Compare New York, NY Car Insurance Rates (2021)

Car insurance in New York, NY averages $624 a month. New York, New York car insurance requirements are 25/50/10, but you might need full coverage insurance if your car is financed. To find cheap New York car insurance rates, compare quotes from the top car insurance companies in New York, NY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in New York for teen drivers is GEICO
  • The cheapest car insurance company in New York is GEICO
  • Average car insurance rates in New York, NY after a DUI are $10,143/year

If you need to buy New York, New York car insurance, the options can be confusing. Everything you need to know about car insurance in New York, NY is right here.

You’ll find New York car insurance rates, the cheapest New York, NY car insurance companies, and information on New York car insurance laws. You can also compare New York, New York car insurance rates to Yonkers car insurance rates, New Rochelle car insurance rates, and Schenectady car insurance rates.

Ready to find affordable New York, NY car insurance today? Enter your ZIP code for fast, free New York car insurance quotes.

Cheapest New York, NY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect New York, NY car insurance rates? Every New York, New York car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in New York, New York

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $5,704 $5,227 $5,465 $5,511 $17,126 $18,078 $5,331 $5,239
GEICO $2,738 $2,636 $2,635 $2,596 $5,647 $8,725 $2,451 $2,516
Liberty Mutual $9,422 $9,422 $8,768 $8,768 $18,426 $26,711 $9,422 $10,014
Nationwide $5,404 $5,404 $5,078 $5,078 $9,898 $14,953 $5,404 $7,001
Progressive $3,848 $3,448 $2,963 $3,046 $12,506 $13,482 $4,769 $4,393
State Farm $4,423 $4,423 $3,887 $3,887 $12,907 $15,779 $4,890 $5,096
Travelers $6,228 $6,009 $5,598 $5,812 $13,807 $16,071 $6,423 $6,449
USAA $3,388 $3,341 $3,057 $3,082 $13,589 $16,182 $4,388 $4,886

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Minimum Car Insurance in New York, NY

Every driver must carry the minimum car insurance in New York, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in New York, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest New York, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in New York, NY. Compare credit history car insurance rates in New York from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in New York, New York

Insurance Company Poor Fair Good
Allstate $12,550 $6,976 $5,854
GEICO $4,689 $3,446 $3,093
Liberty Mutual $17,715 $11,537 $8,605
Nationwide $7,277 $7,277 $7,277
Progressive $10,007 $4,765 $3,399
State Farm $9,751 $6,121 $4,862
Travelers $11,944 $7,025 $5,930
USAA $10,046 $5,017 $4,404

Cheapest New York, NY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in New York, NY to rates for a clean record with top companies.

Annual New York, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $7,089 $7,089 $10,588 $9,074
GEICO $2,884 $3,147 $6,058 $2,884
Liberty Mutual $9,912 $9,912 $20,739 $9,912
Nationwide $5,462 $5,462 $12,589 $5,596
Progressive $5,876 $5,876 $6,554 $5,921
State Farm $6,565 $6,565 $7,258 $7,258
Travelers $7,046 $8,901 $9,009 $8,243
USAA $5,809 $5,901 $8,345 $5,901

Cheapest New York, NY Car Insurance for Teen Drivers

Teen car insurance in New York, NY can be expensive. Take a look at rates from the top car insurance companies in New York for teenagers.

Annual Car Insurance Rates for Teen Drivers in New York, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $17,126 $18,078
GEICO $5,647 $8,725
Liberty Mutual $18,426 $26,711
Nationwide $9,898 $14,953
Progressive $12,506 $13,482
State Farm $12,907 $15,779
Travelers $13,807 $16,071
USAA $13,589 $16,182

Cheapest New York, NY Car Insurance for Seniors

Take a look at New York, NY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in New York, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $5,465 $5,511
GEICO $2,635 $2,596
Liberty Mutual $8,768 $8,768
Nationwide $5,078 $5,078
Progressive $2,963 $3,046
State Farm $3,887 $3,887
Travelers $5,598 $5,812
USAA $3,057 $3,082

Cheapest New York, NY Car Insurance Rates After a DUI

A DUI in New York, NY increases car insurance rates. Compare New York, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in New York, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $10,588
GEICO $6,058
Liberty Mutual $20,739
Nationwide $12,589
Progressive $6,554
State Farm $7,258
Travelers $9,009
USAA $8,345

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Cheapest New York, NY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in New York, NY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in New York, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,338 $8,582
GEICO $3,646 $3,840
Liberty Mutual $12,252 $12,986
Nationwide $7,277 $7,277
Progressive $6,057 $6,057
State Farm $6,650 $7,174
Travelers $8,300 $8,300
USAA $6,422 $6,556

Cheapest New York, NY Car Insurance Rates by ZIP Code

New York car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in New York, NY.

