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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

New York Car Insurance

^$ 86

/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 $2270 for a six-month policy, which is $1112 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

$2270

Avg. Car Insurance in New York

$1158

National Average

$1278

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 $1525 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, Chubb is the most expensive, with rates reaching $3481 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	$1525	$257
American Family	$1676	$282
NYCM	$2027	$341
USAA	$2246	$378
Erie	$2293	$386
Nationwide	$2503	$417
Travelers	$2550	$429
State Farm	$3038	$512
Allstate	$3399	$572
Chubb	$3481	$580

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 $1750 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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	$606	$100
Kemper	$629	$108
American Family	$757	$127
Progressive	$780	$131
USAA	$1002	$169
Erie	$1235	$210
Travelers	$1327	$221
Allstate	$1421	$241
State Farm	$1513	$253
Nationwide	$978	$163
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	$1525	$257
American Family	$1676	$282
NYCM	$2027	$341
USAA	$2246	$378
Erie	$2293	$386
Nationwide	$2503	$417
Travelers	$2550	$429
State Farm	$3038	$512
Allstate	$3399	$572
Chubb	$3481	$580

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in New York Instantly!

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

undefined

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 $125 per month. At $10396 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	$125
American Family	$884	$149
NYCM	$1956	$329
Progressive	$2411	$406
New York Central Mutual Fire	$2550	$433
Erie	$4902	$817
USAA	$5390	$907
Travelers	$7089	$1194
Nationwide	$7381	$1254
Chubb	$7730	$1288
Allstate	$8894	$1497
State Farm	$10396	$1750

Teen Car Insurance Rates in NY by Age

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, Kemper is the cheapest car insurance provider. At $1642 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 $9837 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1642	$274
Nationwide	$2503	$425
Chubb	$2969	$500
USAA	$3608	$613
Erie	$3842	$647
American Family	$3900	$662
NYCM	$4367	$727
Allstate	$4761	$802
Mercury	$4855	$809
State Farm	$5018	$845
Travelers	$5809	$978
Progressive	$9837	$1656

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in New York.

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
Progressive	$1433	$241
NYCM	$1456	$245
New York Central Mutual Fire	$1723	$288
USAA	$1956	$329
Erie	$2503	$421
Chubb	$2840	$478
Allstate	$3062	$515
Travelers	$3156	$531
Nationwide	$3307	$551
State Farm	$3865	$651
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

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 $4367 with companies like Chubb.

New York car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$884	$149
Kemper	$931	$159
Progressive	$1200	$202
NYCM	$1817	$306
New York Central Mutual Fire	$2095	$349
USAA	$2387	$402
Travelers	$3120	$525
Allstate	$3691	$621
Erie	$3806	$635
Nationwide	$4134	$704
State Farm	$4343	$731
Chubb	$4367	$743

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 $4971 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	$129
Kemper	$780	$133
Progressive	$1129	$190
NYCM	$1829	$312
USAA	$2119	$353
Erie	$2479	$421
Nationwide	$2503	$417
Travelers	$2887	$490
State Farm	$3493	$582
Chubb	$4134	$704
Allstate	$4971	$829

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 rose by $539 in January compared to $484 of December. In other words, there has been an increase by $55 when you compare January and December.

The average cost of liability insurance in the New York dipped to $157 in January, compared to $167 in December. This represents an decrease of $10 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

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 $2337 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	$2337	$391
10075	$2292	$384
10030	$2292	$384
10019	$2315	$387
10018	$2269	$380
10011	$2337	$391
10033	$2337	$391
10032	$2337	$391
10010	$2315	$387
10013	$2292	$384
10035	$2315	$387
10012	$2292	$384
10034	$2315	$387
10279	$2269	$380
10037	$2292	$384
10036	$2292	$384
10014	$2292	$384
10017	$2269	$380
10039	$2292	$384
10016	$2337	$391
10038	$2292	$384
10280	$2269	$380
10040	$2315	$387
10282	$2269	$380
10162	$2269	$380
10128	$2337	$391
10029	$2360	$395
10007	$2269	$380
10009	$2337	$391
10022	$2292	$384
10044	$2269	$380
10021	$2315	$387
10065	$2292	$384
10024	$2337	$391
10002	$2360	$395
10023	$2337	$391
10001	$2292	$384
10004	$2269	$380
10026	$2315	$387
10003	$2337	$391
10069	$2269	$380
10025	$2383	$399
10006	$2269	$380
10028	$2315	$387
10027	$2360	$395
10005	$2269	$380

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 $1158 for a six-month policy. It will cost around $380 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 N/A 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)

Featured Blogs

Data Sources