Best Car Insurance in New York for 2025 [Review the Top 10 Companies Here]
You can find the best car insurance in New York with providers like State Farm, Geico, and Allstate. NY car insurance rates start at $40/mo. State Farm offers a 17% bundling discount. Geico is the most affordable option for car insurance in New York. Allstate’s agents help you get NY auto insurance quotes easily.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
UPDATED: May 30, 2025
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18,155 reviewsCompany Facts
Full Coverage in New York
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
19,116 reviewsCompany Facts
Full Coverage in New York
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
11,638 reviewsCompany Facts
Full Coverage in New York
A.M. Best Rating
Complaint Level
Pros & Cons
11,638 reviewsState Farm, Geico, and Allstate offer the best car insurance in New York, with minimum coverage rates as low as $40 monthly.
Understand New York’s complex insurance landscape and learn about things you do that can raise your premiums with our comprehensive guide covering the top insurers, no-fault requirements, and PIP coverage.
Discover minimum liability limits of $25,000/$50,000, common claims like rear-end collisions, available discounts up to 40%, and how NYC’s high theft rates impact your premiums significantly.
Our Top 10 Company Picks: Best Car Insurance in New York
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Personalized Service | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 25% | A+ | Local Agents | Allstate |
 | #4 | 10% | A+ | Custom Policies | Progressive |
 | #5 | 25% | A | Innovative Coverage | Liberty Mutual |
 | #6 | 10% | A++ | Military Focus | USAA |
 | #7 | 20% | A | Comprehensive Coverage | Farmers |
 | #8 | 25% | A | Local Expertise | American Family |
 | #9 | 20% | A+ | Unique Features | Nationwide |
 | #10 | 13% | A++ | Discount Options | Travelers |
This guide gives broader options for local drivers looking for the best New York car insurance companies.
- The top NY car insurance companies are State Farm, Geico, and Allstate
- Geico stands out for financial reliability with an A++ rating
- Allstate offers up to 30% savings with usage-based insurance programs
To learn more about the affordable car insurance rates in New York, check this out by entering your ZIP code.
#1 – State Farm: Top Overall Pick
Pros
- Excellent Customer Support: State Farm is the top choice on our list, providing New Yorkers with personalized customer service through local agents.
- Bundling Discounts: New York policyholders save up to 17% by bundling auto insurance with home or renters policies. Learn more in our State Farm car insurance review.
- Trusted by NY Drivers: State Farm has high financial stability ratings, so New York drivers rely on it for reliable claims processing.
Cons
- Higher Premiums: Young New York drivers or those with violations may face higher-than-average insurance premiums.
- Fewer Discount Options: While State Farm’s bundling discounts are strong, other NY-specific discounts are limited.
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#2 – Geico: Best for Affordable Rates
Pros
- Low Premiums: Geico offers the cheapest car insurance rates in New York, starting at $40 per month. You may check their deals in our Geico car insurance review.
- Strong Financial Ratings: Geico has an A++ A.M. rating, so New York drivers know their claims will be handled on time.
- Multiple Discount Opportunities: New York policyholders can get multiple discounts, including multi-policy and good driver discounts.
Cons
- Few Local Agents: NY drivers have limited in-person interaction with Geico’s mostly digital service.
- Higher Rates: Drivers with poor credit or a history of accidents may face higher-than-average NY premiums.
#3 – Allstate: Best for Local Agents
Pros
- Local Agent Network: As mentioned in our Allstate car insurance review, the company has a huge network of local New York agents.
- Diverse Coverage Options: Allstate offers NY drivers many coverage options, including accident forgiveness and rideshare insurance.
- Rewarding Safe Drivers: With the Drivewise program, you can earn discounts based on driving behavior.
Cons
- Higher Average Premiums: With a monthly rate of $76, Allstate’s rates are more expensive than Geico’s and Progressive’s.
- Limited Availability of Discounts: Some discounts and programs are only available in certain parts of New York.
#4 – Progressive: Best for Customizable Policies
Pros
- Customizable Coverage Options: Progressive lets New York drivers customize their policies with unique add-ons like gap insurance.
- Name Your Price Tool: Progressive’s Name Your Price tool helps them find policies that fit their budget. Learn more about this tool in our Progressive car insurance review.
- Advanced Digital Tools: New York drivers can manage policies with Progressive’s user-friendly app and online tools.
