We found that, on average, Kemper has the cheapest car insurance rates in New York. Car insurance from Kemper costs $79 per month ($951 per year), which is $1,097 cheaper per year than the state average.
Compare rates and shop affordable car insurance today
We don't sell your information to third parties.
Other cheap car insurance companies in New York state include Progressive, Main Street America, NYCM, and GEICO. But the company with the lowest average rates may not be the cheapest for you, so find your best car insurance rates by comparing quotes before you buy.
Average cost per month | ||
---|---|---|
Kemper | $79 | |
Progressive | $91 | |
Main Street America | $94 | |
NYCM | $94 | |
GEICO | $109 |
Methodology & why you can trust our rates![Best Car Insurance in New York (2024) – Policygenius (1) Best Car Insurance in New York (2024) – Policygenius (1)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in New York
Kemper
![Best Car Insurance in New York (2024) – Policygenius (4) Best Car Insurance in New York (2024) – Policygenius (4)](https://i0.wp.com/images.ctfassets.net/3uw9cov4u60w/1d8EfC1Sbx5y52tDKJXAJg/581aae34c356d3135a73cca78beeae9f/Kemper.jpg?w=703&h=196&fl=progressive&q=50&fm=jpg)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
3.9
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A-
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Mobile app
Bundle home & auto
Good student discount
Offers gap coverage
Accident forgiveness
Why we chose it![Best Car Insurance in New York (2024) – Policygenius (10) Best Car Insurance in New York (2024) – Policygenius (10)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Kemper has cheaper-than-average rates for many drivers in New York, including the ones who might have a hard time finding affordable coverage with other companies.
Pros and cons![Best Car Insurance in New York (2024) – Policygenius (11) Best Car Insurance in New York (2024) – Policygenius (11)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Pros
Offers perks like diminishing deductible and accident forgiveness
Has new car replacement and gap insurance
Known for insuring high-risk drivers
Cons
Lower claims satisfaction scores than competitors
More details![Best Car Insurance in New York (2024) – Policygenius (12) Best Car Insurance in New York (2024) – Policygenius (12)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Why we chose Kemper:
Kemper is one of the best and cheapest car insurance companies in New York, and rates are affordable even for some drivers with an accident, DUI, speeding ticket, or poor credit.
In addition to low rates, Kemper offers a few add-ons like new car replacement or gap insurance coverage and perks like accident forgiveness and diminishing deductible.
How does the cost of car insurance from Kemper compare to average in New York?
The average cost of car insurance from Kemper in New York is $79 a month or $951 per year, which is 54% cheaper than the statewide average.
Read more about auto insurance resources
Progressive
![Best Car Insurance in New York (2024) – Policygenius (15) Best Car Insurance in New York (2024) – Policygenius (15)](https://i0.wp.com/images.ctfassets.net/3uw9cov4u60w/2hLOubd2LEieOegnJ7fXDo/d4b21966d733432ed391749cc812a20b/progressive-600x340.png?w=814&h=234&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
All 50 states
Good student discount
Mobile app
Offers gap coverage
Offers motorcycle insurance
Usage-based discount
Coverage for rideshare drivers
Why we chose it![Best Car Insurance in New York (2024) – Policygenius (21) Best Car Insurance in New York (2024) – Policygenius (21)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Progressive’s rates for car insurance are cheaper than average in New York, especially if you have any driving violations on your record. Drivers can also save by opting into Snapshot, which rewards safe driving with lower rates.
Pros and cons![Best Car Insurance in New York (2024) – Policygenius (22) Best Car Insurance in New York (2024) – Policygenius (22)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Pros
Rewards safe drivers
Offers rideshare insurance and other less-common coverages
Variety of discounts and ways to save
Cons
Premiums are above industry average
More details![Best Car Insurance in New York (2024) – Policygenius (23) Best Car Insurance in New York (2024) – Policygenius (23)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Why we chose Progressive:
Progressive is one of the cheapest car insurance companies in New York, even for drivers with an accident, DUI, or another violation on their record.
There are a wide range of coverage add-ons available, including gap insurance (which may be required by your lessor or lender), custom parts coverage, and pet coverage in case your companion is injured in a car accident.
How does the cost of car insurance from Progressive compare to average in New York?
The average cost of car insurance from Progressive in New York is $91 a month or $1,093 per year, which is 47% cheaper than the statewide average.
Read our full Progressive auto insurance review
Main Street America
![Best Car Insurance in New York (2024) – Policygenius (26) Best Car Insurance in New York (2024) – Policygenius (26)](https://i0.wp.com/images.ctfassets.net/3uw9cov4u60w/3ehjYXGRVubDor7BRHNh8V/e15d4bd5b61cc22765466702cc514c12/main-street-america.png?w=276&h=102&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.3
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
Good student discount
Accident forgiveness
Offers gap coverage
Why we chose it![Best Car Insurance in New York (2024) – Policygenius (32) Best Car Insurance in New York (2024) – Policygenius (32)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Part of the American Family group of companies, Main Street America offers cheaper-than-average rates in New York and lots of coverage options to choose from.
Pros and cons![Best Car Insurance in New York (2024) – Policygenius (33) Best Car Insurance in New York (2024) – Policygenius (33)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Pros
Lower-than-average rates
Offers affordable coverage to high-risk drivers
Receives fewer complaints than average for its service
Cons
Coverage isn’t available in every state
More details![Best Car Insurance in New York (2024) – Policygenius (34) Best Car Insurance in New York (2024) – Policygenius (34)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Why we chose Main Street America:
Main Street America, which is a part of American Family’s group of insurance companies, is one of the best and cheapest options for car insurance in New York, and offers a small handful of discount options.
You can upgrade a basic Main Street America policy with a range of add-ons that some larger companies don’t offer, including gap insurance, new car replacement, OEM parts replacement, and personal belongings coverage.
How does the cost of car insurance from Main Street America compare to average in New York?
The average cost of car insurance from Main Street America in New York is $94 a month or $1,122 per year, which is 45% cheaper than the statewide average.
Read our full review of American Family
NYCM
![Best Car Insurance in New York (2024) – Policygenius (37) Best Car Insurance in New York (2024) – Policygenius (37)](https://i0.wp.com/images.ctfassets.net/3uw9cov4u60w/5IhYWQ3aj8JDcjMg7ESngo/12a7ea6ead09b7c7a5c6d5acecae939f/NYCM_logo.png?w=1280&h=385&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
NA
Bundle home & auto
Mobile app
Good student discount
Offers motorcycle insurance
Offers classic car insurance
Why we chose it![Best Car Insurance in New York (2024) – Policygenius (43) Best Car Insurance in New York (2024) – Policygenius (43)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
NYCM is a regional car insurance company that only offers coverage in New York. It’s a good choice if you’re looking for straightforward, affordable coverage — but another company might be better if you want to customize your policy.
Pros and cons![Best Car Insurance in New York (2024) – Policygenius (44) Best Car Insurance in New York (2024) – Policygenius (44)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Pros
Rates tend to be much lower than average
Offers a few levels of roadside assistance
Receives very few complaints from policyholders
Cons
Very few options for adding coverage to a basic policy
More details![Best Car Insurance in New York (2024) – Policygenius (45) Best Car Insurance in New York (2024) – Policygenius (45)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Why we chose NYCM:
We found that NYCM has some of the cheapest car insurance in the Empire State, especially if you’re a young driver or there’s a teen driver in your family.
We recommend NYCM for its simplicity, but it’s not for everyone. You can add roadside assistance to a basic full-coverage NYMC policy, but otherwise there’s not a lot of room to customize your coverage.
How does the cost of car insurance from NYCM compare to average in New York?
The average cost of car insurance from NYCM in New York is $94 a month or $1,125 per year, which is 45% cheaper than the statewide average.
Read about what to know about buying car insurance
GEICO
![Best Car Insurance in New York (2024) – Policygenius (48) Best Car Insurance in New York (2024) – Policygenius (48)](https://i0.wp.com/images.ctfassets.net/3uw9cov4u60w/3gwzB74sVrXF0eBHrB0RoZ/0657b2e3468de17efecad2b082646cbb/geico.png?w=1920&h=1080&q=50&fm=png)
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.7
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Offers classic car insurance
All 50 states
Offers motorcycle insurance
Good student discount
Mobile app
Usage-based discount
Why we chose it![Best Car Insurance in New York (2024) – Policygenius (54) Best Car Insurance in New York (2024) – Policygenius (54)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
GEICO is among our picks for top car insurance companies in New York because of its low rates, convenient mobile app, and solid customer service.
Pros and cons![Best Car Insurance in New York (2024) – Policygenius (55) Best Car Insurance in New York (2024) – Policygenius (55)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Pros
Available in all 50 states
Easy-to-use digital tools
Plenty of discounts
Cons
Only sells through GEICO agents
Doesn’t underwrite its other products
More details![Best Car Insurance in New York (2024) – Policygenius (56) Best Car Insurance in New York (2024) – Policygenius (56)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Why we chose GEICO
GEICO is one of the best and cheapest car insurance companies in New York. You can even find cheap car insurance with GEICO if you have poor credit or if you need to add a teen driver to your policy.
We also like GEICO’s mobile app, which lets you estimate your repair costs after an accident. Despite its large size, GEICO still gets fewer complaints from its customers than expected.
How does the cost of car insurance from GEICO compare to average in New York?
The average cost of car insurance from GEICO in New York is $109 a month or $1,303 per year, which is 36% cheaper than the statewide average.
Read our full GEICO auto insurance review
Best car insurance companies in New York
The best car insurance company in New York is USAA according to J.D. Power’s 2023 Auto Insurance Study, which measures how policyholders feel about their company’s service, billing, claims, and premiums. [1]
NYCM is the second-best company in New York, and the best for people who aren’t affiliated with the military and aren’t eligible for coverage from USAA.
Company | Score | |
---|---|---|
1 | USAA | 879 |
2 | New York Central Mutual | 842 |
3 | State Farm | 826 |
4 | GEICO | 821 |
4 | Travelers | 821 |
Cheapest car insurance companies by age in New York
In New York, young drivers tend to pay higher car insurance rates than more experienced drivers. That’s because they’re more likely to be in an accident and make a claim. The good news is that as teen drivers get older and more experienced, costs tend to decrease.
We found that the cheapest car insurance in New York for newly licensed drivers is NYCM.
Age | Cheapest company | Average cost |
---|---|---|
16 | New York Central Mutual | $2,463 |
18 | New York Central Mutual | $2,023 |
21 | New York Central Mutual | $1,552 |
25 | Kemper | $1,137 |
30 | Kemper | $1,003 |
35 | Kemper | $949 |
45 | Kemper | $903 |
55 | Kemper | $839 |
60 | Kemper | $815 |
65 | Kemper | $844 |
70 | Kemper | $876 |
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Choosing the right car insurance company in New York
With so many factors that determine the price of car insurance, it can be overwhelming to find a policy that works for you. Here’s what to look for when choosing a new car insurance company:
Customer Service: Does the company have a website? How easy is it to use? Are there offices nearby where you can speak directly with an agent? Do they return phone calls promptly?
Cost: Don’t overpay for car insurance. Ask about discounts and other ways to save on your insurance, and compare quotes to find your best rates.
Coverage options: Does the company offer all the types of coverage you need? Can you bundle your home, renters, boat or motorcycle coverage with them too?
Policygenius can help you get car insurance quotes and choose the best coverage based on your needs.
Compare rates and shop affordable car insurance today
We don't sell your information to third parties.
