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.
Compare New York rates with Jerry
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. State-mandated minimum coverage may be the most affordable car insurance policy, but it may not be the right coverage for you. Compare multiple car insurance quotes to see raising and lowering your limits and adding optional coverages affects your rate.
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.
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.
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.
Cheapest car insurance in Rochester, New York (June 2025)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Rochester, 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 22, 2025 | Progressive | $311 |
| June 22, 2025 | Bristol West | $321 |
| June 22, 2025 | Progressive | $637 |
| June 22, 2025 | Progressive | $259 |
| June 22, 2025 | Bristol West | $558 |
Last Updated Jun 24, 2025
Car insurance companies in New York
Annie Millerbernd, Jan 8, 2025
Nationwide Auto Insurance Review 2025
Nationwide car insurance review Jerry rates Nationwide 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, consumer ratings, financial strength and national complaint data. Nationwide provides somewhat flexible car insurance, but most of its coverage options and […]
Annie Millerbernd, Jan 8, 2025
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
