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Finding the cheapest car insurance quotes in New York City 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.
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 City
The car insurance rate in New York City is $2229 for a six-month policy, which is $1071 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1063, making it a popular choice for budget-conscious drivers. Rates in New York City 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.
At $1063 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 $1407 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Progressive
Progressive offers auto insurance
rates at $1498
for six months, making it
the third cheapest auto insurance company in New York City.
New York City Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in New York City, NY is Kemper, offering policies at just $1063 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1407.
At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3419 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New York City drivers find the best deals.
Cheap Car Insurance Companies in New York City, NY
Way's key takeaways about car insurance in New York City
The auto insurance costs in New York City fall around $1063 for six
months.
The cheapest auto insurance company in New York City is New York Central Mutual Fire.
Teen drivers pay the highest rate in New York City at $1719 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 City
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 City are given below.
New York Central Mutual Fire provides
the cheapest minimum car insurance
coverage in New York City. Their Average 6 Month Premium is $502.
Nationwide is the most
expensive at $961 for the same
period.
Cheapest Full Coverage Car Insurance in New York City
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 City is Kemper
at $181 per month and $1063
for six months.
Cheapest Full Coverage Car Insurance Quotes in New York City,
NY
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Average Car Insurance in New York City 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 City, NY increasing?
Despite maintaining a clean driving record, your car insurance rates
in New York City, 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 City'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 City
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
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Cheapest Car Insurance Rates for Teen Drivers in
New York City,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 City at $123
per
month. At $10211 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in New York City.
As young drivers face the highest rates in New York City, N/A
offers the cheapest auto insurance rates at $N/A 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 City,
Kemper is
the cheapest car insurance provider. At $1613 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 City is Progressive, offering
rates of around $9662 for six
months.
Save up to $971/yr on car insurance rates in New York City.
Car Insurance Rates with An Accident in New York City
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 City, NY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in New York City
The cheapest car insurance companies after an at-fault accident in
New York City include Kemper
and American Family, offering $891
and $914,
respectively. State Farm is an expensive provider
with an average six-month premium of
$3796.
Here is a list of driving violations that can increase your car
insurance rates in New York City NY. For example, the car
insurance in New York City
after a DUI increases to $1373 for a six
month policy. While the rate increases by $218 for a six-month policy in the case of
a speeding ticket.
New York City auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2412
$402
One Med/PIP claim
$2412
$410
One comp claim
$2435
$406
Two comp claims
$2458
$418
Two Med/PIP claims
$2458
$410
Not-at-fault accident
$2470
$420
Failure to show documents
$2505
$418
Failure to wear a seat belt
$2516
$427
Driving with expired registration
$2539
$424
At-fault accident - less than $1000
$2551
$433
Cell phone violation
$2551
$425
Child safety restraint
$2551
$433
Driving without lights
$2551
$425
Failure to stop at a red light
$2551
$433
Failure to yield
$2551
$425
Following too closely
$2551
$433
Illegal turn
$2551
$425
Improper passing
$2551
$433
Passing school bus
$2551
$425
Texting while driving
$2551
$433
Wrong way/wrong lane
$2551
$425
Driving too slowly
$2574
$437
Speeding in school zone
$2574
$429
At-fault accident - $1000-$2000
$2583
$439
Speeding 11 - 15 MPH over limit
$2630
$439
Speeding 6 - 10 MPH over limit
$2630
$447
Operating a vehicle without permission
$2676
$447
Open container
$2711
$460
In 65 MPH zone
$2824
$472
Speeding 16 - 20 MPH over limit
$2859
$487
Speeding 21 - 25 MPH over limit
$2961
$493
At-fault accident - greater than $2000
$3190
$543
Reckless driving
$3407
$568
Racing
$3544
$603
Driving with a suspended license
$3671
$612
Refusal to submit to a chemical test
$3750
$637
DUI
$3785
$631
Leaving scene of an accident/hit and run
$3842
$653
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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 City 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 City.
The cheapest car insurance premiums in
New York City are
offered by American Family at $868 for a six-month policy.
However, it can be as
expensive as $4289 with companies
like Chubb.
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 City are offered by American Family
at $766. However,
it can be as expensive as $4882
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in New York City after Speeding ticket
Car Insurance Price Trends in New York City,
New York
Car insurance rates in New York City have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the New York City remained steady at $529 in both February and January, indicating no change over the two month period.
The average cost of liability insurance in the New York City remained steady at $154 in both February and January, indicating no change over the two month period.
Average Car Insurance Cost in New York City 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 City. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in New York City?
The car insurance in New York City is $85 per month, which is higher than the national average.
What is the cheapest car insurance in New York City?
The cheapest car insurance in New York City
is $181 per month
for full coverage.
How much is car insurance in New York City for teenagers?
Car insurance for teenagers costs $720 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 City?
The average cost of car insurance is $1158 for a six-month
policy. It will cost around $373 per month to insure your
car in New York City.
Is car insurance expensive in New York City?
Car insurance can be expensive in New York City if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in New York City can be
affordable.
What is the best car insurance in New York City,
NY?
The best car insurance company in New York City
NY is
Kemper, offering $1063 for a
six-month policy.
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