Updated May 20, 2026

Who is Jerry?

Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ 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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Cheap car insurance in New York, NY

New York drivers pay an average of $1,087 a month for full coverage and $803 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$68

Lowest state minimum quote Jerry has found in last 12 months

$219

Lowest full coverage quote Jerry has found in last 12 months

$1,883

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

New York is one of the most heavily regulated auto insurance markets in the country, and New York City sits at the high end of pricing within the state. Every rate change must get prior approval from the New York Department of Financial Services before it takes effect, and a separate 2018 regulation bars insurers from using education or occupation when placing drivers into pricing tiers. On top of that, New York requires every driver to carry $50,000 in personal injury protection per person, well above the minimum in most other states.

Fraud pushes rates higher, too. The Governor’s office and DFS have flagged New York as second in the nation for staged crashes, with more than 51,000 suspected fraud incidents reported in 2025 alone. The result? A market where premiums vary widely between drivers and ZIPs, but even base rates are unusually high for everyone.

Jerry compares 100+ insurers to help you save. We’ve found quotes for New York drivers starting as low as $219 per month for full coverage (GEICO) and $222 per month for state minimum (GEICO) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for New York drivers

Here are some recent quotes Jerry has pulled for drivers in New York. These aren’t sample rates — they’re actual quotes pulled for New York drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in New York?

Right now, GEICO is the cheapest average carrier for New York drivers at around $222 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

A few things make the New York car insurance carrier landscape look different from other states:

• The cheapest option for New York City drivers with clean records is Liberty Mutual. GEICO sits well below the rest of the standard-market list on both state minimum and full coverage averages in our New York data, with the gap to the next-cheapest standard carrier wider than what we see in less-regulated states. For clean-record shoppers, this means that even when GEICO isn’t ultimately your cheapest carrier, it’s almost always worth getting a quote from them in New York.

• No-fault PIP requirements raise the floor. New York is one of a dozen no-fault states, and every driver has to carry $50,000 in personal injury protection per person, higher than most states require. That mandate pushes the minimum-coverage baseline higher in New York than in tort states, before any individual rating factors come into play.

• Staged-crash fraud is priced into every policy. The Governor’s office and DFS have identified New York as second in the nation for staged auto crashes, with more than 51,000 suspected fraud incidents reported to DFS in 2025 alone. Carriers spread those losses across the book, which means even drivers who never file a claim are paying part of the fraud tab built into New York rates.

• NYDFS bars education and occupation as rating factors. Since this regulation took effect, insurers writing private passenger auto in New York have been prohibited from using a driver’s educational level or occupational status in initial tier placement, unless the carrier can affirmatively demonstrate the use isn’t unfairly discriminatory. That rule narrows how carriers can differentiate between similar drivers compared to states without those guardrails, and it can compress premium gaps within driver profiles that would price more variably elsewhere.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

Cheapest carriers in New York by average, state minimum coverage

GEICO is the cheapest car insurance company in New York for state minimum coverage at an average of $222 per month. 

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
GEICO	$222	$68
GEICO	$222	$68
Liberty Mutual	$355	$229
Plymouth Rock	$385	$285
Progressive	$492	$265

GEICO

Average monthly cost

$222

Cheapest quote we’ve found

$68

GEICO

Average monthly cost

$222

Cheapest quote we’ve found

$68

Liberty Mutual

Average monthly cost

$355

Cheapest quote we’ve found

$229

Plymouth Rock

Average monthly cost

$385

Cheapest quote we’ve found

$285

Progressive

Average monthly cost

$492

Cheapest quote we’ve found

$265

Last Updated June 11, 2026

Based on Jerry data from the past 12 months.

Cheapest carriers in New York by average, full coverage

Liberty Mutual is the cheapest car insurance company in New York for full coverage at an average of $567 per month. 

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Liberty Mutual	$567	$376
GEICO	$639	$219
GEICO	$639	$219
Plymouth Rock	$775	$543
Progressive	$816	$426

Liberty Mutual

Average monthly cost

$567

Cheapest quote we’ve found

$376

GEICO

Average monthly cost

$639

Cheapest quote we’ve found

$219

GEICO

Average monthly cost

$639

Cheapest quote we’ve found

$219

Plymouth Rock

Average monthly cost

$775

Cheapest quote we’ve found

$543

Progressive

Average monthly cost

$816

Cheapest quote we’ve found

$426

Last Updated June 11, 2026

Based on Jerry data from the past 12 months.

Key takeaway: GEICO is the cheapest option for most New York drivers, but Progressive can be more competitive for drivers with less-than perfect records or who need an SR-22 filed. Shopping around is especially important in New York City because rates can vary dramatically between carriers depending on your driving history, coverage needs and neighborhood. Jerry shows you multiple quotes at once so you can compare and save.

Compare 100+ insurers through Jerry in less than 5 minutes

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Why is car insurance expensive in New York?

Drivers in New York with clean records average $927/mo, which is above the NY state average ($716/mo) and above the national average of $261/mo. Insurance fraud schemes, including staged crashes tied to New York’s no-fault system, remain a longstanding issue in the New York City metro area, according to industry groups and law enforcement reporting. New York City’s immense density adds more pressure on top of the statewide forces like the prior-approval rate-regulation environment and $50,000 PIP minimum.

