The easiest way to find the best cheap car insurance in New York is to shop around and compare rates among multiple insurers. If you don’t do this on a regular basis, you may end up paying more than you should for insurance.
Keep in mind that rates vary widely across insurance carriers for the same coverage, so it’s rare you’ll pay what your next door neighbor or friend is quoted.
To find the best car insurance in New York, compare car insurance quotes from multiple insurers.
What are the minimum requirements to drive legally in New York state?
New York mandates higher coverage for minimum car insurance liabilities than many other states. Under state law, the minimum car insurance requirements for liability coverage are $25,000/$50,000/$10,000 as well as $25,000/$50,000 for uninsured/underinsured motorist and $50,000 for personal injury protection.
Liability coverage in New York State entails:
- $10,000 for property damage per accident.
- $25,000 for bodily injury per person per accident.
- $50,000 for harm resulting in a fatality per accident.
- $100,000 for fatality of two or more people in an accident.
Uninsured and underinsured motorist bodily injury (UM/UIM) has minimums of:
- $25,000 per person per accident.
- $50,000 per accident to protect against injuries caused by uninsured and/or hit-and-run drivers.
Personal injury projection (PIP) minimum limit is:
- $50,000 per person regardless of fault to cover medical expenses, lost earnings and other needed expenses.
Cheapest minimum coverage insurance in New York
In New York, selecting a minimum liability insurance policy is a practical way to stay within legal bounds while keeping insurance premiums in check. This basic coverage protects against financial responsibility for injuries or damages caused to others. It doesn’t include any repairs to your own vehicle, which is why it’s often preferred by those driving older cars. New York drivers should gather and compare quotes to ensure they’re getting solid coverage at a reasonable cost.
Costs for state minimum coverage vary quite a bit in New York State, check out the real Jerry quotes below.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Commonwealth Insurance | $99 | $1,194 |
| Trexis | $107 | $1,280 |
| Dairyland | $117 | $1,405 |
| The General | $132 | $1,590 |
| Gainsco | $140 | $1,679 |
| Root | $235 | $2,818 |
| National General | $261 | $3,129 |
| First Acceptance | $276 | $3,317 |
| Assurance America | $290 | $3,480 |
| Safeco | $464 | $5,570 |
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in New York
Finding reasonably priced full coverage car insurance in New York requires choosing a policy that balances extensive coverage with your budget. Full coverage often includes liability, collision and comprehensive protection — handling things like traffic accidents, weather damage and car theft.
Take a look at quotes from different insurance providers for full coverage in New York.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Electric | $211 | $2,533 |
| Trexis | $227 | $2,722 |
| Clearcover | $257 | $3,088 |
| Assurance America | $287 | $3,448 |
| Aspire Advantage | $344 | $4,134 |
| The General | $445 | $5,342 |
| Gainsco | $450 | $5,398 |
| Commonwealth Insurance | $451 | $5,414 |
| National General | $461 | $5,529 |
| Mendota | $466 | $5,592 |
Cheapest car insurance for young drivers in New York
Young drivers in New York usually pay more for auto insurance because their lack of experience increases the risk of accidents. Heavy traffic and aggressive driving conditions add to insurers’ concerns. Even teens with clean records often see high rates until they build a safer track record over time.
In New York state, young drivers often face the highest insurance rates in the state, as seen by Jerry data.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $770 | $9,235 |
| 21-24 | $693 | $8,316 |
Cheapest liability-only policy in New York state for a 20 year old
In New York, a 20-year-old might prefer liability-only insurance as a way to manage high living costs while staying legally insured. Young drivers with older vehicles may not gain much from full coverage and liability plans offer the core protection needed without inflating monthly expenses.
According to our data, these are the most affordable rates for liability-only coverage available to a 20-year-old in New York state.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 20 | $413 | $4,951 |
| Bristol West | 20 | $1,768 | $21,215 |
Cheapest full coverage policy in New York state for a 20 year old
A 20-year-old in New York may benefit from full coverage to handle the frequent risks of city driving and high repair costs. This coverage type can save them from major financial setbacks.
Here are the lowest rates available for full coverage insurance for a 20-year-old in New York state:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | 20 | $380 | $4,563 |
| Progressive | 20 | $673 | $8,080 |
Average car insurance for mature drivers in New York (25-54 years old)
In New York, drivers with a long history of safe driving are typically rewarded with lower insurance premiums. Navigating the complexities of urban and upstate roads requires skill and this experience often translates into fewer claims. As a result, these drivers benefit from more competitive coverage rates.
