Cheapest Auto Insurance In New York

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Cheapest Car Insurance in New York How to Get the Best Auto Insurance Rate

Car details – year, make and model. If you Insure multiple cars, you may be entitled to major discount. Driving history – details of any claims or accidents. The better record you have the better your price. Driver details personal details like your date of birth address and occupation for you and any named drivers. Prior insurance carrier and expiration date. More background you may need to provide more general information like your marital status and whether you rent or own your home.

Cheapest Cars To Insure In New York City

Ranking at the top of the list for the most affordable New York City auto insurance rates in the non-luxury sedan or hatchback segment are the Volkswagen Jetta, Subaru Impreza, Volkswagen Golf, Subaru Legacy, and Chevrolet Spark. Car insurance prices for these vehicles average $2,796 or less per year, or around $233 per month.

Other cars that rank well in our comparison are the Toyota Corolla, Nissan Sentra, Honda Insight, and Kia K5, with average insurance cost of $2,830 per year or less.

The cheapest compact car to insure in New York City is the Subaru Impreza at $2,494 per year. For midsize cars, the Subaru Legacy is cheapest to insure at $2,786 per year. And for large cars, the Toyota Avalon has the best rates at $3,020 per year.

The following table shows the models with the cheapest car insurance rates in NYC, ordered starting with the cheapest.

Cheapest Cars to Insure in New York City


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Table Data Details:

A few popular car models that did not make the list include the Hyundai Sonata costing $3,278 per year, the Tesla Model 3 at an average of $3,020, and the Hyundai Elantra at $3,244.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Cheapest In New York For Drivers With An At

In New York, an at-fault accident on your record significantly increases the cost of your car insurance. A driver with an at-fault accident will pay approximately $4,639 per year for car insurance.

On average, the most affordable car insurance providers in New York for drivers with at-fault accidents are:

  • Eerie: $2,371 per year
  • Allstate: $2,458 per year

USAA is the most affordable option in New York for military members and their families if theres an at-fault accident on record. They charge $1,781 per year. With an average rate of $8,159 annually, The General is the most expensive option in New York.


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Cheapest Car Insurance In New York

Car insurance is extremely expensive in New York when you compare prices to other states. Youre in the right place if youre on a budget. Below, we compared and analyzed the cheapest car insurance in New York.

You will find information on cheap auto insurance for full coverage and minimum coverage. We also go over car insurance prices for drivers with a speeding ticket, accident, or DUI.

Annual and monthly car insurance payments for drivers with poor credit is also listed. You will find the cheapest New York auto insurance rates no matter if you are 20, 25, 30, or 65+.

Cheapest Car Insurance For Drivers In New York With A Dui

Cheapest car insurance in NY 2021

Progressive offers the cheapest car insurance rates for drivers with a DUI in their driver history at $2,436 per year. The average rate for drivers with a DUI in New York is $3,893, a savings of $1,457 per year.


Those who have less than perfect credit may see that their insurance rates are higher than average. For most people, bad credit rates are 60% than those with good or excellent credit scores, according to Insurance Information Institute .

Advertiser Disclosure: Some of the offers within the content are from companies where may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.

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Cheapest Pickup Trucks To Insure In New York City

The top four pickup trucks with the cheapest auto insurance rates are the Chevrolet Colorado at $2,368 per year, Ford Maverick at $2,460 per year, Ford Ranger at $2,558 per year, and Toyota Tacoma at $2,670 per year.

Other pickups that have cheaper rates include the Honda Ridgeline, GMC Canyon, Hyundai Santa Cruz, and Ford F150, with an average car insurance cost of $2,830 per year or less.

Car insurance rates in this segment for a middle-age safe driver starts at around $197 per month, depending on the company.

The rate comparison table below ranks the pickups with the most affordable auto insurance rates in New York City, starting with the Chevrolet Colorado at $197 per month and ending with the GMC Sierra 3500 at $282 per month.

Cheapest Pickups to Insure in New York City


For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Is your pickup truck missing from the table above? Enter your zip code at the bottom of the table above and click the orange GO button to get free car insurance quotes from top companies in New York.

What Is The Best Car Insurance Company In New York

While our research found that USAA and Geico are among the top providers in the Empire State, the best car insurance company in New York is different for every driver. Each consumer has a unique set of circumstances when searching for car insurance. These may include the drivers wants and needs, the type of car they drive, their motor vehicle history and the ages of the drivers on their policy. Remember that the cheapest car insurance isnt always the best, so you should look at more factors than just premium when youre shopping for coverage. Understanding your own situation and getting quotes from a few different companies will enable you to compare rates, coverage offerings, discounts and policy features so that you can find the right fit for you.

