Cheap Car Insurance in New York 2019

Fast, Free Auto Insurance Quotes


Cheapest auto insurance companies in New York

Average New York auto insurance 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


Average auto insurance premiums in New York

Insurance increase 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 Clean driving record Speeding ticket % increase
New York $2,153/year $2,592/year 20%
Nationwide average 26%

Insurance increase after an accident

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

State Clean driving record Chargeable accident, no injury % increase
New York $2,153/year $2,636/year 22%
Nationwide average 36%

Insurance increase after a DUI

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/year

$2,632/year

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


Required auto insurance in New York

You must show your insurance ID card (or other proof of financial responsibility) in New York when:

  • Law enforcement requests it
  • You renew vehicle registration

Penalties for not having car insurance in New York

  • Fine of $150 to $1,500, up to 15 days in jail, or both.
  • Must also pay a $750 civil penalty.

Source: Property Casualty Insurers Association of America

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 Aug. 22, 2019

Fast, Free Auto Insurance Quotes