Cheap Auto Insurance in New York 2025 (Earn Savings With These 10 Companies)
Geico, Progressive, and American Family offer cheap auto insurance in New York, with rates starting at $40/month. For drivers seeking more flexibility, Progressive and American Family stand out for their customizable auto insurance options in NY and strong financial stability.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jan 28, 2025
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2,180 reviewsGeico offers cheap auto insurance in New York, with monthly premiums as low as $40. Progressive and American Family also provide competitive car insurance rates starting at $50 and $70 per month, respectively.
This reputation is based on affordability, financial stability, and tailor-made coverage, making them highly suitable for those drivers who will try to save but still keep adequate protection.
Our Top 10 Company Picks: Cheap Auto Insurance in New York
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $40 | A++ | Low-Cost Choice | Geico |
 | #2 | $50 | A+ | Custom Coverage | Progressive |
 | #3 | $70 | A | Customizable Plans | American Family |
 | #4 | $71 | B | Customer Service | State Farm |
 | #5 | $76 | A+ | Extensive Options | Allstate |
 | #6 | $85 | A+ | Roadside Support | Nationwide |
 | #7 | $90 | A++ | Reliable Coverage | Travelers |
 | #8 | $93 | A | High-Risk Drivers | The General |
 | #9 | $96 | A++ | Family Bundles | Auto-Owners |
 | #10 | $104 | A | Flexible Payments | Liberty Mutual |
These carriers offer cheap car insurance rates, flexible plans, and excellent customer service, making them the best choice in the state. See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool.
- Geico, Progressive, and American Family offer cheap auto insurance in New York
- Geico is well known for its financial stability and reliable claims service
- Progressive and American Family offer customizable coverage
#1 – Geico: Top Overall Pick
Pros
- Affordable Rates: Our Geico auto insurance review states that the company offers cheap auto insurance quotes in New York, with a minimum monthly cost of $40.
- Strong Financial Stability: Geico has an A++ rating from A.M. Best, meaning that it provides reliable claims payments and financial security for NY insurance customers.
- Various Discounts: Geico helps lower the average cost of auto insurance in New York by providing discounts, including good student, safe driver, and multi-policy discounts.
Cons
- Limited Local Agent Availability: Geico primarily operates online, limiting individual service for NY auto insurance consumers.
- Fewer Add-Ons: Geico limits personalization for drivers in New York by providing fewer optional coverage add-ons than other providers.
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#2 – Progressive: Best for Flexible Coverage
Pros
- Customizable Coverage Options: This Progressive Auto Insurance Review shows New York drivers can customize their policies with specialized add-ons.
- Competitive Monthly Rates: At $50 per month, Progressive offers competitive rates. If you’re looking for the best auto insurance in West Glens Falls, NY, this is a great option.
- Snapshot Program: Progressive’s Snapshot program offers discounts for safe driving, benefiting NY insurance customers.
Cons
- Potential for Higher Rates: Rates may increase once the Snapshot discount expires, making costs less predictable.
- Customer Service Complaints: Some NY car insurance customers report delays in claims processing and customer service issues.
#3 – American Family: Best for Customizable Plans
Pros
- Tailored Coverage for New York Drivers: Our American Family auto insurance review reveals that the company’s policies are customizable for New York drivers. They feature accident forgiveness and rental car reimbursement, among other benefits.
- Solid Financial Backing: With an A rating from A.M. Best, this New York automobile insurance company ensures service reliability and financial stability for its customers.
- Multi-Policy Discounts: American Family offers bundling auto and home insurance, resulting in significant discounts that lower overall costs, including your car insurance cost in NYC.
Cons
- Higher Rates: With starting rates at $70 per month, coverage may be more expensive than its competitors, which is less appealing for budget-conscious drivers.
- Limited Availability in New York: American Family has fewer local agents in the state, limiting personalized service for NY customers.
#4 – State Farm: Best for Customer Service
Pros
- Excellent Customer Service: According to our State Farm auto insurance review, the company was praised for its dependable claims service and great customer support, making it an excellent choice for New York drivers.
- Affordable Rates: With the average cost of car insurance in New York State being high, State Farm offers competitive pricing starting at $71 per month.
- Local Agent Network: State Farm’s agents across the U.S. provide personalized service, including in New York.
Cons
- Limited Discounts: State Farm offers discounts like safe driving and multi-car, but fewer options exist than its competitors.
- Less Flexible Coverage: For drivers seeking customizable options, State Farm’s policies are less flexible than those offered by providers like Progressive for auto insurance in New York.
