Cheap Car Insurance in New York

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Finding cheap car insurance in New York

Looking for cheap car insurance in New York? Because rates vary considerably by insurer, it's important to compare quotes if you're looking for cheap car insurance in New York. You can potentially save hundreds of dollars a year by comparison shopping. 

We looked at premiums reported by EverQuote users in New York for large insurance companies. The prices below reflect rates for one driver with a clean record insuring one car.

Company
(Click to see review)
Average monthly premium
Travelers $126
Safeco $129
Erie $130
MetLife $139
The Hartford $144.50
USAA $149
Allstate $153
Liberty Mutual $155
Esurance $162
Geico $170
Nationwide Insurance $171
State Farm $174
Farmers $177
Progressive $200
National General  $202
Country Insurance & Financial Services $254.50
Source: EverQuote. See full methodology below.


Keep in mind that the cheapest car insurance company in New York for you can change if you get a ticket, cause an accident, add a driver or move. 

Recent auto insurance rate changes approved by New York

You could get a car insurance rate increase at renewal time even if you have a good driving record.

Rate increases have been common in recent years. Auto insurers often point to increases in accidents, car-repair costs and medical bills as reasons for increases.

Car insurance companies must file proposed rate increases and decreases with the state department of insurance. Below are rate changes recently approved by New York. These rate changes may not affect all customers in the state. If you are affected by a rate change, you'll get a notice at renewal time. The effective dates indicate when the change will begin.

Company Effective date Rate change % 

(   ) = decrease

AIG Property Casualty Company 10/1/18 6.300
Maidstone Insurance Company 9/15/18 9.930
Mid-Century Insurance Company 8/8/18 10.000
Central Mutual Insurance Company 8/1/18 5.020
Maidstone Insurance Company 8/1/18 8.700
State Farm Fire and Casualty Company,

State Farm Mutual Automobile Insurance Company

7/16/18 (0.100)
Esurance Insurance Company 7/11/18 2.000
Main Street America Assurance Company,

NGM Insurance Company

7/11/18 5.400
Mid-Century Insurance Company 7/8/18 1.900
New South Insurance Company 7/1/18 5.000
State Farm Fire and Casualty Company,

State Farm Mutual Automobile Insurance Company

7/1/18 0.100
CSAA Fire & Casualty Insurance Company 7/1/18 13.900
Travelers Personal Insurance Company,

Travelers Personal Security Insurance Company

6/29/18 3.000
Kemper Independence Insurance Company 6/21/18 10.000
Farmers New Century Insurance Company,

Truck Insurance Exchange

6/21/18 11.000
The Insurance Company of the State of Pennsylvania 6/15/18 4.960
Allstate Fire and Casualty Insurance Company 6/11/18 2.600
Old Dominion Insurance Company 6/10/18 5.800
Garrison Property and Casualty Insurance Company,

United Services Automobile Association,

USAA Casualty Insurance Company,

USAA General Indemnity Company

6/3/18 5.000
Progressive Advanced Insurance Company,

Progressive Direct Insurance Company,

Progressive Max Insurance Company,

Progressive Northern Insurance Company,

Progressive Northwestern Insurance Company

6/1/18 10.400
MAPFRE Insurance Company of New York 5/23/18 9.600
Allstate Indemnity Company 5/21/18 11.800
Insurance Services Office,

Inc.

5/14/18 1.000
GEICO General Insurance Company,

Government Employees Insurance Company

5/10/18 5.200
GEICO Indemnity Company 5/10/18 3.600
Allstate Property and Casualty Insurance Company 4/30/18 12.500
LM General Insurance Company ,

LM Insurance Corporation

4/26/18 0.030
Dairyland Insurance Company 4/24/18 16.000
First National Insurance Company of America,

Safeco Insurance Company of America,

Safeco Insurance Company of Indiana,

Safeco National Insurance Company

4/20/18 5.000
Permanent General Assurance Corporation 4/17/18 4.900
Maidstone Insurance Company 4/15/18 9.900
Farm Family Casualty Insurance Company 4/3/18 5.000
National General Assurance Company 4/1/18 5.000
Merchants Preferred Insurance Company 4/1/18 4.700
Merchants Preferred Insurance Company 4/1/18 4.600
Unitrin Direct Property & Casualty Company 4/1/18 5.000
National General Insurance Online 4/1/18 6.300
Source: S&P Global Market Intelligence

New York car insurance rates after accidents & speeding tickets

We looked at premiums reported by EverQuote users in New York who had an accident or speeding ticket compared to those who didn't. Here are the average rate differences.

On driving record Average monthly premium difference vs. clean record in New York
Speeding ticket 35%
Accident 29%
Source: EverQuote. See full methodology below.


Even if you have a spotty driving record you can potentially get a better price by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much New York drivers are speeding and using their phones while driving.


New York car insurance rates by city

We also analyzed New York car insurance rates reported by EverQuote users in various cities. Drivers in Schenectady reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Schenectady $126
Rochester $128
Troy $130
Albany $138
Syracuse $141.38
Poughkeepsie $148
Buffalo $155
Flushing $165
New York $186
Astoria $190
Staten Island $200
Yonkers $200
Mount Vernon $205
Brooklyn $220
Jamaica $230
Bronx $237
Source: EverQuote. See full methodology below.

How to get cheap car insurance in New York

Besides comparing quotes and keeping a good driving record, other ways to save include:

  • Make sure you're getting all possible car insurance discounts. Ask your agent to review the available discounts.
  • Find out how much you could save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Improve your credit when possible. Insurers often use a credit-based insurance score when determining rates. Those with poor credit typically pay more for car insurance. 

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 25, 2018

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