To get the best car insurance in New York, consider companies that have high financial strength ratings with few customer complaints. According to Jerry’s editorial analysis, Erie Insurance offers the best car insurance in New York overall. Here’s what to know about other highly-rated insurers in the state.
If you need cheap car insurance in New York, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in New York overall: Erie Insurance
Erie Insurance
4.9Jerry’s ScoreOur TakeErie Insurance is Jerry’s top-rated insurer due to its superior financial strength rating and low number of complaints. It also ranks high in J.D. Power customer satisfaction studies. Erie’s auto policies include perks other insurers typically charge for, and there are plenty of options to customize your policy.
Why it’s the best: Erie Insurance earns 5 stars from Jerry’s editorial team, the highest of all insurers analyzed, due to the company’s superior financial strength rating and low number of customer complaints. Erie also ranks No. 3 out of 21 insurers in a national J.D. Power 2024 Auto Claims Satisfaction study.
Erie’s auto policies include free perks other insurers usually charge for, including coverage for pet injuries, borrowed and rented vehicles, relatives who borrow your car, plus meal and lodging costs if your car is unusable after a covered accident. You’ll also get reimbursed for locksmith expenses, up to $75, and waived deductibles in qualifying situations.
New Yorkers who choose an Erie RateProtect policy get a discount for going five years without filing a claim, but also won’t see their premium increase after the first paid claim. New Yorkers can upgrade to an Auto Plus policy, which comes with a $10,000 death benefit, additional days of transportation expenses coverage, increased limits on certain coverages and a diminishing deductible.
Discounts are available for insuring a vehicle with factory-installed safety equipment, bundling policies or maintaining a low annual mileage.
More of the best New York insurers
These insurers also offer some of the best car insurance in New York.
Honorable mention: Travelers
While not yet rated by Jerry, Travelers was ranked No. 1 out of 9 insurers for overall customer satisfaction in New York, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
Travelers may be ideal for New Yorkers with a new car. The insurer offers the Premier New Car Replacement package, which replaces a brand-new car with another of the same make and model if the original is totaled within the first five years. The package includes gap insurance, new car replacement coverage and a lower glass deductible. Travels also offers non-owner auto insurance for drivers who don’t own a car but still regularly drive.
Discounts are available for bundling, being a homeowner, owning or leasing a hybrid vehicle and insuring a new car. Student drivers can get a discount for having good grades or being away at school. Young drivers can take an approved driver education course to lower premium costs.
Best full coverage car insurance in New York
Here are the best car insurance rates for full coverage in New York.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $227 |
| Electric | $246 |
| Assurance America | $287 |
| Embark General | $291 |
| Root | $324 |
Best car insurance for teen drivers in New York
These are the best car insurance companies for teen drivers in New York.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 19 | Progressive | $133 | March 4, 2025 |
| 19 | Progressive | $224 | December 18, 2024 |
| 19 | Progressive | $224 | December 7, 2024 |
| 18 | Progressive | $250 | March 17, 2025 |
| 19 | Progressive | $253 | March 28, 2025 |
| 19 | Progressive | $267 | March 14, 2025 |
| 19 | Progressive | $285 | March 10, 2025 |
| 19 | Progressive | $308 | April 6, 2025 |
| 19 | Progressive | $341 | February 4, 2025 |
| 18 | Progressive | $348 | April 10, 2025 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in New York
Here are the best car insurance rates for young drivers in New York.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $179 |
| Embark General | $219 |
| Commonwealth Insurance | $303 |
| Dairyland | $472 |
| Mendota | $495 |
Learn more: Car insurance for college students
Best car insurance for seniors in New York
Here is the best car insurance for drivers over 65 years old in New York, based on quotes for real Jerry customers.
|
Age
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|
| 69 | Progressive | $35 | February 11, 2025 |
| 67 | Progressive | $40 | March 15, 2025 |
| 72 | Progressive | $41 | March 24, 2025 |
| 66 | Progressive | $44 | November 3, 2024 |
| 80 | Progressive | $45 | March 13, 2025 |
| 66 | Progressive | $54 | January 8, 2025 |
| 67 | Progressive | $64 | May 22, 2024 |
| 71 | Progressive | $65 | March 15, 2025 |
| 67 | Progressive | $73 | July 11, 2024 |
| 73 | Progressive | $75 | October 23, 2024 |
Learn more: Car insurance for seniors
How to get the best car insurance in New York
Follow these tips to find the best car insurance in New York:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
