Jerry SummaryAspire Advantage offers the cheapest car insurance in New York at $131 per month, according to Jerry’s August 2025 data analysis. Drivers in New York City can pay vastly different premiums from those who live upstate, so it’s wise to get multiple quotes before you buy a policy.
Unsurprisingly to those who live there, New York’s car insurance rates can vary widely from one locale to the next. Just like Buffalo residents balk at what a Brooklynite pays for rent, auto insurance rates for upstate drivers are probably unrecognizable to those in the city.
New York’s average car insurance costs are elevated compared to the rest of the country, primarily because those who live in the city pay among the highest rates in the country, according to a Jerry analysis of car insurance quotes in the state.
But rates are highly personal and highly local. A 35-year-old Rochester homeowner insuring a relatively new SUV may pay a much lower rate than a 22-year-old Manhattan renter who drives a sports car.
The only way to know what you’ll actually pay is to get a quote, and because pricing factors vary so much between providers, it’s wise to get at least a few.
We’ve gathered the cheapest quotes for New York drivers across different age groups and with different driving histories to arm you with data so can confidently shop for coverage.
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Where to get cheap full coverage car insurance in New York
New York drivers pay $131 per month for the cheapest full coverage car insurance, according to Jerry’s analysis of real customer quotes. Aspire Advantage offers the best price.
Full coverage is the car insurance most people buy. It isn’t a formal type of car insurance, it’s just the term for a policy that includes New York’s mandatory minimum insurance, along with comprehensive and collision coverages.
Drivers in New York are required to carry more insurance than other states. You need liability, uninsured/underinsured motorist (UM/UIM) and personal injury protection insurance (PIP).
The main gap left by those required coverages is any damage to your car if you’re in an accident with another insured driver. That’s where comprehensive and collision come in:
- Collision insurance pays for your repairs after a wreck, regardless of fault. It provides coverage after small swipes downtown and major highway crashes.
- Comprehensive insurance swoops in if your car is damaged by anything other than a collision with another vehicle. Car theft, vandalism, hail damage and the occasional deer collision upstate all fall under comprehensive.
If you have a loan or lease on your vehicle, the lender will require
These insurers offer the cheapest full coverage car insurance in New York.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $131 |
| AAA | $229 |
| Trexis | $237 |
| ROOT | $242 |
| Anchor General | $248 |
| Mercury | $259 |
| Bluefire | $272 |
| Electric | $294 |
| The General | $296 |
| Embark General | $306 |
More: Compare cheap full coverage car insurance
Cheapest minimum coverage car insurance in New York
Mercury offers the cheapest minimum coverage car insurance in New York at $204 per month, according to Jerry’s analysis.
New York requires more car insurance than many other states, which means you may pay more for minimum coverage than your friends and family members in other states.
This type of insurance is often recommended for a car that would cost more to replace than you pay to insure it. For example, if you drive an older, low-value car that you don’t intend to repair after an accident, you may not need full coverage.
One potential pitfall of minimum insurance is that liability limits are usually low. If you carry New York’s minimum liability insurance and cause an accident that costs more than your insurer will pay, you’ll be left with the remaining bill.
If you don’t want full coverage, it may be worth your time to compare quotes for minimum coverage and for policies with higher liability limits. The higher-limit policies may be nearly as cheap.
These are the cheapest average minimum coverage quotes for drivers in New York.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Mercury | $34 |
| Electric | $53 |
| Aspire Advantage | $54 |
| Bluefire | $59 |
| Commonwealth Insurance | $89 |
| Clearcover | $100 |
| Dairyland | $101 |
| Trexis | $105 |
| Gainsco | $105 |
| Liberty Mutual | $109 |
More: Get cheap car insurance the smart way, today
Like most other states, New York drivers must carry bodily injury (BI) and property damage (PD) liability insurances. These coverages pay other drivers’ medical bills and car repairs after a wreck.
New York is also a no-fault state, which does not mean that fault falls equally to both parties. It means that both drivers must file a claim with their insurer after an accident, and that everyone carries PIP coverage to pay their own medical bills after an accident.
Finally, the state requires uninsured and underinsured motorist protection, with the same minimum limits as the required liability insurance.
These are the insurance requirements for New York drivers:
- $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.
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheap car insurance by age in New York
For an auto insurer, pricing a policy comes down to how likely the driver is to file a claim, which would cost the company money. Young drivers are statistically the most likely to be involved in an accident, so across the country these drivers pay the most for auto insurance.
