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Best car insurance in New York for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in New York
After reviewing average premium data from Quadrant Information Services, coverage options, discounts and more, Bankrate found that Geico, USAA, Progressive, State Farm and Allstate were among the best car insurance companies in New York. Our analysis also factors in AM Best financial strength ratings and customer satisfaction scores from the 2024 J.D. Power U.S. Auto Insurance Study. Most of the carriers on our list have annual premiums below the New York annual average of $3,967 for full coverage and $1,691 for minimum coverage.
If you’re shopping for car insurance in New York, you may want to start with quotes from these carriers:
|
|
|
|
---|---|---|---|
4.3
|
$3,315
|
$1,304
|
|
4.4
|
$2,600
|
$1,364
|
|
4.3
|
$4,468
|
$2,472
|
|
4.3
|
$3,873
|
$1,631
|
|
3.9
|
$3,916
|
$1,949
|
Geico
Best for discounts
4.3
4.3
Avg. full coverage premium
$276/mo
Avg. full coverage premium
$3,315/yr
Customer satisfaction
649/1,000
-
Why Geico made our list: On top of low average New York car insurance premiums, Geico offers a long list of potential discounts for extra savings. You might save money if you are a federal employee, a member of the military, have certain safety features on your vehicle or have been accident-free for five years. Geico also took home a 2025 Bankrate Award for being the Best Auto Insurance Company for High-Risk Drivers, which could be a significant advantage for city drivers who have been involved in an accident as a result of the state’s dense traffic and congested roadways. It also fared well in the 2024 J.D. Power U.S. Auto Insurance Study in New York. However, Geico might not be a good fit if you are looking for a highly-personalized policy, as the company’s list of additional coverage is short compared to many other national insurers. Additionally, Geico’s rating in the 2024 J.D. Power U.S. Digital Experience Study substantially fell year over year, so Geico may need to update its mobile app and online services to keep up with its competitors in satisfying tech-savvy customers
Who Geico may be good for: If you value discounts and ways to save on your car insurance, you may want to consider getting a quote from Geico, especially if you have a not-so-perfect driving record.
Learn more: Geico insurance review
Progressive
Best for low average rates
4.4
4.4
Avg. full coverage premium
$217/mo
Avg. full coverage premium
$2,600/yr
Customer satisfaction
621/1,000
-
Why Progressive made our list: Among the carriers we studied, Progressive delivers the best value in New York, offering the most affordable full coverage policies on our list on average. In addition to low average rates, you may be able to save even more with discounts for online quoting, paperless policy documents and continuous coverage. Progressive also has a robust portfolio of digital tools, which might be appealing if you like to handle your insurance virtually. In fact, Progressive received the top honor in the 2024 J.D. Power U.S. Digital Experience Study. However, Progressive does have a slightly lower-than-average customer satisfaction rating with J.D. Power in the New York region and its 2024 U.S. Auto Claims Satisfaction score is abysmal, which may indicate that not all customers are satisfied with the service they receive.
Who Progressive may be good for: Progressive’s long list of discounts and low average rates may make it a good company for New Yorkers looking for cheap coverage. First-time auto insurance shoppers may also appreciate the carrier's Name Your Price tool, which allows you to input your budget and compare matching coverage options.
Learn more: Progressive insurance review
State Farm
Best for local agents
4.3
4.3
Avg. full coverage premium
$372/mo
Avg. full coverage premium
$4,468/yr
Customer satisfaction
662/1,000
-
Why State Farm made our list: If you like consolidating your policies with one company, State Farm could be one of the best insurance companies in New York as it also offers home, renters and life coverage. The company also has a widespread agency network, so if you are looking for a local agent, State Farm may be worth considering. This in-person approach may have certainly helped contribute to State Farm’s above-average customer satisfaction trifecta among the three 2024 J.D. Power studies we looked at, including the digital study for the service category. However, State Farm does not offer gap insurance and accident forgiveness takes years to earn, so if those are dealbreakers for you, you may need to consider other New York insurers.
Who State Farm may be good for: While the insurance industry is becoming increasingly digital, many drivers still prefer to handle their policies with a local agent. State Farm offers the best of both worlds and its network of over 19,000 agents across the country means there is probably an agency near your New York residence.
