Cheap Car Insurance in New York 2019

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Cheapest auto insurance companies in New York

Average New York auto insurance premiums by company

Company
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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

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

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