$44/mo
$51/mo
$55/mo
The car insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com.
The car owners in New York pays on an average of $1158 for six months for car insurance, which is more than the national average. New York Central Mutual Fire offers cheap and the best rates in New York.
New York Central Mutual Fire offers the cheapest liability coverage in New York at $44/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in New York ↓
Kemper provides cheap full insurance coverage in New York at $94/month, offering excellent value.
Read about the cheapest full coverage companies in New York ↓
Kemper is the cheapest option after an at-fault accident in New York at $77 per month.
Read more about best car insurance companies after at-fault accident in New York ↓
Kemper was named the best overall by J.D. Power and AM Best, making it a top pick among New York’s best car insurers.
Check out the full list of the best car insurance companies in New York ↓For drivers looking to meet New York minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in New York is widely available from providers like New York Central Mutual Fire at $44/month. If you opt for Preferred Mutual you will have to pay at least $115/month for your car insurance premium, which is the highest in New York.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| New York Central Mutual Fire | $261 | $44 |
| NYCM | $309 | $51 |
| Kemper | $321 | $55 |
| American Family | $386 | $65 |
| Progressive | $398 | $67 |
| USAA | $511 | $86 |
| Erie | $630 | $107 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Kemper offers the cheapest car insurance for full coverage in New York at $94 per month. On the other hand Chubb offers the most expensive rate at $296 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $552 | $94 |
| New York Central Mutual Fire | $731 | $122 |
| Progressive | $778 | $131 |
| American Family | $855 | $144 |
| NYCM | $1034 | $174 |
| USAA | $1146 | $193 |
| Erie | $1170 | $197 |
Get Your Car Insurance Quote in New York Instantly!
Kemper stands out as the best car insurance provider in New York, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Progressive is a top pick for drivers seeking value and reliability.
Kemper offers a six-month premium of $440, which amounts to approximately $73 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Progressive is $463, which is higher than Kemper's by $23. Their higher monthly premium is, due to their strict policies on traffic violations.
American Family's premium is $535, which is significantly more expensive than Progressive's by $72. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $440 | $73 |
| Progressive | $463 | $79 |
| American Family | $535 | $89 |
| Erie | $849 | $144 |
| Travelers | $1123 | $187 |
| USAA | $1200 | $204 |
| State Farm | $1473 | $246 |
Teens and young drivers in New York often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in New York is
$2564 for 6 months, which is more than the national average.
Kemper is the best options for cheap
car insurance for young drivers in New York.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $374 | $64 |
| American Family | $451 | $76 |
| NYCM | $998 | $168 |
| Progressive | $1230 | $207 |
| New York Central Mutual Fire | $1301 | $221 |
| Erie | $2501 | $417 |
| USAA | $2750 | $463 |
Car insurance rates in New York have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the New York rose by $275 in Jan compared to $247 of Dec. In other words, there has been an increase by $28 when you compare Jan and Dec.
The average cost of liability insurance in the New York dipped to $80 in Jan, compared to $85 in Dec. This represents an decrease of $5 when comparing Jan and Dec.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Kemper gives you the cheapest car insurance rate after an at-fault accident in New York at $77/month. On the other hand Preferred Mutual is the most expensive option at $96/month for an at-fault accident.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $463 | $77 |
| American Family | $475 | $80 |
| Progressive | $731 | $123 |
| NYCM | $743 | $125 |
| New York Central Mutual Fire | $879 | $147 |
| USAA | $998 | $168 |
| Erie | $1277 | $215 |
If you are living in New York you should opt for Kemper. Kemper ranks as number 1 across various factors like customer satisfaction, claims and rates.
In New York, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
New York may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in New York after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1253 | $209 |
| One Med/PIP claim | $1253 | $213 |
| One comp claim | $1265 | $211 |
| Two comp claims | $1277 | $217 |
| Two Med/PIP claims | $1277 | $213 |
| Not-at-fault accident | $1283 | $218 |
| Failure to show documents | $1301 | $217 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in New York is American Family at $76 per month. Chubb at $379 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $451 | $76 |
| Kemper | $475 | $81 |
| Progressive | $612 | $103 |
| NYCM | $927 | $156 |
| New York Central Mutual Fire | $1069 | $178 |
| USAA | $1218 | $205 |
| Travelers | $1592 | $268 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Rochester | $891 | $150 |
| Coopers Plains | $939 | $156 |
| Gang Mills | $939 | $160 |
| Syracuse | $939 | $158 |
| Corning | $944 | $161 |
| Big Flats | $956 | $159 |
| Elmira Heights | $956 | $163 |
| Horseheads North | $956 | $159 |
| Pine City | $956 | $163 |
| Elmira | $962 | $160 |
| Painted Post | $962 | $164 |
| Southport | $962 | $160 |
