Cheapest Car Insurance Quotes in New York

Finding the cheapest car insurance quotes in New York shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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New York Car Insurance

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/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’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.

Table of Contents

How Much Is Car Insurance in New York

The car insurance rate in New York is $2017 for a six-month policy, which is $988 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1082, making it a popular choice for budget-conscious drivers. Rates in New York can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in New York

$2017

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in New York

1st place: Kemper

At $1082 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $1433 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1445 for six months, making it the third cheapest auto insurance company in New York.

New York Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New York, NY is Kemper, offering policies at just $1082 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1433.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $3014 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New York drivers find the best deals.

Cheap Car Insurance Companies in New York, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1082	$184
New York Central Mutual Fire	$1433	$239
Progressive	$1445	$243
American Family	$1676	$282
NYCM	$1758	$296
Erie	$2107	$351
Nationwide	$2119	$361
USAA	$2131	$359
State Farm	$2642	$445
Travelers	$2783	$468
Allstate	$3014	$508

Key Takeaways

Way's key takeaways about car insurance in New York

The auto insurance costs in New York fall around $1082 for six months.
The cheapest auto insurance company in New York is New York Central Mutual Fire.
Teen drivers pay the highest rate in New York at $1537 per month.

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Cheapest Minimum Liability Car Insurance in New York

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in New York are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in New York. Their Average 6 Month Premium is $512. Preferred Mutual is the most expensive at $1350 for the same period.

Cheapest Liability Coverage in New York, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$512	$86
NYCM	$535	$90
Kemper	$629	$104
Progressive	$745	$125
American Family	$757	$127
USAA	$919	$155
Nationwide	$978	$163
Erie	$1235	$210
State Farm	$1433	$241
Travelers	$1537	$259
Allstate	$1607	$270
Utica National	$1117	$190
Preferred Mutual	$1350	$225

Cheapest Full Coverage Car Insurance in New York

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in New York is Kemper at $184 per month and $1082 for six months.

Cheapest Full Coverage Car Insurance Quotes in New York, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1082	$184
New York Central Mutual Fire	$1433	$239
Progressive	$1445	$243
American Family	$1676	$282
NYCM	$1758	$296
Erie	$2107	$351
Nationwide	$2119	$361
USAA	$2131	$359
State Farm	$2642	$445
Travelers	$2783	$468
Allstate	$3014	$508

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Average Car Insurance in New York by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in New York, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in New York, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, New York's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in New York

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$1103
30s	National Grange Mutual	$786
40s	National Grange Mutual	$757
50s	National Grange Mutual	$768
60s	National Grange Mutual	$827
70s	National Grange Mutual	$1135

Cheapest Car Insurance Rates for Teen Drivers in New York,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the New York at $122 per month. At $9128 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$733	$122
American Family	$884	$149
NYCM	$1478	$249
Progressive	$2340	$394
New York Central Mutual Fire	$2550	$425
USAA	$4680	$788
Nationwide	$6113	$1019
Travelers	$7568	$1274
Allstate	$8185	$1378
State Farm	$9128	$1537

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in New York.

As young drivers face the highest rates in New York, National Grange Mutual offers the cheapest auto insurance rates at $1103 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in New York, Chubb is the cheapest car insurance provider. At $1572 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in New York is Progressive, offering rates of around $10141 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1572	$263
Kemper	$1642	$278
Nationwide	$2119	$353
USAA	$2934	$500
NYCM	$3062	$510
Erie	$3318	$564
American Family	$3900	$651
Allstate	$3993	$672
State Farm	$4134	$696
Mercury	$4855	$825
Travelers	$4959	$835
Progressive	$10141	$1707

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Car Insurance Rates with An Accident in New York

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In New York, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in New York

The cheapest car insurance companies after an at-fault accident in New York include Kemper and American Family, offering $907 and $931, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1129.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$907	$151
American Family	$931	$157
NYCM	$1129	$190
Erie	$1235	$210
Chubb	$1362	$227
Progressive	$1490	$251
New York Central Mutual Fire	$1723	$288
USAA	$1850	$312
Nationwide	$2783	$465
Allstate	$2807	$472
State Farm	$3389	$570
Travelers	$3446	$580
Utica National	$1117	$190
Preferred Mutual	$1129	$188

New York Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New York NY. For example, the car insurance in New York after a DUI increases to $1397 for a six month policy. While the rate increases by $221 for a six-month policy in the case of a speeding ticket.

