Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Compare Car Insurance Quotes in New York
Jerry is a free app trusted by 97,956 New York drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Ben Moore is a writer and editor at Jerry. He previously worked as a writer, editor and content strategist at NerdWallet, and has bylines in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He holds a bachelors degree in marketing from Olivet Nazarene University.
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6 years covering auto insurance
Average New York car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $152 a month for state minimum and $381 a month for full coverage. But in New York, Jerry drivers pay:
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$215 to $938 per month for state-mandated minimum coverage.
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$422 to $1,380 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped New Yorkers save an average of $194 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Does it sound too time consuming? Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your New York car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents are just a tap away.
Just remember that your final quote will depend on personal factors like your driving record, your type of car and where in New York you live. Here are some full coverage rates that Jerry drivers in New York have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
New York homeowners deal with a wide range of risks, from coastal hurricanes and nor’easters downstate to heavy lake-effect snow and ice storms upstate. Combined with high property values, these factors make bundling home and auto insurance one of the best ways to save.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What New York drivers are paying with Jerry
Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in New York, shopping around helps you find the right fit.
That matters in New York, where insurance costs can look wildly different depending on whether you’re in the five boroughs, the Hudson Valley, or upstate. New York City drivers face some of the highest premiums in the nation due to traffic density, theft, and no-fault insurance rules, while drivers in Buffalo or Syracuse often pay a fraction of that. Jerry works with New York drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 9 trusted insurers in the Empire State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for New York drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in New York
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
New York car insurance coverage requirements
Oregon drivers are required to buy a combination of personal property and bodily injury liability, uninsured motorist coverage and personal injury protection (PIP). The minimum coverage requirements in this state are:
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Bodily injury liability of $25,000 per person and $50,000 per crash for injuries to others.
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Liability for bodily injuries resulting in death of $50,000 per person and $100,000 per crash.
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Property damage liability of $20,000 per crash.
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Personal injury protection of $15,000 per person.
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Uninsured motorist coverage of $25,000 per person and $50,000 per crash for bodily injuries caused by an uninsured driver.
While this makes you legal to drive, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering nearly 9% of New York drivers are uninsured, it can also be a good choice to raise uninsured/underinsured motorist (UM/UIM) protection limits.
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Coverage definitions
Factors affecting New York car insurance rates in 2026
No-fault rules and PIP costs
New York’s no-fault system means PIP is a major part of your premium. Medical claim costs run especially high in NYC and on Long Island, making PIP selection one of the biggest pricing levers on your policy. Choose a level that fits your budget and health insurance situation.
City traffic and high repair costs
Constant merging, stop-and-go traffic and tight lanes make fender benders a daily reality in the city, and NYC labor and parts costs push repair bills well above the national average. Collision coverage helps your car get repaired without waiting on a fault decision, and a telematics program like Jerry DriveShield can turn safe driving habits into lower rates.
Theft and break-ins
Certain vehicles are targeted more often in NYC, and theft claims heavily influence pricing in specific ZIP codes. Comprehensive coverage is what pays out if your car is stolen or broken into. Lock up, park in well-lit areas and keep valuables out of sight to further prevent theft.
Winter weather upstate
Ice storms, lake-effect snow and slick secondary roads can make upstate winter driving treacherous for months. Consider keeping collision coverage active and set a deductible you can comfortably pay, so you’re able to use your coverage when winter conditions lead to a crash.
Rural wildlife collisions
Outside the metro areas, deer strikes become a bigger part of the risk picture, especially at dusk and dawn. Comprehensive coverage is what typically pays for animal impacts, so it’s worth keeping if you do a lot of upstate or rural driving.
ZIP code price swings
In New York, your ZIP code can be one of the single biggest factors in your rate because claim frequency varies dramatically from one neighborhood to the next. If you’re moving within the state, expect your premium to shift even if your car and driving record stay the same. Compare quotes after any address change.
Average cost of car insurance in major New York cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $1,246 | |
| $1,165 | |
| $573 | |
| $1,183 | |
| $1,114 | |
| $353 | |
| $979 | |
| $1,304 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get New York quotes in as little as 2 minutes.
Learn more about driving in New York
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What you need to know about car sales tax in New York.
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Understand how no-fault insurance works in New York.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is New York a no-fault state?
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What happens if I drive without insurance in New York?
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Does New York require uninsured motorist coverage?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.