Cheapest Car Insurance in New York for 2024

New York auto insurance tends to be pretty expensive, even for good drivers. Those hoping to save are often interested in the cheapest car insurance in New York, so we evaluated the top providers to see which offered the lowest rates for common driver personas.

You can view the cheapest auto insurance in New York below, but keep in mind that the cheapest providers don't always offer the best coverage or customer service.

• Cheapest overall: Kemper
• Cheapest with clean driving record: Geico
• Cheapest for teens: NYCM Insurance
• Cheapest for seniors: Kemper
• Cheapest for military members: Geico
• Cheapest for minimum coverage: Geico
• Cheapest with DUI: Kemper
• Cheapest with excellent credit: Progressive
• Cheapest with poor credit: Geico
• Cheapest with speeding ticket: Kemper
• Cheapest for commuting: Kemper
• Cheapest with prior accident: Kemper

How we chose the cheapest car insurance in New York

The data found on this page is insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.

Cheapest car insurance in New York overall: Kemper

The average annual New York auto insurance premium is $4,200. That's well above the national average. But drivers who work with the following insurance companies often pay a lot less:

Check out our full list of best car insurance companies in New York.

Cheapest car insurance in New York with a clean driving record: Geico

Drivers with clean records pay $3,544 per year for New York car insurance. But again, rates vary considerably by provider. These companies will cover good drivers at far more affordable prices:

Cheapest car insurance in New York for teens: NYCM Insurance

NYCM Insurance offers the most affordable rate for teen drivers in New York. Its average annual premium is $4,604. That's far less than the state average of $8,499 per year. Here's a closer look at which other companies offer great rates for teen drivers:

Cheapest car insurance in New York for seniors: Kemper

Seniors have some of the lowest average annual premiums in the state at $3,094. However, there are some drivers that pay just over half of that for coverage. Here are some of the cheapest New York auto insurers for seniors:

Cheapest car insurance in New York for military members: Geico

Military members pay $3,477 per year for New York auto insurance. Military discounts available through some insurers can help reduce this. So can working with the following insurance companies:

Cheapest car insurance in New York for minimum coverage: Geico

New York state minimum auto insurance requirements are a bit higher than the national average, so it's no surprise that its average annual premium -- $1,361 -- is above average, too. But there are still companies willing to insure New York drivers for less than $100 per month:

Cheapest car insurance in New York with a DUI: Kemper

A DUI increases the average New York auto insurance premium significantly because it indicates that the driver engages in risky behavior. Average annual premiums for New York drivers with one DUI is $5,246. But the following companies don't penalize those with DUIs quite as much as others:

Cheapest car insurance in New York with excellent credit: Progressive

Having excellent credit reduces New York auto insurance premiums because it's considered indicative of a responsible individual. It reduces premiums to $2,353 per year. However, working with these companies could save drivers even more:

Cheapest with poor credit: Geico

Poor credit raises New York auto insurance premiums because it's an indicator of risky behavior. These drivers can pay about $6,046 per year on average. But there are several insurers that don't weight credit scores quite so heavily in their risk algorithms:

Cheapest car insurance in New York with a speeding ticket: Kemper

Speeding tickets also raise New York auto insurance premiums, though not as much as accidents. A single speeding ticket drives rates up to $4,261 per year. But the following companies don't penalize drivers nearly as much for this infraction:

Cheapest for commuting: Kemper

Those who commute in New York pay about $4,227 per year for coverage. But those who work with the following companies pay significantly less:

Cheapest with prior accident: Kemper

A single accident raises the average New York auto insurance premium to $4,773 per year. Subsequent accidents within a few years of the first can raise rates even higher. But drivers have a good chance of finding a reasonable insurance rate with these providers:

New York costs versus the national average

New York auto insurance costs are quite a bit higher than the national average for most types of drivers. The following table outlines average rates within the state and the nation for the driver types discussed above.

Car insurance discounts available in New York

New York drivers may be able to reduce their premiums by taking advantage of the following car insurance discounts:

• Accident-Free
• Anti-Lock Brakes
• Anti-Theft Device
• Auto Pay
• Continuous Insurance
• Daytime Running Lights
• Defensive Driving Course
• Driver Training Course
• Employee
• Good Student
• Homeowner
• Hybrid Vehicle
• Low Mileage
• Military
• Multi-Car
• Multi-Policy
• New Vehicle
• Online Payment
• Paid in Full
• Paperless
• Passive Restraint
• Senior
• Student Away at School
• Teen Driver
• Telematics/Usage-Based

Minimum auto insurance requirements in New York

All New York drivers must carry at least the following car insurance:

• $50,000 of personal injury protection (PIP)
• $25,000 of bodily injury liability coverage per person
• $50,000 of bodily injury liability coverage per accident
• $10,000 of property damage liability coverage
• $25,000 of uninsured motorist bodily injury coverage per person
• $50,000 of uninsured motorist bodily injury coverage per accident

Our auto insurance methodology

Our insurance products are then rated on a scale of one to five stars, primarily focusing on:

Pricing

With so many options for insurance across the board these days, it's easiest, and quite effective, to first look at the bottom line. Do single out competitive prices across insurance categories it's important to focus on:

• Deductibles
• Terms
• Coverage
• The fine print

Discounts

Insurance provides coverage for unexpected financial burdens and piece of mind. But it's important to check your policies and see how you can lower your premium. Insurance companies offer discounts for all sorts of things now from safe driving to good grades to automatic bill pay. Pay attention to:

• Discounts offered
• Variety of discounts
• Discount qualifications

Perks/Benefits

The benefits of insurance these days have gone far beyond just what your policy covers. Most companies and policies come with perks -- some of which may be completely unrelated to your insurance policy. Take a look at:

• Non-pricing related perks offered
• Benefits unrelated to your coverage
• Perks that stand out in the industry
• Will you actually use the benefit?

Customer Service/Claims Process

Policy research and coverage options are great, but how is the process when you have to actually use your insurance policy? The best coverage doesn't hold much value if it's a hassle to get paid out. Pay special attention to:

• How hard it is to file a claim
• If your provider has a history of resisting payouts
• The customer satisfaction scores for your provider