Cons
- Inconsistent Customer Service: New York customers have inconsistent experiences with claims handling and support.
- Limited Local Agents: New York drivers mostly interact with Progressive through digital services, not local agents.
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#5 – Liberty Mutual: Best for Innovative Coverage
Pros
- Innovative Coverage: New York customers get exclusive offers like Better Car Replacement and Accident Forgiveness.
- Customizable Policies: Liberty Mutual lets New York drivers customize coverage with flexible policy options.
- Strong Online Mobile Tools: The app helps you manage policies and get roadside assistance throughout the state. Learn more in our Liberty Mutual car insurance review.
Cons
- Customer Service Reviews: Some New York customers experience delays with claims and inconsistent support.
- Limited Local Agent Availability: Liberty Mutual has fewer representatives, which may be inconvenient for some customers.
#6 – USAA: Best for Military Members
Pros
- Exclusive Military Benefits: USAA offers military drivers in NY specific premium discounts averaging 24% below city market rates.
- Highly Rated Service: New York military families report 97% satisfaction with USAA’s rapid claims processing times. To check their services, visit our USAA car insurance review.
- Affordable Premiums: USAA provides some of the lowest car insurance rates in New York at $44 per month.
Cons
- Limited Eligibility: Civilian New York residents can’t get USAA’s rates and coverage.
- No NYC Branches: Unlike State Farm, USAA has no physical locations in the five boroughs.
#7 – Farmers: Best for Comprehensive Coverage
Pros
- Top-Tier NY Coverage: Farmers’ Bronze/Silver/Gold plan structure gives NYC drivers clear coverage options. Learn more in our Farmers car insurance review.
- Local Agent Network: Manhattan and outer borough residents have access to Farmers’ large network of in-person representatives.
- Generous Discounts: New York families with multiple vehicles save 15% with its multi-vehicle discount.
Cons
- Expensive Premiums: Farmers’ monthly rates are $86, which is more expensive than budget-friendly insurance providers.
- Outdated Digital Quote System: New Yorkers get a less user-friendly online quote system than competitors.
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#8 – American Family: Best for Local Expertise
Pros
- Local Agent Support: AmFam representatives understand borough-specific risks affecting Brooklyn and Queens car insurance rates.
- Excellent Customer Satisfaction: Independent surveys show New York policyholders rate American Family’s claims processing 8.5/10.
- Stackable Discounts: Hudson Valley and Western NY drivers can combine up to 6 different discount programs simultaneously.
Cons
- Increased Premiums: American Family’s typical premiums exceed the New York state average by approximately 22%.
- Limited Availability: Unlike competitors, AmFam lacks dedicated agencies in certain NYC boroughs. To find better deals, compare the offers in our American Family and State Farm review.
#9 – Nationwide: Best for Unique Features
Pros
- Vanishing Deductible Program: Nationwide offers a unique benefit in which the deductible decreases the longer you maintain a clean driving record in New York.
- Strong Financial Stability: Nationwide has an A+ rating due to its reliability and trustworthiness. Get more information in our Nationwide car insurance review.
- Diverse Policy Options: New York drivers have various customizable coverage options, like total loss deductible waivers.
Cons
- Expensive Base Rates: Nationwide offers monthly rates of $85, which is more costly than many other NY budget-friendly competitors.
- Limited Availability of Discounts: Some discounts and policy features are only available in select states.
#10 – Travelers: Best for Discount Options
Pros
- Discount Options: Travelers offers various discounts in NY, such as multi-policy, safe driver, and hybrid vehicle discounts.
- Financial Ratings: Travelers holds a record for an A++ rating from A.M. Best, gaining the trust of its New York policyholders.
- Innovative Telematics Program: Travelers IntelliDrive program rewards NY policyholders with lower rates based on safe driving habits.
Cons
- Selected States: Not all coverage options and discounts offered by Travelers are available in every state. For added info, check this guide, “How Much Insurance Do I Need for my Car?“
- Customer Service Complaints: Travelers is experiencing issues with slow claims processing and inconsistent support from its agents.
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Best Car Insurance Companies in New York
Finding the best car insurance in New York requires comparing multiple factors beyond just price. With numerous NY auto insurance companies competing for your business, understanding which providers offer the right balance of coverage, price, and service quality is essential.