New York auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2456	$410
One Med/PIP claim	$2456	$417
One comp claim	$2479	$414
Two comp claims	$2503	$425
Two Med/PIP claims	$2503	$417
Not-at-fault accident	$2515	$427
Failure to show documents	$2550	$425
Failure to wear a seat belt	$2562	$435
Driving with expired registration	$2585	$431
At-fault accident - less than $1000	$2597	$441
Cell phone violation	$2597	$433
Child safety restraint	$2597	$441
Driving without lights	$2597	$433
Failure to stop at a red light	$2597	$441
Failure to yield	$2597	$433
Following too closely	$2597	$441
Illegal turn	$2597	$433
Improper passing	$2597	$441
Passing school bus	$2597	$433
Texting while driving	$2597	$441
Wrong way/wrong lane	$2597	$433
Driving too slowly	$2621	$445
Speeding in school zone	$2621	$437
At-fault accident - $1000-$2000	$2630	$447
Speeding 11 - 15 MPH over limit	$2677	$447
Speeding 6 - 10 MPH over limit	$2677	$455
Operating a vehicle without permission	$2724	$455
Open container	$2760	$468
In 65 MPH zone	$2875	$480
Speeding 16 - 20 MPH over limit	$2911	$496
Speeding 21 - 25 MPH over limit	$3014	$502
At-fault accident - greater than $2000	$3248	$553
Reckless driving	$3469	$578
Racing	$3608	$613
Driving with a suspended license	$3738	$623
Refusal to submit to a chemical test	$3818	$649
DUI	$3853	$643
Leaving scene of an accident/hit and run	$3912	$664

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in New York after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in New York.

The cheapest car insurance premiums in New York are offered by American Family at $884 for a six-month policy. However, it can be as expensive as $3947 with companies like State Farm.

New York car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$884	$149
Kemper	$931	$159
Progressive	$1129	$190
NYCM	$1421	$239
New York Central Mutual Fire	$2095	$349
USAA	$2234	$376
Allstate	$3318	$559
Travelers	$3410	$574
Nationwide	$3457	$576
State Farm	$3947	$664

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in New York are offered by American Family at $780. However, it can be as expensive as $4004 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in New York after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$780	$133
Kemper	$780	$129
Progressive	$966	$163
NYCM	$1292	$216
USAA	$1758	$300
Nationwide	$2423	$404
State Farm	$2621	$445
Travelers	$3830	$639
Allstate	$4004	$680

Car Insurance Price Trends in New York, New York

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 dipped by $484 in December compared to $486 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the New York dipped to $167 in December, compared to $172 in November. This represents an decrease of $5 when comparing December and November.

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Average Car Insurance Cost in New York by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the New York. At $2077 for a six-month policy, insuring your car at 10031 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
10031	$2077	$349
10075	$2037	$342
10030	$2037	$342
10019	$2057	$345
10018	$2016	$339
10011	$2077	$349
10033	$2077	$349
10032	$2077	$349
10010	$2057	$345
10013	$2037	$342
10035	$2057	$345
10012	$2037	$342
10034	$2057	$345
10279	$2016	$339
10037	$2037	$342
10036	$2037	$342
10014	$2037	$342
10017	$2016	$339
10039	$2037	$342
10016	$2077	$349
10038	$2037	$342
10280	$2016	$339
10040	$2057	$345
10282	$2016	$339
10162	$2016	$339
10128	$2077	$349
10029	$2097	$352
10007	$2016	$339
10009	$2077	$349
10022	$2037	$342
10044	$2016	$339
10021	$2057	$345
10065	$2037	$342
10024	$2077	$349
10002	$2097	$352
10023	$2077	$349
10001	$2037	$342
10004	$2016	$339
10026	$2057	$345
10003	$2077	$349
10069	$2016	$339
10025	$2117	$356
10006	$2016	$339
10028	$2057	$345
10027	$2097	$352
10005	$2016	$339

Frequently Asked Questions

How much is car insurance in New York?

The car insurance in New York is $86 per month, which is lower than the national average.

What is the cheapest car insurance in New York?

The cheapest car insurance in New York is $184 per month for full coverage.

How much is car insurance in New York for teenagers?

Car insurance for teenagers costs $733 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in New York?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $339 per month to insure your car in New York.

Is car insurance expensive in New York?

Car insurance can be expensive in New York if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in New York can be affordable.

Cheapest Car Insurance Quotes in New York

Why you can trust Way?

How Much Is Car Insurance in New York

Avg. Car Insurance in New York

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in New York

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

New York Car Insurance Rates by Company

Cheap Car Insurance Companies in New York, NY

Way's key takeaways about car insurance in New York

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New York

Cheapest Liability Coverage in New York, NY

Cheapest Full Coverage Car Insurance in New York

Cheapest Full Coverage Car Insurance Quotes in New York, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New York by Rating Factor

I have a clean driving record. Why is my car insurance rate here in New York, NY increasing?

Car Insurance Premiums by Age in New York

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New York,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in New York.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in New York

Cheapest Car Insurance Companies after an At-Fault Accident in New York

New York Car Insurance Rates by Violation

New York auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New York after a DUI

New York car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New York after Speeding ticket

Car Insurance Price Trends in New York, New York

Average Car Insurance Cost in New York by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New York, NY

Car Insurance Rates by State in the USA (2025 Update)

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