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#5 – Allstate: Best for Extensive Options
Pros
- Variety of Coverage Options: Our Allstate auto insurance review shows the company’s many coverage options, including collision, comprehensive, and roadside assistance, making it a popular choice among New York drivers.
- Strong Financial Stability: Allstate has an A+ rating from A.M. Best to ensure solid financial stability when buying auto insurance in New York.
- Discounts for Safe Drivers: The Allstate Drivewise program gives discounts for safe driving, with rates starting at $76/mo.
Cons
- Higher Premiums: Allstate’s rates are higher than those of competitors like Geico and Progressive, which may concern drivers asking how much car insurance is in New York.
- Mixed Customer Satisfaction: Some New York customers report mixed experiences with Allstate’s customer service and claims process.
#6 – Nationwide: Best for Roadside Support
Pros
- Comprehensive Roadside Assistance: Nationwide’s roadside assistance service is a helpful option for drivers with auto insurance in New York to get them out of unwanted situations.
- Strong Financial Backing: Nationwide’s A+ rating from A.M. Best ensures financial stability and reliable claims payouts, as highlighted in our Nationwide auto insurance review for NY customers.
- Savings Through Discounts: New York drivers can reduce premiums through Nationwide’s multi-policy and safe driver discounts.
Cons
- Higher Premiums: At $85 per month, Nationwide’s rates exceed those of many competitors, which may deter budget-conscious drivers, considering how much car insurance is in NY.
- Limited Local Presence: Nationwide’s smaller number of local agents in New York may reduce access to personalized service for drivers seeking auto insurance in New York.
#7 – Travelers: Best for Reliable Coverage
Pros
- Affordable Rates: Travelers have the best reliable auto insurance in New York, starting at $90 monthly, making it one of the best options for drivers wondering how much car insurance is in New York.
- Strong Financial Stability: Travelers hold an A++ rating with A.M. Best, ensuring that your financial interests are secure.
- Coverage for High-Risk Drivers: Our Travelers auto insurance review highlights affordable options for high-risk drivers, including those with prior violations.
Cons
- Limited Discounts: Travelers offer fewer discounts than competitors like Geico and Allstate, which can reduce potential savings.
- Average Customer Service: Some New York drivers report average experiences with Travelers’ customer service and claims handling.
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#8 – The General: Best for High-Risk Drivers
Pros
- Affordable for High-Risk Drivers: If you’re a high-risk driver, The General provides some of the most affordable auto insurance in New York, with rates as low as $93 per month.
- Easy Online Application: The General’s online application is simple to use and makes getting insured relatively easy, streamlining the process of anyone looking for car insurance in New York.
- Flexible Payment Plans: The General provides numerous payment choices, allowing NY customers to manage their premiums without concern.
Cons
- Limited Coverage Options: While The General offers decent coverage, it doesn’t provide as many customizable options as other auto insurance providers in New York.
- Lower Financial Rating: With an A rating from A.M. Best, the General auto insurance review shows that its financial strength is slightly lower than that of companies like Travelers, which offer more stability.
#9 – Auto-Owners: Best for Family Bundles
Pros
- Family-Friendly Bundling Options: Auto-Owners allow NY policyholders to bundle car, home, and life insurance policies, offering significant savings.
- High Financial Strength: With an A++ rating by A.M. Best, this company is strong enough financially for auto insurance in New York. Learn more in our Auto-Owners auto insurance review.
- Reliable Claims Process: Auto-Owners is a good car insurance company in New York. It processes claims quickly and offers highly-rated customer service.
Cons
- Higher Premiums: At $96 per month, Auto-Owners’ rates are higher than competitors, which may be less affordable for budget-conscious drivers.
- Limited Online Tools: Auto-Owners lack the advanced digital tools offered by providers like Progressive, which may inconvenience those who prefer managing their policies online.
#10 – Liberty Mutual: Best for Flexible Payments
Pros
- Flexible Payments: Liberty Mutual offers flexible payment options, allowing New York drivers to pay for their car insurance premiums in ways that fit their budget.
- Comprehensive Coverage: Add-ons include rental car reimbursement and accident forgiveness.
- Nationwide Service: Liberty Mutual offers quality service in New York and throughout the U.S.
Cons
- Higher Premiums: At $104 per month, Liberty Mutual’s NY car insurance rates are more expensive, which may deter drivers seeking affordable auto insurance in New York on a tight budget.
- Moderate Financial Rating: Liberty Mutual’s A rating from A.M. Best is lower than that of other competitors, impacting its financial trustworthiness in Liberty Mutual auto insurance reviews.