New York Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $76 | $147 |
| $71 | $137 |
| $86 | $165 |
| $40 | $78 |
| $104 | $200 |
| $85 | $164 |
| $50 | $96 |
| $71 | $137 |
| $90 | $175 |
| $44 | $85 |
This comprehensive comparison helps you evaluate NY car insurance quotes from leading providers based on their financial stability, customer satisfaction ratings, and complaint ratios.
For New York drivers looking for reliable coverage, competitive rates, and excellent customer service, State Farm stands out as a top choice.
Chris Abrams Licensed Insurance Agent
The average car insurance cost in New York is approximately $172 monthly, making it one of the top 10 most expensive insurance states nationwide.
Read more: How Car Insurance Works (Understand Your Coverage)
Auto Theft in New York
Car theft has a huge impact on car insurance quotes New York drivers get, and the NY metropolitan region had 25,470 cars stolen in 2023.
Most of the top car insurance companies in New York have comprehensive coverage that guards against theft, which is crucial given NYC’s above-average auto theft rates compared to national averages.
Commuter Transportation in New York
| Category | Rates |
|---|---|
| Public Transit (NYC) | - Subway/Bus: $2.90 - Commuter Rail: $5.00+ (varies) |
| Private Vehicles | - Congestion Pricing: $9 (Manhattan below 60th St) |
| Alternative Transportation | - Bike Share: $12 for a single ride - Walking: Free |
| Commuter Benefits | - Pre-tax Transit Benefits: Up to $300/month - MCTMT: 0.34% on payrolls over $312,500 |
Many top car insurance companies in New York offer car insurance with telematics for drivers who commute via public transportation and only drive occasionally.
For part-time drivers, the average car insurance cost that New York providers charge can be reduced by 15-30% with pay-per-mile options.
Getting Discounts on Your Car Insurance in New York
When searching for the best car insurance in New York, understanding available discounts can significantly reduce your premiums. NY auto insurance companies offer various savings opportunities based on your driving habits, vehicle security, and policy bundling.
Auto Insurance Discounts From Top New York Providers
| Insurance Company | Anti-Theft | Bundling | Good Driver | Good Student | UBI |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 20% | 30% |
| 25% | 25% | 25% | 20% | 30% |
| 10% | 20% | 30% | 15% | 30% |
| 25% | 25% | 26% | 15% | 25% |
| 35% | 25% | 20% | 15% | 30% |
| 5% | 20% | 40% | 15% | 40% |
| 25% | 10% | 30% | 10% | $231/yr |
 | 15% | 17% | 25% | 25% | 30% |
| 15% | 13% | 10% | 8% | 30% |
| 15% | 10% | 30% | 10% | 30% |
Our research shows Liberty Mutual provides the highest anti-theft discount at 35%, while Nationwide offers good drivers up to 40% off their premiums.
Vehicle ownership patterns directly impact car insurance rates by city and coverage needs. With only 45% of NYC households owning a car (compared to the national average of 91%), insurance companies adjust their pricing models accordingly.
Car Ownership in New York
| Category | Details |
|---|---|
| Car Ownership in NYC | 45% of households own a car. |
| Ownership by Borough | - Staten Island: 83% - Manhattan: 22% |
| Increase in Vehicles (2012-2021) | - Brooklyn: +66,000 - Queens: +59,000 - Bronx: +52,000 |
| Vehicles per Capita in NYS | 0.474 vehicles per person. |
| Alternative Fuel Vehicles (AFVs) | More likely owned by homeowners than renters. |
Staten Island residents face the highest car insurance costs among boroughs due to their 83% ownership rate, while Manhattan’s 22% ownership rate often qualifies drivers for low-mileage discounts.
These ownership patterns explain why car insurance companies in NY offer varying rates by location.
Car insurance for NY drivers typically pays 15-30% more than suburban policyholders, but many insurers now offer usage-based insurance that can benefit city dwellers who drive infrequently.
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New York’s Minimum Coverage Requirements for Car Insurance
New York is a no-fault insurance state. That means that if another driver causes an accident that harms you, you must file a claim with your own car insurance company to pay your medical bills and damages.
