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Best car insurance in New York for 2024

Bankrate’s proprietary analysis identified Geico, USAA, Progressive, State Farm and Allstate as the best car insurance providers in New York state.

Updated Feb 21, 2024
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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 2023 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 $3,848 for full coverage and $1,661 for minimum coverage.

If you’re shopping for car insurance in New York, you may want to start with quotes from these carriers:

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$3,721
$1,365
4.2
Rating: 4.2 stars out of 5
$4,210
$1,676
4.4
Rating: 4.4 stars out of 5
$2,275
$1,327
4.3
Rating: 4.3 stars out of 5
$3,540
$1,869
3.9
Rating: 3.9 stars out of 5
$3,906
$1,907

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$321/mo

Avg. full coverage premium

$3,848/yr

Customer satisfaction

Not rated

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$364/mo

Avg. full coverage premium

$4,365/yr

Customer satisfaction

Not rated

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$190/mo

Avg. full coverage premium

$2,275/yr

Customer satisfaction

Not rated

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$312/mo

Avg. full coverage premium

$3,748/yr

Customer satisfaction

Not rated

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$340/mo

Avg. full coverage premium

$4,082/yr

Customer satisfaction

Not rated

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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.

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Why you can trust Bankrate

Read our full methodology

To 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

20.7K

ZIP codes examined

1.2M

quotes analyzed

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Insurance Disclosure

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 to find the best car insurance in New York

Insurance is a highly-individualized product, and finding the best company will depend on your personal needs. The following steps can point you in the right direction as you start evaluating quotes:

New

New York introduces additional minimum coverage requirements

A new state law went into effect in New York on August 1, 2023 requiring auto 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 at renewal in New York, this new coverage requirement may be partially to blame. However, insurance rates are on the rise in New York even without this law. The average annual full coverage insurance premium increased by $143 in the state from 2022 to 2023. New York's average full coverage rate is second-highest in the U.S. behind Florida.

Related content:

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Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 $3,848 annually for full coverage and $1,661 annually for minimum coverage. These averages are significantly higher than the national average prices of $2,545 per year for full coverage and $741 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 $2,791 for full coverage and $522 for minimum coverage, and drivers in Vermont pay an average of $1,359 per year for full coverage and $311 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.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in New York

Car insurance rates can be complicated, but Bankrate aims to simplify the process. With Bankrate’s calculator, you can get a rough estimate of your insurance costs by entering a couple basic pieces of information.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute