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Finding the best car insurance in New York isn’t always easy. For a lot of people, picking a company can feel like throwing darts at a dart board with your eyes closed. That’s true whether you live in the heart of Manhattan or the tip of one of the Finger Lakes. Thankfully, we’ve done the legwork for you.
NerdWallet analyzed 22 insurance companies in the Empire State to help you find the best option. We split our top picks into four categories:
Best car insurance category | Company winner |
|---|---|
Best overall | Travelers |
Best budget pick | Progressive |
Best for having few customer complaints | The Hanover |
Best for ease of use | State Farm |
For the full list of best car insurance companies in New York, skip to the bottom.
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How we found the best car insurance in New York
NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance in NY. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our list of the best insurers in the state, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
Best car insurance in New York overall: Travelers
Best Overall 5.0 NerdWallet rating Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy. Discounts Great set of discounts Ease of use Above average NAIC complaints Fewer than expected Best Overall Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy. Discounts Great set of discounts Ease of use Above average NAIC complaints Fewer than expected
Travelers
Travelers
Why it’s the best
Travelers holds the highest overall score out of the 22 companies in New York we analyzed. The company stands out for its ease of use, robust mobile app and relatively few customer complaints. Travelers also holds a strong presence in New York, with over 3,000 insurance agencies available to field questions. It earned the top spot in our overall best car insurance companies of 2024.
Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company.
» Read the full review: Travelers auto insurance review
Best car insurance in New York for your budget: Progressive
best budget pick 4.5 NerdWallet rating Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction. Discounts Great set of discounts Ease of use Above average NAIC complaints Close to expected best budget pick 4.5 NerdWallet rating Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction. Discounts Great set of discounts Ease of use Above average NAIC complaints Close to expected
Progressive
Progressive
Why it’s the best
When it comes to the best car insurance for your wallet, Progressive comes out on top. According to our analysis, the average rate for full coverage car insurance from Progressive is $107 a month in New York. That’s the cheapest car insurance rate among our list of top-rated insurers. However, your own rate may be different. The company also offers 13 discounts drivers may qualify for.
For a more comprehensive list, check out NerdWallet’s analysis of cheap car insurance in New York, which includes the absolute cheapest companies.
» Read the full review: Progressive auto insurance review
Best car insurance in New York for having few customer complaints: The Hanover
Best for having few customer complaints 4.5 NerdWallet rating The Hanover sells highly customizable policies in 20 states. Discounts Great set of discounts Ease of use Average NAIC complaints Far fewer than expected Best for having few customer complaints 4.5 NerdWallet rating The Hanover sells highly customizable policies in 20 states. Discounts Great set of discounts Ease of use Average NAIC complaints Far fewer than expected
The Hanover
The Hanover
Why it’s the best
The Hanover is the best car insurance company in New York for having the fewest customer complaints to state regulators relative to insurers of its size. While you have to work with an independent agent to get a quote, the company offers a unique set of coverage options drivers can use to customize their policies. For example, drivers can sign up for its Travel Right insurance, which pays for lodging and travel expenses when experiencing a covered loss more than 100 miles from home. Customers can unlock more coverage packages when bundling their homeowners insurance with their auto policy.
» Read the full review: The Hanover auto insurance review
Best car insurance in New York for ease of use: State Farm
best for ease of use 5.0 NerdWallet rating State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers. Discounts Average set of discounts Ease of use Above average NAIC complaints Fewer than expected best for ease of use 5.0 NerdWallet rating State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers. Discounts Average set of discounts Ease of use Above average NAIC complaints Fewer than expected
State Farm
State Farm
Why it’s the best
State Farm is the best car insurance company in New York for ease of use. Customers can navigate its easy to use website to view policy details and pay premiums. State Farm also offers a highly rated mobile app where users can access ID cards, file a claim, connect with an agent and more. Tech-savvy customers can even access their policy information and perform other tasks through an Amazon Alexa device. State Farm earned the top spot for customer satisfaction in our overall best car insurance companies of 2024.
» Read the full review: State Farm auto insurance review
Full list of the best car insurance in NY
If you’re looking for even more options, NerdWallet analyzed 22 car insurers to find the best car insurance companies in New York. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.
Company | Star rating |
|---|---|
Amica | 5.0 NerdWallet rating |
Geico | 5.0 NerdWallet rating |
State Farm | 5.0 NerdWallet rating |
Travelers | 5.0 NerdWallet rating |
USAA* | 5.0 NerdWallet rating |
Allstate | 4.5 NerdWallet rating |
Chubb | 4.5 NerdWallet rating |
Farmers | 4.5 NerdWallet rating |
Nationwide | 4.5 NerdWallet rating |
Progressive | 4.5 NerdWallet rating |
The Hanover | 4.5 NerdWallet rating |
*USAA is only available to military, veterans and their families. | |
» MORE: The best car insurance companies
How to get the best car insurance in New York
Still not sure which company to go with? Try these tips:
Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.
Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.
Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.
Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.
» MORE: How to get the best car insurance
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
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