It also means you don’t have to wait for the other side to settle their bills to get repairs, medical bills, and your rental car paid for. Generally speaking, drivers give up their right to sue over normal damages. Specifically, NY auto insurance requirements include:
- $25,000/$50,000 for bodily injury liability per person/per accident
- $10,000 for property damage liability
- $50,000 for Personal Injury Protection (PIP)
- $25,000/$50,000 for uninsured/underinsured motorist coverage
When comparing car insurance quotes, New York drivers should understand that these no-fault requirements directly impact premium costs across all car insurance companies in NY.
New York Report Card: Car Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Available Discounts | B | Many savings options help offset high costs |
| Fraud Impact | C | Fraudulent claims drive up insurance rates |
| Average Premiums | D | Among the highest in the U.S. |
Before requesting a NYC car insurance quote, understanding the most common claims can help you choose appropriate coverage levels.
5 Common Car Insurance Claims in New York
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Rear-End Collisions | 28% | $3,200 |
| Single-Vehicle Collisions | 23% | $5,500 |
| Theft | 15% | $7,500 |
| Comprehensive Damage | 20% | $2,800 |
| Weather-Related Damage | 14% | $4,500 |
When shopping for car insurance in NY, you should know that location significantly impacts rates.
New York Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Albany | 4,500 | 3,600 |
| Buffalo | 9,400 | 7,520 |
| New York City | 36,743 | 29,394 |
| Rochester | 8,200 | 6,560 |
| Staten Island | 1,753 | 1,402 |
| Syracuse | 5,800 | 4,640 |
While you’re legally required to carry liability coverage, many drivers also choose to carry collision, comprehensive, and PIP coverage. These premiums cover your auto and medical bills even if you were at fault.
Insurance companies negotiate with each other in the background. Collision coverage only covers things that are directly collision-related.
Read more: How the States Rank on Uninsured Drivers
Getting the Best Car Insurance in NY
State Farm, Geico, and Allstate offer the best car insurance in New York due to their excellent customer service, low premiums, and local presence. State Farm excels with its 17% bundling discount. Geico has the lowest average price on insurance in New York, at $40 per month. Allstate offers the support of a vast network of friendly local agents (Read more: Factors That Affect the Price of Car Insurance).
See if you’re getting the best NYC auto insurance quotes by entering your ZIP code here.
Frequently Asked Questions
What is the cheapest car insurance in New York?
The cheapest car insurance in New York depends on factors like your driving record, location, and coverage needs. Still, companies like Geico and State Farm often offer affordable car insurance in New York.
How much is the average cost of car insurance in New York State?
The average cost of car insurance in New York State varies, but full coverage typically costs around $2,000 per year, while minimum liability coverage is more affordable. Enter your ZIP code to compare auto insurance quotes in New York.
How can I find affordable auto insurance in Hudson Falls, New York?
To secure affordable auto insurance in Hudson Falls, New York, compare multiple auto insurance quotes in New York from top providers and look for discounts like bundling or safe driver savings. If you are getting confused, check the car insurance basics.
What is the best car insurance company in New York?
The best car insurance in New York depends on your needs, but companies like State Farm, Geico, and Progressive offer strong coverage, discounts, and excellent customer service.
How much does car insurance cost in New York City?
The average car insurance cost in New York City is generally higher than the state average, with full coverage costing around $3,000 per year due to increased traffic and accident risks. To compare rates from top NY companies, enter your ZIP code in our quote comparison tool.
Where can I find the best auto insurance in North Ballston Spa, New York?
For the best auto insurance in North Ballston Spa, New York, check with providers offering competitive rates, personalized coverage, and multi-policy discounts to save more.
Read more: Car Maintenance Expenses
What is the best way to get auto insurance quotes in New York?
The easiest way to get auto insurance quotes in New York is to compare rates online, contact insurers directly, or work with a local agent specializing in New York auto insurance.
How can I get affordable auto insurance in Fort Edward, New York?
To find affordable auto insurance in Fort Edward, New York, consider increasing your deductible, maintaining a good credit score, and asking about available policy discounts. Get the best New York car insurance rates by entering your ZIP code.
What is the average cost of car insurance in New York City compared to the rest of New York?
The average car insurance cost in New York City is significantly higher than the average car insurance cost in New York, mainly due to dense traffic, theft rates, and accident risks. Check out these safe driving tips.
Where can I find the best auto insurance in West Glens Falls, NY?
For the best auto insurance in West Glens Falls, New York, research coverage and rates from the top auto insurance companies in NY.