Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati....

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 25, 2022

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The Full Review

  • Car insurance in New York costs $132 a month on average
  • Main Street America is the cheapest company in New York
  • Car insurance companies in New York may recommend higher coverage limits

Are you looking for the cheapest car insurance in New York? You can find affordable New York auto insurance, but you’ll have to shop with the right companies to get affordable rates.

So, where can you find the best insurance companies in New York? Which city in New York has the most affordable rates? Don’t worry – we’re here to help.

Our guide explains the average cost of auto insurance in New York, the factors that produce cheap rates, and how you can save money on New York insurance. Continue reading to learn more about cheap car insurance in New York.

How much is car insurance in New York on average?

On average, New York car insurance costs $132 a month for full coverage. However, if you get the minimum liability coverage, you could pay around $70 per month.

Several factors determine whether cheap auto insurance in New York is available to you. For example, your driving record, coverage level, and age are significant elements that affect the overall cost of car insurance.

What are the cheapest car insurance companies in New York?

If you haven’t selected a car insurance company in New York, shop around with the best companies. Don’t worry – we researched for you and found multiple New York insurance companies with affordable rates.

Let’s look at the rates of the best car insurance companies in New York.

Monthly Auto Insurance Rates in New York by Company
CompaniesMonthly Full Coverage RatesMonthly Liability Coverage Rates
Allstate$203$111
American Family$397$235
Chubb$230$95
Erie$136$64
Geico$164$68
Kemper$263$136
Main Street America Group$63$25
MetLife$261$131
NYCM$222$94
Preferred Mutual$239$48
Progressive$95$58
State Farm$194$103
USAA$178$77
Utica National$423$58
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The cheapest car insurance in New York City is Main Street America, and it offers the most affordable throughout the state. However, you could get faster service with more prominent insurance companies like GEICO, Progressive, and State Farm.

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How much is New York insurance based on age?

Your age is a significant factor when determining auto insurance rates in New York. Car insurance companies use your age to calculate insurance quotes because age indicates driving experience.

Younger drivers tend to be inexperienced on the road and have a higher risk of filing a car insurance claim from a car accident. Drivers older than 24 are more experienced on average.

So how much is insurance based on age? Let’s look at the average New York insurance rates based on various ages.

Average Car Insurance Rates in New York by Age
AgeMonthly Full Coverage RatesMonthly Liability Coverage Rates
16-Year-Old Driver$447$237
17-Year-Old Driver$462$245
18-Year-Old Driver$376$199
19-Year-Old Driver$281$149
Drivers in their 20s$158$84
Drivers in their 30s$120$63
Drivers in their 40s$116$61
Drivers in their 50s$112$60
Drivers in their 60s$116$61
Drivers in their 70s$128$68
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Teen drivers have the highest risk of getting in an accident, so they pay higher rates. However, middle-aged and senior drivers pay cheaper car insurance in New York.

Older drivers with multiple claims on their insurance history could face more costly rates, but it depends on the company.

How does driving record impact car insurance in New York?

Your driving record is a significant factor when calculating car insurance quotes in New York, meaning any traffic infraction on your record can drive up insurance rates.

On the other hand, a clean driving record can get you cheaper rates. Let’s review the average monthly rates based on driving violations.

New York Auto Insurance by Driving Violations
Driving ViolationsMonthly Full Coverage RatesMonthly Liability Coverage Rates
DUI or DWI Conviction$186$98
Reckless Driving$210$111
At-Fault Accident (Damage under $1,000)$126$67
At-Fault Accident (Damage between $1,000 and $2,000)$166$88
At-Fault Accident (Damage over $2,000)$162$86
Open Alcohol Container$129$69
Speeding (21-25 MPH over the speed limit)$132$70
Speeding (16-20 MPH over the speed limit)$132$70
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Reckless driving and DUI convictions affect your New York insurance the most, followed by at-fault accidents that cause at least $1,000 worth of damage. Speeding infractions affect car insurance the least.

Does gender affect car insurance in New York?

Yes, it does. New York is one of many states that allow insurance companies to have gender-based car insurance.

So, which gender pays more for car insurance per month? Let’s examine insurance rates for males and females in New York.

Average New York Auto Insurance Rates by Gender
GenderMonthly Full Coverage RatesMonthly Liability Coverage Rates
Male$120$64
Female$122$65
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Male drivers usually pay more than females, but men in New York pay cheaper rates than women. This statistic could vary for each city in New York, but men appear to pay less than women for full coverage and liability-only insurance.

Can you save money on car insurance in New York if you’re married?

Yes, you can. Married drivers are less likely to file insurance claims, so auto insurance companies provide them cheaper rates.

Below are some estimates based on marital status.

New York Auto Insurance Rates by Marital Status
Marital StatusMonthly Full Coverage RatesMonthly Liability Coverage Rates
Single$120$64
Married$117$62
Divorced$119$63
Widowed$119$63
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Married drivers pay the least for insurance, but single drivers have the most expensive rates. However, there’s not a big difference between each marital status.

Which New York cities have the cheapest car insurance?

The most populated city in New York is New York City. The average cost of auto insurance in New York City is $312 per month for full coverage and $166 a month for liability-only coverage.

However, multiple cities are more affordable than the New York City average. Which cities are they? Let’s look at the top ten cheapest cities in New York.

Most Affordable New York Cities for Car Insurance
CitiesMonthly Full Coverage RatesMonthly Liability Coverage Rates
Corning$119$63
Plattsburgh$119$63
Plattsburgh West$119$63
Big Flats$119$63
Cumberland Head$119$63
Horseheads North$119$63
Elmira Heights$120$63
Coopers Plains$120$63
Gang Mills$120$63
Cadyville$120$64
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The cheapest New York cities have averages of $11 to $13 less than the state average. However, your rates will change when you start shopping for insurance quotes in New York.

Car insurance quotes in New York City are generally higher because drivers have a higher risk of getting into accidents.

Which cities have the most expensive insurance rates in New York?

Some cities have more expensive rates than New York City’s average. So, which cities could have higher rates than New York City?

Below are the top ten most expensive cities in New York for car insurance.

Most Expensive New York Cities for Car Insurance
CitiesMonthly Full Coverage RatesMonthly Liability Coverage Rates
Saint Albans$390$207
South Ozone Park$388$207
South Richmond Hill$383$207
Jamaica$378$207
Rosedale$378$207
Woodhaven$377$207
Ozone Park$377$207
Cambria Heights$376$207
Howard Beach$376$207
Springfield Gardens$375$207
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Springfield Gardens has the highest car insurance rates in New York. Springfield Gardens is a town south of Queens and east of Brooklyn, and it is also close to John F. Kennedy International Airport. To insurers, these details describe an area of high traffic and higher risk for car accidents.

What are New York’s car insurance requirements?

New York requires drivers to carry bodily injury liability, property damage liability, personal injury protection, and uninsured motorist bodily injury coverage.

Here are the limits you’ll need if you want to drive in New York:

  • $25,000 for bodily injury of one person per accident
  • $50,000 for bodily injury of multiple people per accident
  • $10,000 for property damage per accident
  • $50,000 for personal injury protection per accident
  • $25,000 for bodily injury of one person per uninsured motorist bodily injury accident
  • $50,000 for bodily injury of multiple people per uninsured motorist bodily injury accident

Uninsured motorist bodily injury coverage often gets paired with underinsured motorist coverage. Therefore, you’ll have both attached to your insurance policy.

While most car insurance companies in New York recommend higher coverage levels, it can raise your monthly payments.

How much is New York auto insurance based on coverage level?

The minimum coverage requirements can generate the cheapest car insurance in New York. When you buy full coverage and choose a deductible, your insurance rates increase.

Let’s see how various coverage levels and limits impact New York car insurance.

New York Auto Insurance Rates by Coverage Level
Coverage Level and LimitsAverage Monthly Rates
Liability Coverage with 100/300/100 BI and PD liability$91
Full Coverage with 100/300/100 BI and PD liability
$1,000 Deductible for Collision and Comprehensive Coverage
$144
Full Coverage with 100/300/100 BI and PD liability
$500 Deductible for Collision and Comprehensive Coverage
$158
Liability Coverage with 50/100/50 BI and PD liability$82
Full Coverage with 50/100/50 BI and PD liability
$1,000 Deductible for Collision and Comprehensive Coverage
$135
Full Coverage with 50/100/50 BI and PD liability
$500 Deductible for Collision and Comprehensive Coverage
$149
Liability Coverage with 25/50/10 BI and PD liability$74
Full Coverage with 25/50/10 BI and PD liability
$1,000 Deductible for Collision and Comprehensive Coverage
$127
Full Coverage with 25/50/10 BI and PD liability
$500 Deductible for Collision and Comprehensive Coverage
$141
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The 100/300/100 coverage limit is the highest coverage limit at most insurance companies, and it’s the limit that produces the most expensive rates for New York drivers. However, the recommended limit is 50/100/500 with a $500 deductible.

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Does credit score determine insurance rates in New York?

Yes, it is. Car insurance companies in New York can use credit to determine your insurance rates.

Why does credit score affect your rates? Insurance companies correlate poor credit with a higher chance of filing a claim, but drivers with good credit have a lower probability of filing claims.

What does that look like for New York’s average? Let’s look at the cost of New York auto insurance based on credit score.

Average New York Auto Insurance Rates by Credit Score
Credit ScoresMonthly Full Coverage RatesMonthly Liability Coverage Rates
Poor Credit (300 - 579)$240$127
Fair Credit (580 - 669)$190$101
Good Credit (670 - 739)$153$81
Excellent Credit (740 - 799)$126$67
Exceptional Credit (800 - 850)$109$58
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Even with good credit scores, your car insurance rates could be more expensive than average. Various insurance companies calculate credit-based rates differently, so you may pay less than average once you accept a quote.

How do you save money on car insurance in New York?

There are several ways you can save hundreds of dollars on New York auto insurance. Here’s a list of methods you can try:

  • Qualify for discounts. A clean driving record can save you up to 25% at some insurance companies, and good credit can save you 20%.
  • Drive less and use public transportation. Use New York’s public transit to cut the cost of car insurance and lower your chances of getting in an accident.
  • Raise your deductible. You can lower auto insurance rates by increasing your deductible.

Don’t forget to shop around with multiple companies. Even if you already have an insurance policy, get quotes from other companies to see if you can get a better deal.

Car Insurance in New York: The Bottom Line

Cheap auto insurance in New York depends on personal factors. If you’re under 24, your car insurance rates will be expensive regardless of the company. However, married drivers over 25 pay significantly less than young and single drivers.

You can secure cheaper rates through discounts and driving less. If full coverage is too expensive, try raising your deductible or switch to liability-only coverage.

Before you decide what to do, use our free online tool to compare multiple insurance companies in your area.