Car Insurance in New York
New York has a more complex minimum level of coverage than some other states. Here’s how this will affect your insurance rates.
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New York Insurance Coverage
New York State mandates that drivers carry a minimum level of coverage that is more complex than some other states.
- $10,000 for property damage per accident.
- $25,000 for bodily injury and $50,000 for harm resulting in death per accident.
- $50,000 for bodily injury and $100,000 for death of two or more people in an accident.
Uninsured and underinsured motorist bodily injury (UM/UIM) of:
- $25,000 per person per accident.
- $50,000 per accident to protect against injuries caused by uninsured or hit-and-run drivers.
Personal injury projection (PIP) of:
- $50,000 per person, regardless of fault, to cover medical expenses, lost earnings and other damages.
Typically, the more coverage, the more expensive the premium, and couple that with over 8 million people packed into New York City — the largest city in the United States — and insurance bills may get expensive.
Car insurance by city in New York (June 2025)
Cheap Car Insurance in New York City (NYC) (June 2025)
New York City drivers may pay higher rates than those in more rural areas, however, it's still possible to find affordable car insurance in The Big Apple.
Cheap Car Insurance in Buffalo, NY (June 2025)
To find the cheapest car insurance that fits your needs in Buffalo, compare quotes from multiple insurers.
Best Car Insurance in New York for June 2025
Geico is the best car insurance company in New York, according to Jerry’s editorial analysis.
Cheapest Car Insurance in New York for June 2025
Compare top insurance companies to find the cheapest car insurance in the state of New York.
Find affordable car insurance in minutes.
Check out recent quotes Jerry customers have gotten for car insurance in New York.
|
Date of Policy
|
Insurance Company
|
Monthly Quote
|
|---|---|---|
| June 14, 2025 | Progressive | $1,107 |
| June 14, 2025 | Bristol West | $471 |
| June 14, 2025 | Bristol West | $1,518 |
| June 14, 2025 | Progressive | $930 |
| June 14, 2025 | Progressive | $585 |
Last Updated Jun 16, 2025
Car insurance companies in New York
Annie Millerbernd, Jan 8, 2025
Nationwide Auto Insurance Review 2025
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Allstate Auto Insurance Review 2025
Allstate auto insurance review Jerry rates Allstate car insurance 4.7 stars out of 5. This score is higher than many other insurers that Jerry rates and takes into account the insurer’s pricing, industry ratings, the company’s financial strength, customer ratings and national complaint data. You’re likely to find what you need with Allstate — the […]
Annie Millerbernd, Jan 8, 2025
Progressive Auto Insurance Review 2025
Jerry rates Progressive 4.6 stars out of 5. This score is higher than many other insurers that Jerry rates and takes into account the insurer’s pricing, industry ratings, customer ratings, financial strength and national complaint data. Progressive stands out for its many optional policy add-ons, including rideshare insurance, coverage for pets injured in an accident, […]
State of New York resources