  • How much does car insurance in New York cost?

    Caret Down

    The 2022 average rates for car insurance in New York State are $2,996 per year for full coverage and $1,339 per year for minimum coverage. However, the actual rate you will pay depends on numerous individual rating factors including the make and model of your vehicle, the coverage types and levels you choose, your auto claim history and the discounts for which you qualify. Your premium will likely differ from the stage and national average based on your individual rating metrics.

  • Compare rates and save on auto insurance today!

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    Do I Need More Than The Minimum Required State Coverage In New York

    Even though New York requires more forms of insurance than many other states, the limits are still very low. The $25000 limit might swiftly be exhausted if you gravely harm someone in an at-fault accident.

    Furthermore, because $10000 in property damage is less than half the cost of a new car, you may be personally liable for the remaining losses.

    It is strongly advised that you increase your insurance limits. Most insurance companies will enable you to do so for a little premium increase. Liability coverage levels of at least 50/100/50 are advised, though you should consider going even higher if you have assets such as a home. There are also many coverage kinds to select to give additional security for yourself and your car.

    New York Ny Best Car Insurance Companies

    Cheap Car Insurance in New York

    Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and thats why its important to compare. According to our data, USAA generally has the most affordable car insurance in New York coming in around $220.43 per month. Other companies to consider if you live in New York is State Farm with an average cost of $225.53 per month and Erie which typically runs around $236.06 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in New York.


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    How To Find Good Cheap Car Insurance

    In the U.S., the average cost of minimum coverage car insurance is $545 per year, while full coverage reach to $1,678 per year. The best cheap auto insurance companies provide affordable rates without giving up quality customer service. you just need to take time to look for coverage thats right for you, compare quotes and take advantage of whatever discounts might be available.

    Understand the different types of Car insurance

    The Best Rates For New York State Minimum Insurance

    Are you looking for state minimum coverage for your vehicle? While choosing this level of coverage is a great way to keep insurance costs low, you should keep in mind that you wont have much protection when filing a claim.

    Insurance Company
    Liberty Mutual $268/mo

    With rates starting at $210/mo, Safeco once again takes the top spot for offering the cheapest rate for drivers looking for the state minimum coverage in New York. Rounding out the top 3 are Plymouth Rock and Liberty Mutual for the most affordable rates.

    Although all three of these options may seem great, there is still a $58 difference between the least and most expensive options. Drivers should take time to compare rates and see which insurance provider meets their needs and fits into their budget. However, youll be happy to know that all three insurance companies on this list can provide affordable insurance, so you want to see which one is the best fit for you.

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    How Can I Get Cheap Car Insurance In Nyc

    The best way to get cheap car insurance in NYC is to compare quotes from multiple companies and make sure your insurance company gives you all the discounts you are eligible to receive. Most companies offer generous discounts to customers who bundle their car insurance with a home or renters policy.

    Cheap Car Insurance For Drivers With Multiple Accidents On Their Record

    The Definitive Guide to Finding the Best Cheap Car Insurance

    Have you had a few accidents and find it hard to find affordable car insurance in New York? You are not alone. Unfortunately, even the best drivers can find themselves in a car accident that stays on your driving record for several years, and that can skyrocket your premium.

    Most insurers frown up drivers with multiple accents and will deny you coverage. Others will offer you an auto insurance policy at a steep cost. But once again, Liberty Mutual seems to be more understanding of drivers with a few hiccups on the driving record. They offer the most affordable auto insurance premium in New York, with rates starting at $379/mo.

    Its no surprise that drivers with multiple accidents on their record will pay more in car insurance. When you look at the price of car insurance for drivers with a single ticket on their record, youll find that 4 out of the 5 companies listed offer coverage for under $250 a month. Drivers with multiple accidents will see rates that start with $379/mo. Even the most expensive option for drivers with a single ticket still falls $90 short of the cheapest option for multiple accident drivers.

    This is why its important for drivers with accidents on their record to shop around for car insurance. Until the car accidents fall off your record, regularly comparing rates is one way to avoid overpaying for auto insurance.

    Get Cheaper Rates Today

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    Cheapest Minimum Coverage Car Insurance In New York For 40

    Drivers in New York who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  • Main Street America: $572 per year, or about $48 per month.

  • Utica National: $635 per year, or about $53 per month.

  • Erie: $649 per year, or about $54 per month.

  • Preferred Mutual: $649 per year, or about $54 per month.

  • Geico: $716 per year, or about $60 per month.

  • Defensive Driving Course Discount

    Drivers who take a defensive driving course are eligible for a discount, which lasts three years. The Department of Motor Vehicles offers a list of approved classroom course providers. The course is 320 minutes over one or more sessions and explores topics like driver attitude and behavior, traffic laws and defensive driving techniques.