New York car insurance rates by ZIP code

The NYC data Jerry pulled for this analysis covers Manhattan ZIPs, where the gap between cheapest and most expensive ZIPs is wider than in most other large metros. The pattern in the data sorts cleanly along borough geography rather than along income or housing-stock lines.

Cheapest ZIP codes

The cheapest ZIPs cluster across mid and lower Manhattan, in neighborhoods where car ownership is sparse and parking is mostly garaged or commercial rather than on-street. Lenox Hill on the Upper East Side stands out as the single cheapest ZIP in the data set by a meaningful margin, averaging well below the rest of the cheap-ZIP list. Tribeca, the West and East Villages, Chelsea, the Theater District, Midtown East, the Upper West Side and Yorkville fill out the rest. The smaller sample sizes in these ZIPs reflect the reality that most residents in these neighborhoods don’t own cars, which produces a self-selected insured population skewing toward lower claim frequency.

Most expensive ZIP codes

The most expensive ZIPs sit entirely in Upper Manhattan: Harlem, Hamilton Heights, Washington Heights and Inwood. The sample sizes here are several times larger than the cheap-ZIP list, reflecting much higher actual driver density in these neighborhoods. The combination of more on-street parking, higher claim frequency and a different insured-population mix drives the gap, and these are the New York City ZIPs where the largest premium savings tend to be available to drivers willing to comparison shop.

New York car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s New York data shows for each, and what it actually means for your quote.

By age

Age is one of the strongest predictors of price in New York’s auto market, especially for drivers under 25. New York City’s full coverage data also shows an unusual feature: drivers ages 21 to 24 actually pay more than drivers ages 18 to 20, likely because the youngest drivers are typically still on parental policies and benefit from household-level discounts, while drivers buying their own policies in their early twenties face full standalone pricing.

Jerry’s New York data shows a rate cliff around 25, resulting in a $394/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $460/mo drop for full coverage. If you’re in the 21 to 24 range, this shift at 25 happens automatically with most carriers, which makes re-shopping the month you turn 25 one of the best rate-lowering moves available to younger New York drivers.

Average cost of insurance in New York by age group, state minimum

Average cost of insurance in New York by age group, full coverage

By driving record

Having at-fault accidents adds 6% on average for New York Jerry users. Drivers with at-fault accidents actually average slightly less in this state than those with a single speeding ticket — likely a quirk of carrier mix, since drivers with at-fault histories often get matched with non-standard carriers like Bristol West that quote competitively at the minimum-coverage level.

For those with DUI convictions, premiums frequently double (or more), especially on state minimum coverage policies. Surcharges in New York typically stay on your record for 36 months for tickets and accidents. Jerry monitors your policy and automatically reshops to let you know when a better rate becomes available, including when surcharges fall off your rating.

Average cost of state minimum coverage in New York, by driving record

Average cost of full coverage in New York, by driving record

By credit score

Credit-based insurance scoring is permitted in New York, with limits. NYDFS reviews how insurers use credit-based scores in their rate filings, and other rating factors that have been challenged as proxies for socioeconomic status (like educational level and occupational status) are explicitly prohibited. In general, drivers with excellent credit see the largest discounts and drivers with poor credit see the largest surcharges, while middle-credit tiers can produce mixed results depending on which carrier prices the policy.

Average cost of state minimum coverage in New York, by credit score

Average cost of full coverage in New York, by credit score

How Jerry finds car insurance savings for New York City drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry helps New York City drivers find more affordable coverage by comparing rates from 100+ insurers in just minutes. Here’s a look at real quotes Jerry customers in New York City found when they shopped around.

Recent quotes

Learn more: Best car insurance in New York

Calculate your car insurance costs

If you’re looking to find the cheapest car insurance in New York, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Checking quotes before your policy renews helps you avoid overpaying, no matter which coverage level you choose. Since insurers price driver profiles in New York City differently, the same coverage can come with very different price tags.

Here’s how those differences show up for real Jerry customers:

Recent customer quotes

Jerry Agent Tip 2: Always stack discounts you qualify for

Drivers in New York City can lower their premiums by taking advantage of discounts like having a safe driving record, getting a quote ahead of time or going paperless. These savings can help you get a lower quote without giving up the coverage you need. Jerry automatically searches for discounts you qualify for so you don’t miss a chance to save.

Jerry Agent Tip 3: Balance coverage and cost for smarter protection

When you understand what each coverage level includes, it becomes easier to find protection that fits your life and your budget. Minimum coverage keeps premiums low and covers only what your state requires. Higher tiers offer added protections such as coverage for your own car and support with towing and rental costs after an accident. 

Here are four coverage tiers offered by Jerry that can help you find the best fit for your needs and budget.

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

Get personalized car insurance rates now

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

New York car insurance minimums: What’s required in New York

New York requires every driver to carry liability coverage, uninsured motorist bodily injury coverage and no-fault personal injury protection. Here are the minimum requirements 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 protection (PIP) of:

• $50,000 per person, regardless of fault, to cover medical expenses, lost earnings and other damages.

Driving without the required coverage in New York can result in registration suspension, license suspension and fines.

New York’s minimums are among the most comprehensive in the country, but they’re still not enough for most drivers in a serious crash. The average crash with injuries costs more than $160,000, according to the National Safety Council, more than three times New York’s bodily injury per-person minimum. Most New York City drivers benefit from carrying liability above the minimums plus SUM coverage for additional uninsured-driver protection. Jerry can help you find affordable car insurance starting at just $335/mo.

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes