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Best & Cheapest New York Car Insurance as Rated by Customers in 2020

4.67 ★★★★★
4579 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16886 customer reviews
rated their claim's experience positively
4.09 ★★★★★
2059 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7149 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
746 customer reviews
rated their claim's experience positively
3.74 ★★★★★
545 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively

Searching for the best car insurance in New York to protect your vehicle while on the road? You've come to the right place. We've got a list of the best car insurance in New York based solely on customer reviews and ratings.

In the table above, you can sort through all the New York car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best New York car insurance rankings.

Interested in learning more about one of these New York car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the best teen car insurance rates in New York?

Among the five companies analyzed, Geico is the cheapest car insurance option for both male and female teen drivers in New York, on average.

In the table below, you can find New York teen car insurance rates for male and female drivers. The average premiums are listed for four of the largest car insurance companies in New York.

Company Female teen rates Male teen rates
Allstate Insurance $3,472 $3,538
Geico $2,021 $2,978
Progressive $2,812 $2,985
State Farm Insurance $2,743 $3,076

These rates are based on profiles for 18-year-old male and female drivers in New York. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in New York will differ. Rate data is provided by Quadrant Information Services.

Who offers the best car insurance rates for a married couple in New York?

Out of the five companies analyzed, Progressive offers the cheapest car insurance rates for married couples in New York, on average.

The table below displays New York car insurance rates for a married couple with two cars on a policy from four of the largest companies in the state.

Company Married couple rates
Allstate Insurance $2,545
Geico $3,230
Progressive $2,450
State Farm Insurance $3,259

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in New York will differ. Rate data is provided by Quadrant Information Services.

Who offers the best senior car insurance rates in New York?

Among the five companies analyzed, Progressive provides the cheapest car insurance rates for male and female senior drivers in New York, on average.

Below you can see average New York car insurance rates for male and female senior drivers for four of the largest companies in the state.

Company Female senior rates Male senior rates
Allstate Insurance $1,558 $1,585
Geico $1,890 $1,924
Progressive $1,161 $1,152
State Farm Insurance $1,566 $1,566

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in New York will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in New York for car insurance

Car insurance rates in New York vary significantly based on cities and neighborhoods. Areas in upstate New York tend to be cheaper for car insurance than areas closer to New York City. Corning is the cheapest area, on average. In the table below, you can see the top 10 cheapest areas in New York for car insurance based on average rates for single adults.

Area Car insurance rates
Corning $1,258
Big Flats $1,267
Horseheads $1,268
Painted Post $1,272
Elmira $1,278
Pine City $1,281
Wellsburg $1,283
Campbell $1,300
Phelps $1,309
Manchester $1,316

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in New York will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in New York for car insurance

Areas in the state of New York that are close to New York City tend to have higher average car insurance rates. This includes Brooklyn, which is the most expensive area in New York for car insurance, and the Queens neighborhood of St. Albans, which is the second most expensive area. The table below displays the top 10 most expensive areas in New York for car insurance based on average rates for a single adult.

Area Car insurance rates
Brooklyn $4,626
St. Albans $4,378
South Ozone Park $4,302
Cambria Heights $4,299
Howard Beach $4,272
Ozone Park $4,302
South Richmond Hill $4,252
Richmond Hill $4,216
Rosedale $4,210
Woodhaven $4,199

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in New York will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in New York

While some states only require drivers to obtain liability insurance, New York has multiple required coverages, so it’s especially important to know what they are, what they mean and the minimum limits. New York is one of 12 no-fault states, which means that regardless of who is at fault for an accident, your insurance company is responsible for your medical-related costs.

The minimum limit needed in New York for no-fault coverage is $50,000. In the event that damages from an accident exceed $50,000, your health insurance would kick in to cover the additional expenses.

Additionally, New York requires drivers to obtain uninsured motorist coverage, which covers you for injuries sustained in an accident involving another driver who doesn’t have the proper insurance. New York has the second-lowest uninsured driver percentage of any state, with only 6.1 percent of drivers lacking insurance, according to 2015 data from the Insurance Information Institute. Still, uninsured motorist coverage is important, as it also protects you against any out-of-state drivers who don’t have sufficient insurance.

Below are the minimum limits needed for liability insurance, no-fault coverage and uninsured motorist coverage.

New York state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Liability for death — $50,000 per person
  • Liability for death — $100,000 per accident
  • Property damage — $10,000 per accident

Personal injury protection:

  • $50,000 per person

Bodily injury caused by an uninsured motorist:

  • $25,000 per person
  • $50,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims, though New York’s no-fault laws are designed to avoid drivers suing other drivers.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

How car insurance rates are calculated in New York

When searching and comparing quotes from the best auto insurance companies in New York, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in New York

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best New York car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in New York

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings of the best car insurance in New York are derived entirely from customer reviews and ratings.