensive Coverage
Pros
- Pros 3-Tier NY Coverage: Farmers’ Bronze/Silver/Gold plan structure gives NYC drivers clear coverage options. Learn more in our Farmers car insurance review.
- Local Agent Network: Manhattan and outer borough residents have access to Farmers’ large network of in-person reps.
- Generous Discounts: New York families with multiple vehicles save 15% with its multi-vehicle discount.
Cons
- Expensive Premiums: Farmers’ monthly rates are $86, which is more expensive than budget-friendly insurance providers.
- Outdated Digital Quote System: New Yorkers get a less user-friendly online quote system than competitors.
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#8 – American Family: Best for Local Expertise
Pros
- Local Agent Support: Representatives understand borough-specific risks affecting Brooklyn and Queens rates.
- Excellent Customer Satisfaction: Independent surveys show New York policyholders rate American Family’s claims processing 8.5/10.
- Stackable Upstate Discounts: Hudson Valley and Western NY drivers can combine up to 6 different discount programs simultaneously.
Cons
- Increased Premiums: American Family’s typical premiums exceed the New York state average by approximately 22%.
- Limited Availability: Unlike competitors, American Family lacks dedicated agencies in certain NYC boroughs. Try to compare the offers in our “American Family and State Farm review” to find better deals.
#9 – Nationwide: Best for Unique Features
Pros
- Vanishing Deductible Program: Nationwide offers a unique benefit where deductible decreases the longer you maintain a clean driving record in New York.
- Strong Financial Stability: New Yorkers report Nationwide for an A+ rating due to its reliability and trustworthiness. Secure now in “Nationwide car insurance review” for more information.
- Diverse Policy Options: New York drivers have various customizable coverage options like total loss deductible waivers.
Cons
- Expensive Base Rates: Nationwide offers monthly rates of $85, which is more costly than many other NY budget-friendly competitors.
- Limited Availability of Discounts: Some discounts and policy features are only available in select states.
#10 – Travelers: Best for Discount Options
Pros
- Discount Options: NY customers know Travelers for offering various discounts, such as multi-policy, safe driver, and hybrid vehicle discounts.
- Financial Ratings: Travelers holds a record for an A++ rating from A.M. Best, gaining the trust of its New York policyholders.
- Innovative Telematics Program: Travelers has an IntelliDrive program that rewards NY policyholders with lower rates based on safe driving habits.
Cons
- Selected States: Not all coverage options and discounts offered by Travelers are available in every state. For added info, check this guide, “How Much Insurance Do I Need for my Car?“
- Customer Service Complaints: Travelers is experiencing issues with slow claims processing and inconsistent support from its agents.
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Best Car Insurance Companies in New York
Finding the best car insurance in New York requires comparing multiple factors beyond just price. With numerous NY auto insurance companies competing for your business, understanding which providers offer the right balance of coverage, price, and service quality is essential.
New York Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $76 | $147 |
| $71 | $137 |
| $86 | $165 |
| $40 | $78 |
| $104 | $200 |
| $85 | $164 |
| $50 | $96 |
| $71 | $137 |
| $90 | $175 |
| $44 | $85 |
This comprehensive comparison helps you evaluate NY car insurance quotes from leading providers based on their financial stability, customer satisfaction ratings, and complaint ratios.
For New York drivers looking for dependable coverage, competitive rates, and excellent customer service, State Farm stands out as a top choice.
Chris Abrams Licensed Insurance Agent
The average car insurance cost in New York is approximately $172 monthly, making it one of the top 10 most expensive insurance states nationwide.
Read more: How Car Insurance Works in 2025 (Understand Your Coverage)
Auto Theft in New York
Car theft has a huge impact on car insurance quotes New York drivers get, and the NY metropolitan region had 25,470 cars stolen in 2023.
Most of the top car insurance in New York companies have comprehensive coverage that guards against theft, which is crucial given NYC’s above-average auto theft rates versus national averages.
Commuter Transportation in New York
| Category | Rates |
|---|---|
| Public Transit (NYC) | - Subway/Bus: $2.90 - Commuter Rail: $5.00+ (varies) |
| Private Vehicles | - Congestion Pricing: $9 (Manhattan below 60th St) |
| Alternative Transportation | - Bike Share: $12 for a single ride - Walking: Free |
| Commuter Benefits | - Pre-tax Transit Benefits: Up to $300/month - MCTMT: 0.34% on payrolls over $312,500 |
Many top car insurance companies in New York offer car insurance with telematics for drivers who commute via public transportation and only drive occasionally.
For part-time drivers, the average car insurance cost New York providers charge can be reduced by 15-30% with pay-per-mile options.
Getting Discounts on Your Car Insurance in New York
When searching for the best car insurance in New York, understanding available discounts can significantly reduce your premiums. NY auto insurance companies offer various savings opportunities based on your driving habits, vehicle security, and policy bundling.
Auto Insurance Discounts From Top New York Providers
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 25% | 25% | 25% | 20% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
 | 15% | 17% | 25% | 25% | 30% |
| 15% | 13% | 10% | 8% | 30% |
| 15% | 10% | 30% | 10% | 30% |
Our research shows Liberty Mutual provides the highest anti-theft discount at 35%, while Nationwide offers good drivers up to 40% off their premiums.
Vehicle ownership patterns directly impact car insurance rates by city and coverage needs. With only 45% of NYC households owning a car (compared to the national average of 91%), insurance companies adjust their pricing models accordingly.