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New York Car Insurance Coverage and Rates
Rates for auto insurance in New York vary by provider and coverage level. Geico offers the lowest rates for minimum coverage at $40/month. and full coverage at $78/month. Progressive and American Family provide competitive options, while Liberty Mutual and Auto-Owners rates are higher than the average cost of car insurance in New York.
New York Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $76 | $147 |
| $70 | $136 |
| $96 | $192 |
| $40 | $78 |
| $104 | $200 |
| $85 | $164 |
| $50 | $96 |
| $71 | $137 |
| $93 | $188 |
| $90 | $175 |
Choosing the best auto insurance in North Ballston Spa, NY, requires knowing the coverage options. Minimum coverage meets state requirements; complete coverage covers comprehensive and collision protection. Your budget and the worth of the automobile should determine this.
Take advantage of the safe driver discount for clean records, bundling insurance, or having safety equipment in your vehicle. By comparing rates, you can secure reasonable and trustworthy coverage.
Best New York Car Insurance Discounts
Choosing the right car insurance in New York can be tough, especially when searching for cheap auto insurance. You want affordable rates, solid coverage, and good customer service.
| Insurance Company | Anti-Theft Discount | Bundling Discount | Good Driver Discount | Good Student Discount | UBI Discount |
|---|---|---|---|---|---|
| 10% | 25% | 30% | 10% | 15% |
| 5% | 29% | 25% | 15% | 12% |
| 10% | 22% | 20% | 10% | 10% |
| 15% | 25% | 22% | 15% | 20% |
| 10% | 25% | 30% | 12% | 12% |
| 10% | 20% | 25% | 10% | 10% |
| 10% | 20% | 31% | 10% | 15% |
| 15% | 17% | 20% | 12% | 10% |
| 8% | 15% | 10% | 5% | 5% |
| 15% | 23% | 20% | 12% | 15% |
Top providers like Allstate, Geico, and Progressive offer bundling, good drivers, and anti-theft device discounts. These discounts are between 5% and 30%, and they all help you save on your premiums.
Comparing deals from leading companies is very important when finding auto insurance in New York. However, State Farm and Liberty Mutual offer multi-policy and good driver discounts. Progressive and Nationwide offer accident-free and low-mileage options.
New York Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Multi-Policy Discount | A | 25% | State Farm, Geico, Progressive |
| Good Driver Discount | A- | 20% | Allstate, Travelers, Nationwide |
| Safety Features Discount | B+ | 15% | Liberty Mutual, Farmers, AAA |
| Defensive Driving Course | B | 10% | Geico, State Farm, Amica |
| Low Mileage Discount | B- | 8% | Nationwide, Travelers, Progressive |
By comparing these discounts and customer service, you can find cheap auto insurance in NY that meets your budget and coverage needs. Find the right provider to ensure the best value and service.
New York Minimum Coverage
In New York, drivers must have minimum liability insurance, including bodily injury liability insurance of $25,000 per person and $50,000 per accident, along with $10,000 for property damage and $50,000 in personal injury protection (PIP).
Uninsured motorist coverage is also required to cover bodily injury costs if the other driver is uninsured. However, this coverage may not fully cover expenses in a serious accident.
As a no-fault state, New York requires you to file a claim with your insurance for injuries, regardless of fault. This system covers medical costs but not vehicle damage, which can be claimed against the at-fault driver.
Geico offers the best auto insurance in New York with comprehensive coverage, including bodily injury liability and personal injury protection, ideal for a no-fault state.
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When choosing auto insurance in New York, consider whether additional coverage is needed. Those looking for auto insurance in Potsdam, NY, or other areas may want to explore higher coverage for more protection.
Find the Cheapest Insurance in New York
Looking for the right coverage at an affordable price has never been easier. Follow these simple steps to compare rates from top providers across New York’s largest cities.
- Select Your City: Albany, Rochester, Buffalo, Syracuse, Mount Vernon, Yonkers, and New York City are the major cities in New York from which to choose.
- Enter Your Personal Information: Fill in straightforward information about yourself so you can get precise quotations relevant to your needs.
- Review Available Insurance Providers: Look through your chosen city’s verified and high-rated insurance companies.
- Compare Coverage Options: Analyze other plans and coverage choices for adequate fit according to your requirements and budget.
- Choose the Best Plan for You: Select the insurance plan that offers the best value and comprehensive coverage.
Follow these steps to compare insurance quotes and find the best offer effortlessly.
