Best Car Insurance in New York for August 2025

Jerry Summary

Geico offers the best car insurance in New York, according to Jerry’s editorial analysis, thanks to its strong financial strength rating and minimal customer complaints. Erie Insurance comes in second place, while Travelers earns an honorable mention due to its high customer satisfaction. You can get the best car insurance in New York by comparing quotes from multiple insurance companies.

Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in New York. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.

These are the best car insurance companies in New York:

• Geico: Best car insurance overall.
• Erie Insurance: Runner-up.
• Travelers: Honorable mention.

If you need cheap car insurance in New York, be sure to compare quotes from multiple insurers to get the best rate.

• Why you can trust Jerry’s editorial content

  Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced journalists. Facts are thoroughly researched, independently verified and routinely updated. Our editorial team is independent, meaning our content is free from partner influence. All insights drawn from Jerry’s proprietary customer auto insurance quotes data provide unique, real-world guidance.

Best car insurance in New York overall: Geico

5.0

Jerry’s Score

Our Take

Geico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.

Why it’s the best: Geico earns 5 stars due to its superior financial strength rating and few customer complaints, making it the best auto insurance company in New York out of the providers we analyzed. It also ranks above average for overall customer satisfaction in New York, according to J.D. Power’s 2024 Auto Insurance Study.

Discounts are available for going without an accident for at least five years, bundling policies, taking a state-approved accident prevention course, and including a full-time student on your policy, between 16 to 24 years old, with a B average or higher. If your policy includes comprehensive insurance, you can choose the $0 glass deductible option, which means you won’t pay anything if your windshield is damaged by a covered event.

More: Get cheap car insurance the smart way, today

Runner-up: Erie Insurance

4.9

Jerry’s Score

Our Take

Erie Insurance is one of Jerry’s top-rated insurers 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 our pick for runner-up: Erie Insurance earns 4.9 stars from Jerry’s editorial team, 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 home and auto insurance, 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.

4.7

Jerry’s Score

Our Take

Allstate car insurance allows drivers to tailor their policies based on their needs and driving habits, however customer service scores are below average.

4.7

Jerry’s Score

Our Take

Nationwide auto insurance rewards loyalty and good driving behavior. The insurer offers a mileage-based policy that may help those who don’t frequently travel far save on premium costs.

4.6

Jerry’s Score

Our Take

Farmers Insurance offers customizable policies with many discount opportunities, and Jerry customers gave it a moderately high score.

4.6

Jerry’s Score

Our Take

Progressive offers customizable car insurance policies with many discount opportunities. Though the insurer is ranked below average in customer satisfaction by J.D. Power, Jerry customers give Progressive high marks.

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

Aspire Advantage offers the best full coverage car insurance rates in New York, according to Jerry’s data analysis, with an average cost of $131 per month.

Here are the best car insurance rates for full coverage in New York.

The right full coverage car insurance should match your unique needs and driving habits. Think about how often you’re on the road, the kind of vehicle you drive and whether you’d benefit from extras like roadside assistance or rental reimbursement if your car is in the shop for covered repairs. By focusing on what fits your lifestyle, you can choose a policy that provides the right amount of financial protection without paying for optional coverages you don’t need.

Best car insurance for teen drivers in New York

Geico offers the best car insurance rates for teen drivers in New York, according to Jerry’s data analysis, with an average cost of $840 per month.

These are some of the best car insurance rates for teen drivers in New York, according to quotes for real Jerry customers.

Car insurance companies that recognize and reward positive behaviors are often the best choice for teen drivers. Many insurers provide discounts for students with good grades, finish driver education programs or allow their driving behavior to be tracked through telematics programs. Selecting a policy that promotes responsible habits not only helps protect teens on the road but can also make coverage more affordable in the long run.

Learn more: How much is car insurance for a 16-year-old?

Best car insurance for young drivers under 25 in New York

Aspire Advantage offers the best car insurance rates for young drivers in New York, according to Jerry’s data analysis, with an average cost of $134 per month.

Here are the best car insurance rates for young drivers in New York.

For drivers under 25, the best car insurance policies are often those that recognize and reward responsible driving habits, since young drivers are viewed as risky to insure. Insurers frequently offer discounts to young drivers who keep a clean driving record, complete approved driving courses or opt into telematics programs that track driving behavior. Choosing a policy that incentivizes good habits can help young drivers stay safe on the road and may lead to lower premiums over time.

Learn more: Car insurance for college students

Best car insurance for seniors in New York

Embark General offers the best car insurance rates for drivers over 65 in New York, with an average cost of $115 per month, according to Jerry’s data analysis.

Here are some of the best car insurance rates for drivers over 65 years old in New York, based on quotes for real Jerry customers.

For drivers over 65, the best car insurance is one that matches their lifestyle. Seniors who spend less time on the road may benefit from pay-per-mile insurance, which bases premiums on how much you actually drive and can be more cost-effective for low-mileage drivers. Additionally, completing a defensive driving course can help improve skills behind the wheel and may result in a discount.

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:

1. 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.
2. 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.
3. 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.

MEET OUR EXPERTS

Ben Moore

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.

See more

Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

See more