Car Ownership in New York
| Category | Details |
|---|---|
| Car Ownership in NYC | 45% of households own a car. |
| Ownership by Borough | - Staten Island: 83% - Manhattan: 22% |
| Increase in Vehicles (2012-2021) | - Brooklyn: +66,000 - Queens: +59,000 - Bronx: +52,000 |
| Vehicles per Capita in NYS | 0.474 vehicles per person. |
| Alternative Fuel Vehicles (AFVs) | More likely owned by homeowners than renters. |
Staten Island residents face the highest car insurance costs among boroughs due to their 83% ownership rate, while Manhattan’s 22% ownership rate often qualifies drivers for low-mileage discounts.
These ownership patterns explain why car insurance companies in NY offer varying rates by location.
Car insurance for NY drivers typically pay 15-30% more than suburban policyholders, but many insurers now offer usage-based insurance that can benefit city dwellers who drive infrequently.
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New York’s Minimum Coverage Requirements for Car Insurance
New York is a no-fault insurance state. That means that if another driver causes an accident that harms you, you must file a claim with your own car insurance company to pay your medical bills and damages.
It also means you don’t have to wait for the other side to settle their books to get repairs, medical bills, and your rental car paid for. Generally speaking, drivers give up their right to sue over normal damages. Specifically, NY auto insurance requirements include:
- $25,000/$50,000 for bodily injury liability per person/per accident
- $10,000 for property damage liability
- $50,000 for Personal Injury Protection (PIP)
- $25,000/$50,000 for uninsured/underinsured motorist coverage
When comparing car insurance quotes, New York drivers should understand these no-fault requirements directly impact premium costs across all car insurance companies NY wide.
New York Report Card: Car Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Available Discounts | B | Many savings options help offset high costs |
| Fraud Impact | C | Fraudulent claims drive up insurance rates |
| Average Premiums | D | Among the highest in the U.S. |
Before requesting a NYC car insurance quote, understanding the most common claims can help you choose appropriate coverage levels.
5 Common Car Insurance Claims in New York
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Rear-End Collisions | 28% | $3,200 |
| Single-Vehicle Collisions | 23% | $5,500 |
| Theft | 15% | $7,500 |
| Comprehensive Damage | 20% | $2,800 |
| Weather-Related Damage | 14% | $4,500 |
When shopping for car insurance companies NY residents should know that location significantly impacts rates.
New York Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Albany | 4,500 | 3,600 |
| Buffalo | 9,400 | 7,520 |
| New York City | 36,743 | 29,394 |
| Rochester | 8,200 | 6,560 |
| Staten Island | 1,753 | 1,402 |
| Syracuse | 5,800 | 4,640 |
While you’re legally required to carry liability coverage, many drivers also choose to carry collision, comprehensive, and PIP coverage. These premiums cover your auto and medical bills even if you were at fault.
Insurance companies work it out with each other in the background. Collision coverage only covers things that are directly collision related.
Read more: How the States Rank on Uninsured Drivers
Getting the Best Car Insurance in NY
State Farm, Geico, and Allstate are the best car insurance in New York due to their excellent customer service, low premiums, and local presence. State Farm excels with its 17% bundling discount, Geico has the lowest average prices at $40 per month, and Allstate offers the support of a vast network of friendly local agents.
Insurance in New York is a must and one thing that might surprise you though is the quote for car insurance in New York and all of the factors that affect the price of car insurance. See if you’re getting the best NYC auto insurance quote by entering your ZIP code here.
Frequently Asked Questions
What is the cheapest car insurance in New York?
The cheapest car insurance in New York depends on factors like your driving record, location, and coverage needs. Still, companies like Geico and State Farm often offer affordable car insurance in New York.
How much is the average cost of car insurance in New York State?
The average cost of car insurance in New York state varies, but full coverage typically costs around $2,000 per year, while minimum liability coverage is more affordable. Enter your ZIP code to see auto insurance quotes in New York.
How can I find affordable auto insurance in Hudson Falls, New York?
To secure affordable auto insurance in Hudson Falls, New York, compare multiple auto insurance quotes in New York from top providers and look for discounts like bundling or safe driver savings. If you are getting confused, view our car insurance basics.
What is the best car insurance company in New York?
The best car insurance in New York depends on your needs, but companies like State Farm, Geico, and Progressive offer strong coverage, discounts, and excellent customer service.
How much does car insurance cost in New York City?
The average car insurance cost in New York City is generally higher than the state average, with full coverage costing around $3,000 per year due to increased traffic and accident risks. To check for more information, enter you ZIP code now.
Where can I find the best auto insurance in North Ballston Spa, New York?
For the best auto insurance in North Ballston Spa, New York, check with providers offering competitive rates, personalized coverage, and multi-policy discounts to save more. Get a comprehensive understanding by referring to our guide “Car Maintenance Expenses.”
What is the best way to get auto insurance quotes in New York?
The easiest way to get auto insurance quotes in New York is by comparing rates online, contacting insurers directly, or working with a local agent specializing in New York auto insurance.
How can I get affordable auto insurance in Fort Edward, New York?
To find affordable auto insurance in Fort Edward, New York, consider increasing your deductible, maintaining a good credit score, and asking about available policy discounts. Check the best car insurance rates by entering your ZIP code.
What is the average cost of car insurance in New York City compared to the rest of New York?
The average car insurance cost in New York City is significantly higher than the average car insurance cost in New York, mainly due to dense traffic, theft rates, and accident risks. Be knowledgeable and check these safe driving tips.
Where can I find the best auto insurance in West Glens Falls, NY?
For the best auto insurance in West Glens Falls, New York, research top auto insurance companies in NY and compare rates to find a balance between affordability and coverage.