Cheap Car Insurance in New York City (NYC) (August 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 23, 2025
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Cheap Car Insurance in New York City (NYC) (August 2025)

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Driving in New York City can be challenging thanks to heavy traffic, unique driving laws, and many pedestrians and cyclists. But even if you’re a seasoned pro who’s mastered the city’s “no right on red” rule and found a hidden gem of a parking garage, you still need to protect your vehicle with the right car insurance policy in case of an accident.

To help you on your search for car insurance in New York City, we’ve gathered quote data from real Jerry customers to help you preview potential rates and see how your driving record, age and policy preferences affect your premium costs.

More: Best car insurance in New York

Cheapest minimum coverage insurance in NYC

Here are the required minimum car insurance coverages in New York:

  • $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.

These are some of the cheapest car insurance quotes for minimum coverage real New York City residents received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$44 $532 Geico 41 June 26, 2025 New York, NY 10065
$56 $667 Geico 30 June 23, 2025 New York, NY 10021
$57 $683 Geico 37 June 21, 2025 New York, NY 10128
$61 $736 Geico 42 February 12, 2025 New York, NY 10023
$62 $739 Geico 50 April 19, 2025 New York, NY 10027
$62 $748 Geico 27 July 7, 2025 New York, NY 10003
$63 $756 Geico 45 May 17, 2025 New York, NY 10028
$63 $761 Geico 55 March 20, 2025 New York, NY 10025
$72 $863 Geico 39 July 3, 2025 New York, NY 10009
$76 $917 Geico 35 March 2, 2025 New York, NY 10001
Last Updated Jul, 2025

If you have a loan or lease on 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.

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More: Cheapest car insurance in New York

Cheapest full coverage insurance in NYC

Full coverage insurance combines the state’s minimum required liability coverage with collision and comprehensive protections. Liability car insurance covers injuries or property damage you cause to others in an accident, while collision coverage helps pay for repairs to your vehicle after an accident, regardless of fault. Comprehensive insurance protects against non-collision-related damages, such as those caused by weather, animal collisions or theft.

These are some of the cheapest quotes real Jerry customers got for full coverage in New York City.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$86 $1,033 Geico 67 March 26, 2025 Yes New York, NY 10028
$95 $1,142 Progressive 28 June 3, 2025 Yes New York, NY 10026
$120 $1,444 Geico 47 May 2, 2025 Yes New York, NY 10002
$149 $1,789 Geico 52 June 8, 2025 Yes New York, NY 10003
$159 $1,909 Geico 48 March 17, 2025 Yes New York, NY 10075
$160 $1,917 Geico 46 March 19, 2025 Yes New York, NY 10001
$168 $2,017 Progressive 31 March 30, 2025 Yes New York, NY 10027
$172 $2,068 Geico 41 June 26, 2025 Yes New York, NY 10065
$187 $2,238 Geico 33 July 14, 2025 Yes New York, NY 10009
$200 $2,399 Geico 36 March 26, 2025 Yes New York, NY 10029
Last Updated Jul, 2025

More: Best car insurance companies

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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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.

Cheapest car insurance for young drivers in NYC (18-29 years old)

Car insurance tends to get cheaper as you reach your late 20s, but young drivers can still find affordable rates. These are some of the cheapest quotes that Jerry customers between the ages 18 and 29 years old have received in New York City.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$62 $748 Geico 27 No July 7, 2025 New York, NY 10003
$79 $945 Geico 26 No February 28, 2025 New York, NY 10029
$82 $983 Geico 24 No June 1, 2025 New York, NY 10022
$95 $1,142 Progressive 28 Yes June 3, 2025 New York, NY 10026
$105 $1,262 Geico 25 No March 11, 2025 New York, NY 10026
$139 $1,672 Geico 29 No February 26, 2025 New York, NY 10040
$188 $2,254 Geico 27 No April 22, 2025 New York, NY 10019
$209 $2,512 First Acceptance 23 No July 7, 2025 New York, NY 10040
$213 $2,561 Geico 24 No April 16, 2025 New York, NY 10029
$232 $2,780 Progressive 26 No March 9, 2025 New York, NY 10002
Last Updated Jul, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in NYC (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$56 $667 Geico 30 No June 23, 2025 New York, NY 10021
$57 $683 Geico 37 No June 21, 2025 New York, NY 10128
$62 $739 Geico 50 No April 19, 2025 New York, NY 10027
$63 $756 Geico 45 No May 17, 2025 New York, NY 10028
$78 $941 Geico 35 No February 22, 2025 New York, NY 10029
$83 $991 Geico 36 No March 5, 2025 New York, NY 10001
$92 $1,102 Geico 30 No March 20, 2025 New York, NY 10027
$107 $1,283 Geico 47 No March 27, 2025 New York, NY 10033
$107 $1,285 Geico 34 No February 23, 2025 New York, NY 10014
$110 $1,319 Geico 49 No June 7, 2025 New York, NY 10002
Last Updated Jul, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$86 $1,033 Geico 67 Yes March 26, 2025 New York, NY 10028
$117 $1,409 Geico 83 No May 25, 2025 New York, NY 10025
$117 $1,410 Geico 79 No March 19, 2025 New York, NY 10003
$139 $1,672 Geico 76 No July 7, 2025 New York, NY 10030
$173 $2,077 Geico 59 No January 30, 2025 New York, NY 10031
$200 $2,397 Safeco 55 No May 14, 2025 New York, NY 10031
$228 $2,734 Progressive 63 No March 18, 2025 New York, NY 10036
$254 $3,043 Geico 64 Yes July 8, 2025 New York, NY 10009
$263 $3,160 Progressive 70 Yes June 2, 2025 New York, NY 10025
$266 $3,192 Geico 58 Yes April 7, 2025 New York, NY 10039
Last Updated Jul, 2025