Check out the rates for New York state drivers aged 25-54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $690 | $8,275 |
| 35-44 | $649 | $7,791 |
| 45-54 | $628 | $7,536 |
Cheapest liability-only policy in New York state for a 36 year old
The typical Jerry customer is 36 years old and in New York, they may opt for liability-only insurance when their car has depreciated and they feel confident behind the wheel. Urban drivers with a strong driving history might prefer this simpler coverage as it fulfills legal requirements while minimizing premium costs.
Below are the rates for a liability-only policy in New York state for someone of that age.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | 36 | $74 | $888 |
| Commonwealth Insurance | 36 | $109 | $1,304 |
| Gainsco | 36 | $112 | $1,340 |
| First Acceptance | 36 | $117 | $1,400 |
| Anchor General | 36 | $130 | $1,558 |
Cheapest full coverage policy in New York for a 36 year old
In New York, a 36-year-old might rely on full coverage insurance to handle dense traffic, tight parking and unpredictable weather. Urban drivers face more exposure to minor accidents and damage especially.
Here are the most affordable full coverage rates for a 36-year-old in New York state.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Mendota | 36 | $167 | $2,006 |
| National General | 36 | $227 | $2,722 |
| Embark General | 36 | $246 | $2,958 |
| Assurance America | 36 | $258 | $3,092 |
| Anchor General | 36 | $477 | $5,720 |
| Progressive | 36 | $648 | $7,779 |
| Bristol West | 36 | $1,219 | $14,623 |
Average car insurance for older drivers (55+ years old)
Older drivers may see insurance premiums climb as dense traffic and unpredictable driving environments test aging reflexes. From city streets to upstate highways, every trip demands precision and insurers recognize that reaction time and driving abilities can fade with age. Premium increases reflect efforts to stay ahead of emerging safety risks.
Insurance for older drivers in New York state tends to stay a bit high in price, as you can see below.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $559 | $6,713 |
| 65+ | $511 | $6,126 |
Cheapest liability-only policy in New York for a 65 year old
In New York, older drivers might stick with liability-only insurance if their driving habits are limited to errands or short city trips. Aging cars and lower mileage reduce the need of full coverage and this approach helps retirees stay insured without paying for extras. It’s a sound option for those with more predictable routines.
Here are the rates for a liability-only policy in New York state for a 65 year old.
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 65 | $335 | $4,024 |
| Safeco | 65 | $413 | $4,960 |
| Bristol West | 65 | $914 | $10,971 |
Cheapest full coverage policy in New York for a 65 year old
North Carolina seniors may select full coverage to defend their vehicles from accidents, theft and storm damage. Protecting savings by preventing unexpected repair bills can be critical in retirement. Many older drivers use their cars for appointments and family visits, valuing the reassurance comprehensive insurance provides.
Here are the cheapest rates for a 65-year-old in New York state for full coverage:
|
Insurance Company
|
Age
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Progressive | 65 | $486 | $5,830 |
| Safeco | 65 | $541 | $6,491 |
| Bristol West | 65 | $1,099 | $13,193 |
Average car insurance for drivers with clean records in New York
A clean driving record in New York shows a strong track record of safe and responsible driving. This often leads to more favorable insurance pricing as insurers are more confident offering better terms to low-risk drivers.
If you have no violations or claims, heres what you can expect to pay on average:
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|
| $632 | $7,580 |
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Anchor General | $112 | $1,339 |
| Aspen | $102 | $1,227 |
| Aspire Advantage | $104 | $1,243 |
| Assurance America | $332 | $3,985 |
| Bristol West | $1,060 | $12,720 |
| Clearcover | $257 | $3,088 |
| Commonwealth Insurance | $189 | $2,270 |
| Dairyland | $246 | $2,956 |
| Embark General | $263 | $3,154 |
| First Acceptance | $290 | $3,485 |
Average car insurance for drivers with low credit scores in New York
New York restricts the use of credit information in car insurance decisions but it is still one of many factors that insurance companies take into account.
Jerry data shows that as your credit improves, your average monthly insurance quote tends to decrease.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 550-659 | $693 | $8,321 |
| 660-750 | $661 | $7,929 |
| <550 | $662 | $7,941 |
| 750+ | $535 | $6,422 |
For those with a credit score below 550, these companies offer the most competitive quotes.
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Dairyland | <550 | $94 | $1,133 |
| Anchor General | <550 | $107 | $1,286 |
| Commonwealth Insurance | <550 | $109 | $1,304 |
| Gainsco | <550 | $165 | $1,985 |
| National General | <550 | $195 | $2,342 |
Cheapest car insurance for drivers with at-fault accidents in New York
An accident on your record will lead to higher insurance rates, as reflected in the average figures below.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| $622 | $7,462 | |
| Not At Fault | $697 | $8,369 |
| At Fault With No Injury | $692 | $8,304 |
| At Fault With Injury | $778 | $9,334 |
Cheapest car insurance for drivers with at-fault accidents with no injury in New York
At-fault accidents in New York that don’t involve injuries still affect how insurers view your profile. Property claims carry cost and complexity and these incidents can result in rate adjustments and affect your policy options.