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    New Yorks Auto Insurance Minimum Requirements

    Compared to some other states, drivers in New York are required to carry a lot of insurance. To register your vehicle, your insurance must meet the following liability minimums:

    • $25,000 in bodily injury liability per person and $50,000 per accident: Bodily injury liability is the part of your insurance that pays for other peoples medical bills and other losses if they get hurt in an accident youre responsible for
    • $50,000 in bodily injury liability per person and $100,000 per accident: This coverage pays out for injuries resulting in death
    • $10,000 in property damage liability: This pays for damage to other peoples cars in an accident youre responsible for
    • $25,000 in uninsured motorist bodily injury liability per person and $50,000 per accident: Uninsured motorist coverage pays for injuries you and your passengers suffer if an uninsured or hit-and-run driver causes an accident
    • $50,000 in personal injury protection : PIP benefits can pay medical bills for you and other people covered on your policy, no matter whos at fault in an accident.

    Even though New York doesnt require you to obtain collision insurance or comprehensive insurance , it may still be required by your lender.

    Buying Car Insurance In New York City Ny

    Cheap Auto Insurance in NY State New York State — Look what I found!

    The law in New York says drivers must have the following minimum liability insurance requirements:

    • $10,000 for property damage for a single accident

    • $25,000 for bodily injury and $50,000 for death for a person involved in an accident

    • $50,000 for bodily injury and $100,000 for death for two or more people in an accident

    • Have continuous coverage on a vehicle even if it is inoperable or not being driven.

    • The insurance must be issued by a company licensed by the New York State Department of Financial Services and certified by the NY State DMV.

    The state of New York is a no-fault state, which means that your insurance provider must pay your medical bills after an accident whether you caused the wreck or not.

    State minimum insurance requirements vary by state, but because they only offer basic protection, your vehicle might not be covered if youre in an accident.

    To better protect yourself and your property before an accident, its a good idea to add more coverage such as comprehensive or collision insurance to help defer out-of-pocket expenses.

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    Cheapest Full Coverage In New York

    Full coverage car insurance policies consist of comprehensive and collision insurance. It protects against accidents, theft, vandalism, and natural disasters.

    Ideally, full coverage means you have insurance thats appropriate for your income, assets, and risk profile. Lenders require full coverage from those who finance their cars.

    The table below shows the average annual rates from major insurance providers in New York, ranked cheapest to expensive for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident, and $100,000 for property damage, with comprehensive and collision coverage, and a $500 deductible.


    List Of Insurance Companies In New York

    The average rate of car insurance in New York will vary, depending on the type of vehicle, your driver record, zip code, credit rating, and type of insurance. The cheapest car insurance options in NY include the following:

  • USAA: Average insurance rates of $1,622 annually
  • GEICO: Average insurance rates of $1,867 annually
  • Erie: Average insurance rates of 1928 annually
  • Allstate: Average insurance rates of $2,206 annually
  • Progressive: Average insurance rates of $2,286 annually
  • State Farm: Average insurance rates of $2,481 annually
  • Nationwide: Average insurance rates of $3,093 annually
  • Travelers: Average insurance rates of $3,482 annually
  • New York Central Mutual Fire: Average insurance rates of $3,745 annually
  • MetLife: Average insurance rates of $4,776 annually
  • Esurance: Average insurance rates of $4,874 annually
  • The General: Average insurance rates of $7,026 annually
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    Progressive: Low Rates For High

    J.D. Power regional rating: 813/1,000AM Best financial strength score: A+Better Business Bureau rating: F

    Progressive is our top choice for drivers in New York because it tends to offer the cheapest rates on average. The insurer stands out for its price comparison tool and usage-based Snapshot® program, which allows drivers to save money based on good driving habits.

    Get Car Insurance Quotes In New York

    New York Car Insurance Rates for 2021

    Established in 1788 and at over 232 years-old, New York crosses over more than 54,555 miles of land and is home to 19,453,561 residents. There are presently 31 active highways in New York spanning 1,730 miles of asphalt. For those seeking to drive on I-78, I-81, I-84, I-86, I-87, I-88, I-90, I-95, I-99 and more, getting a hold of car insurance in New York is essential. The medium rate of car insurance in New York is in the neighborhood of $105. The minimum liability bodily coverage requirements per person is $25,000 and the required minimum liability bodily coverage per accident is $50,000. For a majority of drivers buying car insurance in New York, we propose buying at a minimum $50,000 for bodily coverage per person and the matching amount per accident. Motorists can anticipate paying up to $764 per month for car insurance in New York, and at the least $23.

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