Car insurance rates for drivers with driving violations in New York
With car insurance rates already so pricey in New York, the last thing you need is a speeding ticket, accident, or other violation raising your rates. Your rates will return to average after a few years of safe driving.
We found that the cheapest car insurance for New York drivers with a past accident or driving violation is usually Progressive, Main Street America or Kemper.
![Best Car Insurance in New York (2024) – Policygenius (59) Best Car Insurance in New York (2024) – Policygenius (59)](https://i0.wp.com/images.ctfassets.net/3uw9cov4u60w/55DVmj29jmTYLEFDMiDlVo/2e02afe531ae56fbd30f6bdd7cf3f4b8/driving-violations-ny.jpg?w=1100&h=1438&fl=progressive&q=50&fm=jpg)
Violation | Kemper | Progressive | Main Street America | New York Central Mutual | GEICO | USAA |
---|---|---|---|---|---|---|
At-fault accident | $1,429 | $1,777 | $1,524 | $1,509 | $2,039 | $1,919 |
Suspended license | $1,402 | $1,613 | $1,476 | $1,851 | $2,671 | $1,941 |
Open container | $1,280 | $1,174 | $1,476 | $1,181 | $1,410 | $1,652 |
Expired registration | $1,280 | $1,174 | $1,249 | $1,181 | $1,279 | $1,652 |
Driving without lights | $1,280 | $1,174 | $1,249 | $1,181 | $1,410 | $1,652 |
Running a red light | $1,280 | $1,174 | $1,249 | $1,181 | $1,410 | $1,652 |
Following too closely | $1,280 | $1,174 | $1,249 | $1,181 | $1,410 | $1,652 |
Hit and run | $1,402 | $1,613 | $1,476 | $1,851 | $3,775 | $2,164 |
Not-at-fault accident | $1,000 | $1,140 | $1,198 | $1,181 | $1,343 | $1,652 |
Passing a school bus | $1,280 | $1,174 | $1,476 | $1,181 | $1,410 | $1,652 |
Reckless driving | $1,402 | $1,613 | $1,476 | $1,692 | $2,671 | $2,164 |
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Cheapest car insurance after an accident in New York
The cheapest car insurance company in New York after an at-fault accident is Kemper. The average cost of car insurance from Kemper after an accident is $119 a month, or $1,429 a year once there’s an at-fault accident on your record.
Rates for drivers with an at-fault accident | |
---|---|
Kemper | $1,429 |
Main Street America | $1,524 |
NYCM | $1,509 |
Progressive | $1,777 |
USAA | $1,919 |
Cheapest car insurance for drivers with a DUI in New York
The cheapest car insurance company with a DUI on your record in New York is Progressive. On average, the cost of car insurance from Progressive after a DUI is $99 a month or $1,190 a year.
Rates for drivers with DUIs | |
---|---|
Progressive | $1,190 |
Kemper | $1,402 |
Main Street America | $1,476 |
New York Central Mutual | $1,851 |
USAA | $2,164 |
GEICO | $3,775 |
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Cheapest car insurance for drivers with a speeding ticket in New York
The cheapest car insurance after a speeding ticket in New York is Progressive. On average, you can get coverage from Progressive with a speeding ticket for $112 a month or $1,348 a year.
Rates for drivers with speeding tickets | |
---|---|
Progressive | $1,348 |
Kemper | $1,402 |
Main Street America | $1,476 |
New York Central Mutual | $1,509 |
USAA | $1,716 |
GEICO | $2,039 |
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Cheapest car insurance for drivers with bad credit in New York
Insurance companies use your credit score to determine insurance rates, and poor credit can lead to more expensive premiums.
The cheapest company for drivers in New York who have poor or bad credit is GEICO.
