Best Car Insurance in New York for 2025 [Review the Top 10 Companies Here] Car Insurance Guide (Cheap Rates + Best Companies)
The best car insurance in New York are State Farm, Geico, and Allstate, with monthly rates starting at $44. State Farm is ranked #1 for personalized service and offers a 17% discount for bundling policies. Check out Geico's offer of affordable rates and experience the best service with Allstate's local agents.
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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: Feb 5, 2025
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Company Facts
Full Coverage in New York
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in New York
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in New York
A.M. Best Rating
Complaint Level
Pros & Cons
State Farm, Geico, and Allstate offer the best car insurance in Michigan, with full coverage monthly rates for as low as $44.
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 as our #1 pick. You may also be interested in the affordable rates from Geico and the hassle-free services offered by Allstate.
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. To learn more about the affordable car insurance rates in New York, check this out by entering your ZIP code.
- State Farm ranks #1 for personalized service, making it the best option
- Geico stands out for reliability with an A++ financial strength
- Progressive’s Name Your Price tool helps drivers find affordable policies
#1 – Stare Farm: Top Overall Pick
Pros
- Excellent Customer Support – State Farm ranks #1 for providing top-rated customer service with local agents.
- Bundling Discounts – Policyholders can save as much as 17% by bundling auto insurance with homeowners or renters insurance.
- Strong Financial Stability – With high financial ratings, local drivers rely on State Farm for its claims processing and long-term security.
Cons
- Higher Premiums – Young or drivers with a history of violations may receive higher-than-average insurance premiums.
- Fewer Discount Options – While State Farm’s bundling discounts are available, other discounts may be more limited. Check these discounts with our “State Farm car insurance review” to secure more offers.
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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 other deals with our “Geico car insurance review“.
- Strong Financial Ratings – Geico ranks #2 for an A++ A.M. rating, ensuring financial stability and reliable claims handling.
- Multiple Discount Opportunities – Customers can enjoy many discounts, including multi-policy and good drivers.
Cons
- Few Local Agents – Geico mainly operates online and over the phone, with limited in-person interactions.
- Higher Rates – Drivers with poor credit or a history of accidents may face higher-than-average premiums.
#3 – Allstate: Best for Local Agents and Coverage
Pros
- Local Agent Network – Allstate offers excellent customer service and support through its wide network of local agents. See more great deals with our “Allstate car insurance review“.
- Diverse Coverage Options – Allstate offers a wide range of coverage add-ons, including accident forgiveness and rideshare insurance.
- Rewarding Safe Drivers – With the Drivewise program, 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 available only in some regions of the states.
#4 – Progressive: Best for Customizable Policies
Pros
- Customizable Coverage Options – Progressive allows drivers to customize their policies with unique add-ons, such as gap insurance.
- Name Your Price Tool – Progressive lets customers input their budget and receive policy recommendations that match their price point.
- Advanced Digital Tools – Drivers can manage policies and compare quotes with Progressive’s easy-to-use mobile app and online tools.
Cons
- Inconsistent Customer Service – Customers reported mixed reviews with claims processing and customer support. Check out our “Progressive car insurance review” to find answers to any questions you may have.
- Limited Local Agents – With the advanced digital tool and mobile app, Progressive relies more on digital services.
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#5 – Liberty Mutual: Best for Innovative Coverage
Pros
- Innovative Coverage – Customers may get interested in exclusive offers like Better Car Replacement™ and Accident forgiveness.
- Customizable Policies – Liberty Mutual lets drivers personalize their coverage with flexible policy options tailored to their needs and budget.
- Strong Online Mobile Tools – The featured app helps users manage policies and access hassle-free roadside assistance. To experience this tool, see through our “Liberty Mutual car insurance review“.
Cons
- Customer Service Reviews – Some customers have reported delays in claims processing and inconsistencies in customer 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 specialized coverage exclusive to active military members, veterans, and their families.
- Highly Rated Service – Customers have rated USSA highly for customer satisfaction and claims handling. 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 – USAA offers deals only to military members, veterans, and their immediate families, excluding the general public.
- Fewer Local Branches – USAA has a limited number of in-person service locations, which may be inconvenient for some customers.
#7 – Farmers: Best for Comprehensive Coverage
Pros
- Broad Coverage – Farmers offers customizable policies that include accident forgiveness and new car replacement options.
- Local Agent Network – Farmers has a wide network of representatives who offer personalized service nationwide.
- Generous Discounts – Customers may enjoy multiple discounts, like safe driver and savings from an affinity group. Check more discounts with our “Farmers car insurance review“.
Cons
- Expensive Premiums – Farmers’ monthly rates are $86, which is more expensive than budget-friendly insurance providers.
- Limited Advanced Tool – Farmers has an online tool, but its quote process and policy management lack advanced features.
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#8 – American Family: Best for Local Expertise
Pros
- Local Agent Support – American Family provides a dedicated network of local agents who can personally guide and support their customers.
