Cheap car insurance in New York

There isn’t one best New York car insurance company for every driver. The best car insurance company for you will depend on numerous factors, like the vehicle make and model, your driving record and the types of coverage you need. When shopping for auto insurance, it may benefit you to look for providers that offer a good combination of price, coverage options and discounts. It may also benefit you to look for insurers with good customer service ratings and financial strength ratings that indicate the company can meet its claims responsibilities.

The average cost of car insurance in New York is $341 per month for full coverage and $148 per month for minimum coverage. 

Yes, New York law requires every vehicle on the road to be registered and insured. However, insurance follows the vehicle. This means you may not always need your own policy if you're driving someone else's car, but any vehicle being driven must have active insurance.  

Finding the cheapest auto insurance in New York can be a process, but there are some tried and true methods to help your search. First, it's essential to understand that each insurer assesses risk differently based on personalized factors, meaning there’s no universally cheapest car insurance company for everyone. When looking for the most affordable car insurance company for you, the best strategy is to shop around. When requesting free insurance quotes, it’s essential to specify the same coverage selections and policy limits so your comparisons are apples to apples. 

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan. 

Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.

Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.

Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. 

The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.