Rates for drivers with bad credit | |
---|---|
GEICO | $1,637 |
Utica National | $2,434 |
Kemper | $2,551 |
New York Central Mutual | $2,713 |
USAA | $2,877 |
Cheapest car insurance in New York by city
The cost of car insurance where you live depends on crime rates, population density, the number of accidents nearby, and other local factors. Here are the cheapest car insurance companies in the 10 most populated cities in New York.
Largest cities | Cheapest company | Average yearly rate for the cheapest company | Overall citywide average |
---|---|---|---|
New York | Kemper | $1,464 | $4,534 |
Hempstead | NYCM | $1,525 | $3,346 |
Brookhaven | Kemper | $1,049 | $2,326 |
Islip | Kemper | $1,047 | $2,594 |
Oyster Bay | Kemper | $1,143 | $2,698 |
Buffalo | Kemper | $900 | $2,061 |
Babylon | Kemper | $1,131 | $2,615 |
Rochester | Kemper | $679 | $1,440 |
Yonkers | Kemper | $1,093 | $2,739 |
Huntington | Kemper | $1,114 | $2,595 |
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Buying car insurance in New York
If your vehicle is registered in New York, state law says drivers must meet the following minimum insurance requirements:
$10,000 for property damage for a single accident
$25,000 for bodily injury and $50,000 for death for a person involved in an accident
$50,000 for bodily injury and $100,000 for death for two or more people in an accident
Have continuous coverage on a vehicle even if it is inoperable or not being driven.
The insurance must be issued by a company licensed by the New York State Department of Financial Services and certified by the NY State DMV.
New York is a no-fault state, which means that your car insurance company will pay your medical bills whether you caused the accident or not. No-fault insurance, also called PIP, only covers bodily injury and does not pay for auto body repair to your or another party’s damaged vehicle or personal property.
If you want to recoup the costs to repair a damaged or totaled vehicle, you should consider adding additional coverage like comprehensive or collision insurance to your policy. Working with our insurance experts can help you find the coverage you need at the best price.
→ Learn about pre-insurance CARCO inspections
How to get cheap car insurance in New York
Many insurance companies in New York offer ways to save on your car insurance. Here are some of the most common car insurance discounts and how to qualify:
Bundling discount: Combining your home and car insurance policy
Multi-car discount: Having more than one car and driver on your insurance policy
Safe-driver discount: For drivers without any accident claims during a given time frame or for those drivers who take a defensive driving course
Military discount: A discount for active-duty military and their family members
Good student discount: A discount for young drivers who earn good grades
These are just a few of the discounts offered by insurance companies, so be sure and ask about what others may apply to you.
Find car insurance in your city:
Best car insurance in Albany
Best car insurance in Buffalo
Best car insurance in New York City
Best car insurance in Rochester
Best car insurance in Syracuse
Compare rates and shop affordable car insurance today
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Frequently asked questions
Who has the lowest car insurance in New York?![Best Car Insurance in New York (2024) – Policygenius (64) Best Car Insurance in New York (2024) – Policygenius (64)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
According to our research, Kemper has the lowest rates in New York state, at $79 per month or $951 per year for full coverage.
What is the monthly cost of car insurance in New York?![Best Car Insurance in New York (2024) – Policygenius (65) Best Car Insurance in New York (2024) – Policygenius (65)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
The average monthly cost of car insurance in New York is $171, or $2,048 per year. But drivers can get cheaper rates from many companies in the state.
Does my driving history affect my car insurance rates?![Best Car Insurance in New York (2024) – Policygenius (66) Best Car Insurance in New York (2024) – Policygenius (66)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
Yes, having an accident or driving violation on your record will cause your rates to go up — sometimes significantly. We found that having an accident or a ticket can raise your rates by hundreds of dollars per year in New York.
What is the best company for young drivers in New York?![Best Car Insurance in New York (2024) – Policygenius (67) Best Car Insurance in New York (2024) – Policygenius (67)](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)
The best and cheapest car insurance company for young drivers in New York is NYCM. We found that it has the lowest average rates for drivers 21 years old and younger.