As you age and settle into your life, you accumulate driving experience, which lowers your premium. Especially as you add more data points for an insurer to consider — cohabiting with a partner, moving out of the city, shortening your commute — your rates are generally expected to decrease. This is true until you reach your mid- and late 60s, when, statistically, most drivers are less sharp behind the wheel.
Whether your age is seen as a benefit or a drawback as you search for cheap coverage, it’s worth your time to develop a habit of comparing quotes each year to be sure you’re consistently getting a good rate.
Cheap car insurance for New York drivers between 18 and 29 years old
Anchor General offers the cheapest car insurance for young New York drivers seeking full coverage at $204 per month, according to Jerry's quote analysis.
Young New York drivers are starting on their back foot when it comes to car insurance. Not only are they in a state with notoriously high rates, but their age makes them seem riskier to insurers, which also causes insurance companies to hike up rates. If you didn’t drive or carry car insurance in your late teens and early 20s, you may have more of an uphill climb than those who have been laying a track record of clean driving.
Full coverage at this age can be a big expense, but it pays off if you really need it. Even if you only take your car out of the city for the occasional trip upstate, drivers who don’t have the cash to make big repairs or replace their cars have the most to gain by carrying extra insurance.
These insurers offer the cheapest car insurance to drivers in New York.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Anchor General | $204 |
| AAA | $229 |
| Aspire Advantage | $241 |
| ROOT | $241 |
| Trexis | $248 |
| Mercury | $268 |
| Clearcover | $322 |
| Bluefire | $336 |
| Liberty Mutual | $338 |
| Dairyland | $364 |
More: Cheap car insurance for teens
Bluefire offers the cheapest car insurance for young New York drivers seeking minimum coverage at $59 per month, according to Jerry's quote analysis.
These insurers offer the lowest-cost minimum coverage policies for drivers under 30 in New York.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Bluefire | $59 |
| Commonwealth Insurance | $68 |
| Trexis | $75 |
| Assurance America | $75 |
| Liberty Mutual | $84 |
| Clearcover | $105 |
| Gainsco | $114 |
| Embark General | $122 |
| ROOT | $126 |
| The General | $127 |
For some of us, our 20s are the years when we are broke or close to it — it’s hard to balance a job with a full-time courseload at Columbia or Syracuse, and service jobs aren’t known for high salaries.
More: How much car insurance do I need?
It may make financial sense to skip comprehensive and collision during this time if your budget is too tight and your car isn’t worth much. However, it may not be wise to drop all the way down to the New York minimum coverage. The property damage minimum of $10,000 is easy to reach in a severe wreck, and if that’s all your insurance company covers, you’ll be on the hook for any additional repairs.
Jerry insightNew Yorkers who don’t own a car but occasionally drive someone else’s may be covered under that driver’s insurance. If you frequently drive other peoples’ cars, consider a non-owner policy.
Cheap car insurance for 30- to 64-year-old New Yorkers
New York drivers between 30 and 64 years old get the cheapest full coverage car insurance from Aspire Advantage which charges $94 per month, according to Jerry's data.
As you reach your 30s and 40s in New York, choices you make in your personal life can become bigger factors in your car insurance cost. For example, if you buy a house or apartment and bundle insurance policies, your car insurance rate may decrease. This continues as you mature, too: If you add a teenager with good grades to your policy or live with a partner or roommate, your insurer will incorporate that into your premium — usually to your benefit.
During this long period between your 30s and 60s, you’re a desirable customer to many insurers, especially if you keep claims and traffic violations to a minimum. While insurers won’t exactly fight for your business, it’s in your best interest to find the company that can make you the best offer.
Here are the cheapest car insurance rates for drivers aged 30 to 64 in New York.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $94 |
| Bluefire | $187 |
| Electric | $200 |
| Embark General | $209 |
| Trexis | $229 |
| The General | $241 |
| ROOT | $243 |
| Anchor General | $252 |
| Mercury | $256 |
| National General | $262 |
Cheap car insurance rates for New York drivers aged 65 and older
The cheapest full coverage car insurance for New York drivers aged 65 and older costs $290 per month and is offered by Geico according to Jerry's quote analysis.
Cheap car insurance is harder to come by for New Yorkers past the age of 65 because, at this age, insurers expect your driving abilities to decline.
As you reach the age when many Americans retire, carefully consider your current car insurance coverage and liability limits. Folks who drive older cars and don’t travel much past Wegmans may not need full coverage anymore. Your vehicle wouldn’t be protected from storms, thieves or vandals, but your premium would likely lower substantially.