Learn more: State Farm insurance review
USAA
Best for military-focused coverage
4.3
4.3
Avg. full coverage premium
$323/mo
Avg. full coverage premium
$3,873/yr
Customer satisfaction
746/1,000
-
Why USAA made our list: We think USAA is so worth checking out that we awarded it our top honor in the 2025 Bankrate Awards, Best Auto Insurance Company Overall (tied with Amica). USAA also consistently earns high scores for customer satisfaction from J.D. Power, although it does not qualify for official ranking because it only sells insurance to current and former military members and eligible family members—a limitation that we also considered when awarding it a tie for the top spot in our Awards. While many drivers aren’t eligible for USAA, those who are might enjoy exceptional customer service as well as military-tailored coverage options and discounts, like potential savings of up to 60 percent if you store your vehicle while deployed.
Who USAA may be good for: USAA might be a good option if you value exceptional customer satisfaction, due to the company’s consistently high scores from J.D. Power, or if you are looking for military-focused coverage options.
Learn more: USAA insurance review
Allstate
Best for coverage add-ons
3.9
3.9
Avg. full coverage premium
$326/mo
Avg. full coverage premium
$3,916/yr
Customer satisfaction
627/1,000
-
Why Allstate made our list: Allstate offers numerous optional coverage types to help you tailor your policy to your needs. You could add sound system insurance, rental reimbursement coverage or roadside assistance to build a policy that works for you. However, Allstate’s rates are typically at or near the New York state average, which means it may not be the most competitive option for cost-conscious drivers. You might be able to lower your premium by taking advantage of the company’s discounts, including savings for new cars, smart students and safe drivers. For those to whom customer service is paramount, Allstate does score below average in New York in the J.D. Power 2024 Auto Insurance Study as well as in the 2024 Auto Claims Satisfaction study, but comes out ahead in the 2024 Digital Experience Study. So it seems customers aren’t generally thrilled with its customer service but do like its digital tools.
Who Allstate may be good for: If you have custom equipment on your car or are simply looking for a car insurance company in New York that offers plenty of ways to personalize your auto insurance, you could consider Allstate.
Learn more: Allstate insurance review
How Bankrate chose the best car insurance companies in New York
Finding affordable car insurance that meets your coverage needs can be more challenging in New York where average rates are high, but Bankrate's insurance editorial team has done some of the legwork for you. We started our review by analyzing average car insurance rates provided by Quadrant Information Services for the largest auto insurance companies in New York by market share. Then, we reviewed third-party scores from companies like J.D. Power and ratings from AM Best. Finally, we analyzed each company’s coverage offerings, discounts and digital tools.
We combined these metrics into a single Bankrate Score. The scores are on a scale from 0.0 to 5.0, with higher scores meaning that the company ranked better. Our proprietary scoring method is designed to aid in your comparison of providers and help you feel more confident when making insurance decisions.
Why you can trust Bankrate
Read our full methodologyTo help New York drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in New York
Insurance is a highly-individualized product, and finding New York’s best car insurance will depend on your personal needs. The following steps can point you in the right direction as you start evaluating quotes:
New
A state law went into effect in New York on August 1, 2023 requiring car insurance companies to add supplemental spousal liability coverage to all policies, regardless of whether the policyholder is married or not. However, drivers can opt out of this coverage in writing.
If you saw your premium increase last year in New York, this new coverage requirement may be partially to blame. However, insurance rates in New York are typically higher than most of the rest of the country even without this law.
Related content:
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in New York?
The average cost of car insurance in New York is $3,967 annually for full coverage and $1,691 annually for minimum coverage. These averages are significantly higher than the national average prices of $2,670 per year for full coverage and $773 per year for minimum coverage. New York’s average rates also far outstrip the average rates of surrounding states.
For example, Pennsylvania drivers pay an annual average of $2,436 for full coverage and $517 for minimum coverage, and drivers in Vermont pay an average of $1,497 per year for full coverage and $313 per year for minimum coverage.
The high population density in New York may be partly to blame for these high premiums. More vehicles on the road mean a greater chance of getting into an accident. To compensate for higher risk, auto insurers often charge a higher premium. New York also has higher minimum coverage requirements than many other states, driving up the average cost of state-mandated insurance minimums.