- Excellent Customer Satisfaction – American Family consistently achieves high customer service and claims handling ratings.
- Multiple Discount – Customers may enjoy discounts like bundling, loyalty rewards, and safe driver savings.
Cons
- Increased Premiums – American Family policy rates are more expensive compared to other low-cost competitors.
- Limited Availability – American Family is only available in selected states, restricting access for some drivers. 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.
- Strong Financial Stability – Customers 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 – Customers 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 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 – 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 customers.
- Innovative Telematics Program – Travelers has an IntelliDrive program that rewards 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
With so many car insurers out there, it can be hard to determine which one offers the right coverage. Price may affect your decision, but there are other factors to consider, such as coverage levels.
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 section will help you evaluate insurance companies based on their financial ratings, reviews, and complaints.
Car Insurance Discounts From the Top Providers in New York
Insurance Company | Available Discounts |
---|---|
Drivewise, New Car, Homeowner, Early Signing | |
Vehicle Safety, Bundling, Good Student, Low Mileage | |
Bundling, Good Driver, Homeowner, Renovation | |
Good Driver, Multi-Car, Military, Emergency Deployment | |
Accident Forgiveness, Bundling, Safe Driving, New Car | |
Vanishing Deductible, Multi-Car, Safe Driver, SmartRide | |
Snapshot, Multi-Vehicle, Homeowner, Continuous Coverage | |
Safe Driver, Bundling, Drive Safe & Save, Student | |
Multi-Policy, Good Student, Homeowner, Hybrid Vehicle | |
Military, Safe Driver, Good Student, Multi-Car |
So, read on to find out more and determine who are the best car insurance companies in New York.
Read more: How Car Insurance Works in 2025 (Understand Your Coverage)
Auto Theft Rates in New York
Sometimes it’s hard to handle driving hazards, especially in high-traffic areas like New York City, which is a reason why some people take public transportation.
The driving and safety laws we’ve covered are meant to protect you and others, yet the statistics make the dangers seem even more real.
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 |
So, let’s find out about some of the biggest risks on the road.
Read more: Best Car Insurance for a Honda CR-V
Car Insurance Rates By Model
Like car owners elsewhere, New Yorkers tend to drive cars that are more practical than stylish.
Across Central New York, these cars include the Toyota Camry and the Honda Civic, and lots of pickups and SUVs, such as the Chevrolet Silverado, the Toyota RAV4, and the Nissan Rogue.
Though New York City itself revered the car in a 1951 Museum of Modern Art exhibit that showcased its art and design elements, with the vast transportation system, city residents don’t always own cars.
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. |
Car racing is a popular Empire State pastime, with the home of the Watkins Glen International race track in upstate New York and several more racing ovals and road courses statewide.
Read more: Car Insurance Rates by City
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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.
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. |
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.
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% |
New York minimum auto insurance coverage requires drivers to have minimum liability insurance to pay for accident claims.
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 |
One way to avoid filing a potential lawsuit is to know how much insurance you need for your car and buy more than the minimum required to pay for all your injuries or vehicle damage.
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.
New York Report Card: Car Insurance Discounts
Discount Name | Grade | Savings | Participating Providers |
---|---|---|---|
Safe Driver Discount | A | 22% | State Farm, Allstate, Progressive, Geico |
Multi-Policy Discount | A- | 17% | Farmers, Liberty Mutual, Nationwide, Geico |
Good Student Discount | B+ | 13% | Progressive, State Farm, Allstate, GEICO |
Anti-Theft Discount | B | 7% | Allstate, State Farm, Nationwide, Farmers |
Low Mileage Discount | B- | 6% | Progressive, Nationwide, State Farm |
Bundling Discount | C | 9% | Geico, Liberty Mutual, Travelers |
Paperless Discount | C- | 3% | Allstate, Progressive, Geico |
Insurance companies work it out with each other in the background. Collision coverage only covers things that are directly collision related.
Factors Affecting Car Insurance Rates in New York
Factor | Monthly Rate |
---|---|
Location | $110 |
Driving History | $120 |
Age and Gender | $100 |
Vehicle Type | $105 |
Coverage Levels | $130 |
Credit Score | $125 |
Annual Mileage | $115 |
Type of Use | $110 |
Insurance History | $105 |
Discounts | $90 |
Insurance in New York is a must and one thing that might surprise you though is the average rate quote for car insurance in New York and all of the factors that go into determining that rate.
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
Comparing quotes from top providers is one way to get the best car insurance in New York. Whether you’re looking for affordable rates, comprehensive protection, or exclusive discounts, enter your ZIP code now to discover insurance options tailored to your needs and budget.
Read more: How the States Rank on Uninsured Drivers
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 competitive rates for New York auto insurance.
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 more.
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 great deals 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, New York?
For the best auto insurance in West Glens Falls, New York, research top car insurance companies in New York and compare rates to find a balance between affordability and coverage.