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| Commonwealth Insurance | At Fault With No Injury | $63 | $760 |
| Infinity | At Fault With No Injury | $128 | $1,536 |
| Root | At Fault With No Injury | $187 | $2,248 |
| Gainsco | At Fault With No Injury | $216 | $2,594 |
| The General | At Fault With No Injury | $236 | $2,838 |
Cheapest car insurance for drivers with at-fault accidents with injury in New York
Causing injury in an accident significantly raises your liability. Insurers treat these cases as high risk and may revise your terms. These incidents remain part of your record for many years as they’re viewed as major indicators of future claims.
|
Insurance Company
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|---|
| National General | At Fault With Injury | $320 | $3,840 |
| Root | At Fault With Injury | $420 | $5,044 |
| Progressive | At Fault With Injury | $625 | $7,500 |
| Safeco | At Fault With Injury | $810 | $9,723 |
| Bristol West | At Fault With Injury | $1,086 | $13,030 |
Cheapest car insurance for drivers with a speeding ticket in New York
A speeding ticket on your record will raise your insurance rates, and the severity of the speeding violation directly impacts how much your car insurance costs. These are the most affordable insurance companies for drivers in New York State with a speeding ticket on their record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| First Acceptance | $41 | $496 |
| Gainsco | $125 | $1,504 |
| Embark General | $144 | $1,724 |
| National General | $181 | $2,177 |
| Root | $187 | $2,248 |
| The General | $317 | $3,800 |
| Dairyland | $423 | $5,074 |
| Progressive | $498 | $5,971 |
| Bristol West | $913 | $10,951 |
Average car insurance for drivers with other violations in New York
Other driving violations in New York — such as illegal lane changes or texting while driving — can add up. Insurers view these as part of your total driving behavior. Even if each seems small, they influence your risk score and over time, they can limit your insurance options.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $617 | $7,399 |
| Cell Phone | $937 | $11,250 |
| Defective Equipment | $168 | $2,014 |
| Driving on Sus. License | $483 | $5,794 |
| Failure to Obey Traffic Sign | $458 | $5,499 |
| Illegal Turn | $1,017 | $12,202 |
| Improper Passing | $451 | $5,413 |
| Other | $611 | $7,332 |
| Passing School Bus | $320 | $3,834 |
| Suspension | $659 | $7,910 |
Minimum liability vs. full coverage in New York
Full coverage can give drivers peace of mind because they aren’t as exposed financially in case of an accident. Also, if you lease and/or finance your vehicle, the lender will most likely require that you carry full coverage.
In New York, full coverage includes the state’s minimum requirements along with collision and comprehensive coverages. Here’s a breakdown of what these types of insurances cover:
- Liability insurance: Covers injuries or damage you cause to someone else in an accident.
- Collision coverage: Helps pay for repairs to your vehicle that result from an accident regardless of who is found responsible. This coverage typically has a deductible.
- Comprehensive coverage: Helps pay for vehicle damage caused by a non-collision event like weather-related incidents, animal damage and theft.
Factors that determine your car insurance premium
Insurers base rates on various factors, which can include:
- ZIP code.
- Age.
- Driving and traffic violations record.
- Claims history.
- Marital status.
- Type of vehicle you drive.
- Policy deductibles.
How to find cheap car insurance in New York
You should look for discounts whenever possible, whether that is taking a defensive driving course, installing a telematic device in your vehicle, or avoiding reckless driving — which can lead to tickets that most likely will spike what you pay for premiums.
Also consider bundling your home and auto insurance policies with the same carrier to snag a deal.
New York does take into account your credit score as part of their assessment of your risk profile. If you don’t have a great credit score, then boosting it up a tier could help you save money on car insurance. New York drivers with poor credit pay some of the steepest rates in the U.S. compared to both drivers in other states and those with good credit.
Regardless of any discounts, when you’re hunting for the best cheap rate for your driver profile, you’ll need to compare rates from multiple insurers. It’s a good rule of thumb to compare rates before your policy lapse to ensure you find the best deal.
Next time you need to compare quotes, consider using Jerry, America’s first and only AllCar™ app. As a licensed broker, Jerry helps you find the best deal for car insurance depending on your driver profiles and coverage needs. We also keep your information private and secure so sales representatives will never call you.
FAQ
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What is the cheapest car insurance in New York?
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What is the cheapest full coverage car insurance in New York?