More: Best car insurance for seniors

Cheapest car insurance for drivers with clean records in NYC

Monthly Quote
Annual Quote
Insurance Company
Date of Quote
Has Full Coverage
City, State
ZIP Code
$56 $667 Geico June 23, 2025 No New York, NY 10021
$57 $683 Geico June 21, 2025 No New York, NY 10128
$62 $739 Geico April 19, 2025 No New York, NY 10027
$62 $748 Geico July 7, 2025 No New York, NY 10003
$63 $756 Geico May 17, 2025 No New York, NY 10028
$78 $941 Geico February 22, 2025 No New York, NY 10029
$79 $945 Geico February 28, 2025 No New York, NY 10029
$82 $983 Geico June 1, 2025 No New York, NY 10022
$83 $991 Geico March 5, 2025 No New York, NY 10001
$86 $1,033 Geico March 26, 2025 Yes New York, NY 10028
Last Updated Jul, 2025

Cheapest car insurance for drivers with low credit scores in NYC

A credit score below 550 will likely lead to higher car insurance costs, but it still may be possible to find a good rate. Here are the lowest quotes Jerry customers in New York City with low credit scores have received.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $330 $3,960 Progressive 46 July 11, 2025 New York, NY 10029
<550 $407 $4,888 Progressive 31 June 14, 2024 New York, NY 10019
<550 $473 $5,676 Progressive 46 January 4, 2025 New York, NY 10009
<550 $473 $5,678 Progressive 46 May 18, 2024 New York, NY 10044
<550 $562 $6,749 Progressive 27 July 16, 2025 New York, NY 10705
<550 $608 $7,298 Progressive 37 July 3, 2025 New York, NY 10025
<550 $619 $7,428 Progressive 56 July 17, 2024 New York, NY 10033
<550 $720 $8,642 Progressive 63 December 4, 2024 New York, NY 10025
<550 $835 $10,014 Progressive 36 June 3, 2025 New York, NY 10002
<550 $911 $10,930 Progressive 30 May 16, 2025 New York, NY 10025
Last Updated Jul, 2025

Cheapest car insurance for drivers with at-fault accidents in NYC

An at-fault accident can cause your car insurance costs to rise. Here are some of the cheapest rates New York City drivers have received after an at-fault accident.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $305 $3,662 Progressive 66 No February 3, 2025 New York, NY 10039
At Fault With No Injury $320 $3,842 Progressive 54 No June 25, 2025 New York, NY 10023
At Fault With No Injury $393 $4,710 Progressive 27 No May 12, 2025 New York, NY 10021
At Fault With No Injury $404 $4,848 Progressive 45 No February 16, 2025 New York, NY 10032
At Fault With No Injury $495 $5,938 Progressive 34 No April 16, 2025 New York, NY 10033
Last Updated Jul, 2025

Cheapest car insurance for drivers with speeding tickets in NYC

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $431 $5,168 Progressive 59 July 14, 2024 New York, NY 10011
Speeding under 15 $694 $8,324 Bristol West 51 May 31, 2025 New York, NY 10009
Speeding over 15 $815 $9,778 Progressive 46 May 9, 2025 New York, NY 10016
Speeding under 15 $935 $11,222 Progressive 53 July 18, 2024 New York, NY 10040
Speeding under 15 $1,062 $12,742 Progressive 36 October 26, 2024 New York, NY 10002
Last Updated Jul, 2025

Methodology

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
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.