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Premiums as a Percentage of Income
New York’s average disposable income was $47,446, while full-coverage auto insurance cost $1,327.82, or 2.80% of income. Neighboring states typically have lower insurance policy premiums, which may affect relocation decisions.
New York Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Coverage Options | A- | Comprehensive range of coverage available. |
| Claims Processing | B+ | Efficient claims process for most providers. |
| Customer Satisfaction | B | Mixed reviews on provider responsiveness. |
| Premium Stability | B- | Rates fluctuate based on risk factors. |
| Policy Customization | C+ | Limited flexibility in tailoring policies. |
| Affordability | C | Premiums higher than the national average. |
The table highlights New York’s auto insurance market. Coverage options are strong (A—), claims processing is efficient (B+), but affordability (C) and policy customization (C+) remain concerns, especially when comparing the average car insurance in NYC to other states.
Additional Liability Coverage
Accidents and claims in New York differ by city. New York City, for example, has 50,000 incidents and 38,000 claims per year. Accidents and claims in New York differ by city. New York City, for example, has 50,000 incidents and 38,000 claims per year.
New York Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Albany | 1,850 | 1,450 |
| Buffalo | 3,400 | 2,720 |
| New Rochelle | 2,000 | 1,600 |
| New York City | 50,000 | 38,000 |
| Rochester | 4,200 | 3,360 |
| Saratoga Springs | 1,100 | 880 |
| Syracuse | 3,800 | 3,040 |
| Utica | 1,300 | 1,040 |
| White Plains | 1,700 | 1,360 |
| Yonkers | 2,800 | 2,240 |
Automobile liability coverage is critical, especially in high-risk areas. While omitting additional liability coverage may save you money, it may also put you at risk.
5 Common Auto Insurance Claims in New York
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Rear-End Collisions | 30% | $4,200 |
| Parking Lot Accidents | 25% | $2,500 |
| Single-Vehicle Damage | 20% | $3,800 |
| Intersection Accidents | 15% | $6,500 |
| Side-Impact Collisions | 10% | $7,200 |
Claims like rear-end collisions and parking lot accidents can cost $2,500 to $7,200. The average car insurance cost in NYC may increase with more coverage, but it provides valuable financial protection.
Affordable Auto Insurance Options and Savings in New York
Compare quotes for cheap auto insurance in New York from top providers like Geico, Progressive, and American Family. Rates for these companies can start as low as $40 per month and provide different types of coverage to fit your budget.
Car insurance discounts for safe drivers, bundling, and anti-theft devices can further lower premiums. With New York’s no-fault system and required coverage, balancing affordability with reliable protection is essential. Start comparing NY coverage auto insurance rates by entering your ZIP code here.
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Frequently Asked Questions
What is the cheapest auto insurance in New York?
Geico offers the cheapest auto insurance in New York, with rates starting at $40 per month for minimum coverage. Look at our auto insurance coverage options for expanded insights.
Which auto insurance company is best for customizable coverage in New York?
Progressive and American Family offer the best customizable coverage options in New York. Use our free comparison tool to see what auto insurance quotes look like in your area.
Do I need uninsured motorist coverage in New York?
New York law requires car insurance in Potsdam, NY, to cover bodily injury through uninsured motorist coverage if the other driver is uninsured.
Is New York a no-fault state for auto insurance?
Yes, New York is a no-fault state, meaning drivers must file claims with their insurance for injuries, regardless of fault. Read more in our no-fault auto insurance.
What discounts are available on auto insurance in New York?
For the best auto insurance in Hudson Falls, NY, discounts such as safe driver, bundling, and anti-theft device discounts can reduce your premiums by 5% to 30%.
How might a clean driving record help me save money on auto vehicle insurance?
Yes, having a clean driving record can make you eligible for discounts, such as safe driver discounts. Get fast and cheap auto insurance coverage today with our quote comparison tool.
Which New York auto insurance is ideal for drivers who pose a high risk?
The General offers top options for high-risk drivers in New York, with coverage tailored to New York auto insurance rates. Look at our roadside assistance for expanded insights.
How does auto insurance in New York compare to other states?
Auto insurance in New York tends to be pricier than in surrounding states, with the average NYC car insurance premium accounting for about 2.80% of disposable income.
How can I get additional liability coverage in New York?
Discuss higher limits with your insurance provider to get additional liability coverage, whether you’re looking for affordable auto insurance in Hudson Falls, NY, or more coverage.
Why is comparing auto insurance rates important in New York?
Comparing auto insurance rates ensures you find the best deal for your coverage needs, saving money while providing adequate protection. Compare auto insurance companies here.