However, if you make frequent trips to Jersey, drive in and out of the city every week or maintain even a short daily commute — and especially if you drive a high-value car — it’s wise to hold onto full coverage.
More: Best car insurance for seniors
These are the cheapest full coverage car insurance policies for New York drivers aged 65 and older.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Geico | $293 |
| Safeco | $345 |
| Progressive | $412 |
| Plymouth Rock | $468 |
| Bristol West | $1,062 |
Some drivers maintain or raise their liability limits at this time to preserve their hard-earned money in the event of an at-fault accident. Low liability limits could lead to a lawsuit that would put assets like your retirement savings and home at risk.
Cheap car insurance for bad credit in New York
The cheapest full coverage car insurance for drivers with poor credit in New York comes from National General at $363 per month, according to Jerry's quoting data.
Credit histories are part of insurance premium calculations in New York, but not all insurers view credit the same way. One insurer could give it more weight than another, and some insurers specialize in coverage for “high-risk” drivers, which can include those with poor credit.
Here are five insurers that offer the lowest rates to New York drivers with bad credit.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| National General | $363 |
| The General | $629 |
| Progressive | $679 |
| Bristol West | $1,034 |
See the lowest minimum coverage rates for New York drivers with poor credit
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Commonwealth Insurance | $99 |
| Gainsco | $109 |
| The General | $360 |
| Progressive | $455 |
| Bristol West | $943 |
Cheapest car insurance for New York drivers with an at-fault accident
The cheapest full coverage car insurance for New Yorkers with an at-fault accident on their record is from Trexis at $203 per month, according to Jerry’s quoting data.
At-fault accidents are, in part, the reason we carry car insurance, but that doesn’t mean it’s not frustrating when it happens. Even if you slid on packed snow and barely swiped another car, if your insurer determines that you’re at fault, expect your premium to rise.
But don’t accept your new rate before shopping around. Another insurer might provide the same coverage at a lower cost. The only way to know is to check.
Here are the insurers offering the cheapest coverage for New York drivers with an at-fault accident on their record.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $203 |
| Commonwealth Insurance | $236 |
| Electric | $274 |
| Aspire Advantage | $344 |
| Bluefire | $351 |
The cheapest car insurance for New York drivers with a speeding ticket
New York drivers with a speeding ticket on their record can find the cheapest full coverage with Gainsco which charges $160 on average, according to Jerry’s quote data.
Like most states, New York uses a point system in which points accumulate on a rolling 18-month basis. When it comes to speeding, going faster gets you more points and a higher fine, and the state is relatively open about the consequences.
| Speed over the limit | Fine | Points |
| 1 to 10 mph | $45 to $150. | 3. |
| 11 to 20 mph | $90 to $300. | 4. |
| 21 to 30 mph | $90 to $300. | 6. |
| 31 to 40 mph | $180 to $600. | 8. |
| More than 40 mph | $180 to $600. | 11. |
You would think insurers also have a publicly available scale detailing how your rate will increase after a speeding ticket, and you would be wrong. We do know car insurance companies have a similar philosophy to the State of New York: Going faster will cost you more.
It’s still possible to get cheap insurance after a speeding ticket, especially if you weren’t clocked going very fast. To find the insurer willing to offer you the best price on the coverage you want, get at least a handful of quotes after you’re cited.
These are the insurers offering the lowest full coverage rates for New York drivers with a speeding ticket for driving less than 15 mph over the limit.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Gainsco | $160 |
| Embark General | $170 |
| The General | $258 |
| Dairyland | $471 |
| Progressive | $525 |
Progressive offers the cheapest full coverage car insurance for New York drivers with a speeding ticket for driving more than 15 mph over the limit at $408 per month.
Cheapest car insurance for New York drivers with other types of violations
Most moving violations add points to New York drivers’ licenses, with a few exceptions, but those points are for the state to keep track of your traffic convictions. Receiving 11 or more points in 18 months could cause the state to suspend your license.
But insurers don’t specifically consider the number of points on your license, they focus on the actual violation and adjust your rate according to their own pricing model. It’s fair to expect an offense that’s treated more severely by the state to cause a higher rate increase, because both entities are ultimately penalizing you for risky behavior, but no two insurers view violations exactly the same way.
