Cheap Car Insurance in New York 2019

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Finding cheap New York car insurance

Looking for cheap New York car insurance? Here are top ways to save money:

  • Shop around by comparing several car insurance quotes. Car insurance rates can vary by hundreds of dollars among insurers for the same coverage, so shopping around can really pay off.
  • Keep a good driving record and avoid insurance claims. Accidents, tickets and claims can all lead to a rate increase at renewal time.
  • Ask your insurance agent to review all the discounts your insurer offers to make sure you're getting all possible savings.
  • Adding a young driver to your insurance policy? Here are tips for getting cheap car insurance for teen drivers.
  • Raise the deductible on comprehensive and collision insurance, if you buy them.
  • Buy homeowners insurance from your auto insurance company to get a "bundling" discount.

We analyzed average insurance premiums reported by EverQuote users in New York so you can see how prices compare.

Sections:

New York insurance vs. the U.S. average
Average New York insurance premiums by company
Insurance increases after a speeding ticket
Insurance increases after an accident
DUI insurance increase in New York
Average premiums for New York cities

New York insurance vs. the U.S. average

New York is the the most expensive state for auto insurance, based on premiums reported by EverQuote users in New York.

  • $2,153/year New York average.
  • $1,684/year national average.

Average New York premiums by company

Company
Click to see reviews

Average annual premium in New York

Kemper

$1,564

Safeco

$1,670

Erie Insurance

$1,679

Travelers Insurance

$1,748

Tri-State Consumer Insurance

$1,844

The Hartford

$1,851

Amica

$1,856

AAA Insurance/Auto Club

$1,872

MetLife

$1,899

Allstate

$1,990

USAA (must have a military affiliation to apply)

$2,010

Nationwide Insurance

$2,060

Liberty Mutual

$2,079

21st Century Insurance

$2,122

Farmers

$2,139

State Farm

$2,164

Esurance

$2,182

Geico

$2,189

American National

$2,251

Mercury Insurance

$2,362

National General

$2,367

Progressive Insurance

$2,373

COUNTRY

$2,629

Insurance increases in New York after a speeding ticket

New York drivers who get a speeding ticket end up paying an average insurance increase of 20%, less than the nationwide average increase.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
New York $2,153 $2,592 20%
Nationwide average 26%

Insurance increases in New York after an accident

New York drivers who cause an accident get an average insurance increase of 22%, less than the national average increase.

State Annual premium with clean driving record Annual premium with a chargeable accident, no injury % increase
New York $2,153 $2,636 22%
Nationwide average 36%

Insurance increases after a DUI in New York

If you're convicted of a DUI in New York, the average premium increase at renewal time is 22%.

Clean record DUI % increase
New York

$2,153

$2,632

22%

Average premiums in New York cities

Car owners in Springfield Gardens, a neighborhood in Queens, pay the most for auto insurance among the New York cities we examined.

City

Average annual premium

Albany

$1,932

Amityville

$2,301

Arverne

$2,514

Astoria

$2,247

Auburn

$1,675

Bay Shore

$2,319

Binghamton

$1,590

Brentwood

$2,392

Bronx

$2,610

Brooklyn

$2,524

Buffalo

$2,019

Central Islip

$2,511

Corona

$2,402

East Elmhurst

$2,368

Elmhurst

$2,177

Elmira

$1,587

Elmont

$2,583

Endicott

$1,603

Far Rockaway

$2,563

Flushing

$2,238

Forest Hills

$2,042

Freeport

$2,502

Hempstead

$2,528

Huntington Station

$2,430

Ithaca

$1,542

Jamaica

$2,687

Jamestown

$1,546

Liverpool

$1,552

Lockport

$1,898

Long Beach

$2,291

Middletown

$2,165

Mount Vernon

$2,552

New Rochelle

$2,154

New York

$2,282

Newburgh

$2,033

Niagara Falls

$1,748

Ozone Park

$2,531

Patchogue

$2,037

Poughkeepsie

$2,055

Queens Village

$2,557

Ridgewood

$2,519

Rochester

$1,800

Rome

$1,495

Saint Albans

$2,736

Schenectady

$1,777

South Ozone Park

$2,508

South Richmond Hill

$2,412

Spring Valley

$2,223

Springfield Gardens

$2,817

Staten Island

$2,335

Syracuse

$1,911

Tonawanda

$1,694

Troy

$1,862

Uniondale

$2,648

Utica

$1,842

Valley Stream

$2,666

Watertown

$1,585

West Babylon

$2,297

Westbury

$2,078

White Plains

$2,092

Woodside

$2,285

Yonkers

$2,338

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated March 6, 2019

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