More: The average cost of car insurance
Here are some common moving violations, and the average rate New York drivers pay for insurance after getting one.
|
Violation Summary
|
Avg Monthly Quote
|
|---|---|
| Defective Equipment | $168 |
| Illegal Turn | $225 |
| Suspension | $323 |
| Driving on Sus. License | $354 |
| Other | $366 |
Cheapest auto insurance for New York drivers with DWIs
Driving while intoxicated in New York results in a mandatory revocation of your license, with few exceptions. On the first offense, you lose your license for six months and pay a fine of $500 to $1,000. The revocation time and fines increase on second and third offenses.
Insurers see a DWI as an indication that you’re careless with their money, because the risk of causing an accident rises substantially when you’re intoxicated. For that reason, your provider will raise your rate or, as in some cases, drop your policy.
One insurer refusing coverage doesn’t mean they all will, and not all insurers will put the same price tag on your policy after a DWI, so it’s helpful to get a handful of quotes.
Progressive offers the cheapest full coverage auto insurance for New York drivers with a DWI, at $589 per month, according to Jerry’s analysis.
Depending on your premium post-DWI, the right choice for you may be to drop down to a minimum coverage policy, even temporarily. Because New York has a more robust minimum coverage policy than many other states, your money is better protected here with minimum coverage than elsewhere.
If you have room to add coverage, though, consider raising the property damage liability limits, because New York’s $10,000 requirement could be insufficient if you cause a severe accident.
The cheapest car insurance for New York with a DUI seeking a minimum coverage policy is Progressive with an average monthly premium of $555.
3 steps to get cheap car insurance in New York
The easiest way to tell if you could be saving money on auto insurance is to get quotes. Even if your policy isn’t about to renew, and even if you’re relatively happy with your current rate, you can’t know if you’re leaving money on the table until you ask.
Here are three steps to find the cheapest car insurance in New York.
- Choose the right coverage. Just because you live in the city and rarely take your car out doesn’t mean full coverage isn’t right for you. A car that’s garaged or parked on the street is susceptible to a side swipe or theft. Consider the worst-case scenarios, how likely they are and what you’d do in them — for both full coverage and liability limits. Could you afford to pay someone else’s medical bills if they’re over $20,000? Once you’ve got the basics, consider other coverages like gap insurance if you have a leased car or rental coverage if you take long trips. American car insurance works the same way in Canada, so no need to sweat extra costs if you occasionally cross the border.
- Get quotes. You want at least three to five car insurance quotes, but more is better. Make sure that you have the most accurate information about your credit, driving history and vehicle possible, and be sure to compare the same coverages and liability limits for the most accurate, apples-to-apples quotes.
- Check for discounts. Insurers offer all kinds of discounts for bundling a renters or homeowners policy with auto insurance, insuring multiple vehicles, having a kid with good grades and owning a car with certain safety features. Before you purchase coverage, make sure all applicable discounts are included.
Factors affecting car insurance rates in New York
New York’s car insurance may look especially expensive to someone out in Oklahoma — but so might a cocktail, a slice of pizza or a dozen eggs. Pricing is undoubtedly drawn higher by the presence of New York City, which is why it’s important to get personalized quotes to determine the best rate for you.
Here are other statewide factors that affect car insurance rates in New York.
- No-fault insurance laws: New York is one of 12 no-fault insurance states, which means that New York drivers must carry personal injury protection coverage and therefore insurers expect to receive more injury claims from them. On the other hand, no-fault states tend to have fewer costly lawsuits, which can help suppress rates.
- High health care costs: New York’s health care costs are well-documented as some of the highest in the country. The state has the second-highest overall health care spending per person, according to a 2025 study from the New York non-profit advocacy group Community Service Society. Your potentially high medical bills after an accident are often part of an insurer’s calculation when they decide your premium.
- Increased severe crashes: Relative to other states, New York has few fatal car accidents per person. But deadly wrecks have been on the upswing statewide since about 2019, according to a 2024 press release from the comptroller’s office. Unsurprisingly, New York City is responsible for fewer than three fatal accidents per 100,000 people, while the north country and capital region report more than 10. This is a rare example of a pricing factor that may work to lower the rates of drivers in the city while raising rates for those who live outside it.
- Considered legislation: State lawmakers are considering a bill (Assembly Bill A5638) that would prevent insurers from using credit scores to price car insurance policies. Currently, a low credit score is likely to lead to a higher insurance premium for that consumer. But some say that if insurers can’t consider credit information, the burden would shift to “low-risk” drivers. The state has considered such legislation several times before, including in 2023.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