Annual Car Insurance Rates by ZIP Code in New York, New York

ZIP Code Average Annual Rates
10001 $6,188
10002 $6,283
10003 $6,103
10004 $6,132
10005 $6,151
10006 $6,151
10007 $6,153
10009 $6,283
10010 $5,847
10011 $6,061
10012 $6,105
10013 $6,074
10014 $6,076
10016 $5,843
10017 $5,830
10018 $6,188
10019 $5,828
10020 $5,857
10021 $5,784
10022 $5,828
10023 $5,781
10024 $5,794
10025 $6,474
10026 $6,865
10027 $6,869
10028 $5,819
10029 $6,446
10030 $7,278
10031 $7,278
10032 $7,308
10033 $7,309
10034 $7,409
10035 $7,184
10036 $5,828
10037 $7,283
10038 $6,197
10039 $7,305
10040 $7,301
10041 $7,094
10044 $6,480
10045 $6,467
10055 $6,361
10060 $7,241
10065 $6,286
10069 $6,500
10075 $5,927
10090 $7,241
10095 $7,241
10103 $6,361
10104 $6,361
10105 $6,361
10106 $6,361
10107 $6,361
10110 $6,467
10111 $6,361
10112 $6,361
10115 $6,527
10118 $6,585
10119 $6,682
10120 $6,682
10121 $6,682
10122 $6,682
10123 $6,682
10128 $5,925
10151 $6,444
10152 $6,444
10153 $6,437
10154 $6,437
10155 $6,437
10158 $6,445
10161 $6,412
10162 $6,003
10165 $6,437
10166 $6,437
10167 $6,437
10168 $6,222
10169 $6,222
10170 $6,222
10171 $6,222
10172 $6,229
10173 $6,222
10174 $6,222
10175 $6,222
10176 $6,222
10177 $6,222
10178 $6,229
10199 $6,305
10270 $6,503
10271 $6,503
10278 $6,503
10279 $6,503
10280 $6,147
10281 $6,524
10282 $6,456
10301 $6,855
10302 $6,898
10303 $6,895
10304 $6,911
10305 $6,911
10306 $6,920
10307 $6,853
10308 $6,876
10309 $6,854
10310 $6,857
10312 $6,858
10314 $6,850
10451 $9,063
10452 $9,098
10453 $8,813
10454 $9,117
10455 $9,159
10456 $9,212
10457 $9,077
10458 $8,211
10459 $8,874
10460 $8,560
10461 $7,920
10462 $8,074
10463 $7,921
10464 $7,291
10465 $7,634
10466 $8,166
10467 $8,147
10468 $8,244
10469 $8,114
10470 $7,318
10471 $7,158
10472 $8,362
10473 $8,001
10474 $9,115
10475 $7,971
11005 $7,733
11201 $8,502
11203 $10,096
11204 $9,109
11205 $9,309
11206 $9,874
11207 $10,476
11208 $10,055
11209 $8,557
11210 $9,542
11211 $9,245
11212 $10,577
11213 $10,499
11214 $9,155
11215 $8,722
11216 $10,296
11217 $8,619
11218 $9,063
11219 $9,088
11220 $8,605
11221 $10,297
11222 $8,972
11223 $9,358
11224 $9,253
11225 $10,298
11226 $9,747
11228 $8,659
11229 $9,292
11230 $9,337
11231 $8,496
11232 $8,910
11233 $10,546
11234 $9,633
11235 $9,567
11236 $10,081
11237 $9,532
11238 $9,442
11239 $10,214
11426 $7,744

The Best Cheap Car Insurance Companies in New York, NY

Take a look at a side-by-side comparison of the top car insurance companies in New York, NY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in New York, New York

Insurance Company Average Annual Rates
Allstate $8,460
GEICO $3,743
Liberty Mutual $12,619
Nationwide $7,277
Progressive $6,057
State Farm $6,912
Travelers $8,300
USAA $6,489

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Category Winners: Cheapest Car Insurance in New York, New York

Find the cheapest car insurance companies in New York, NY for each category right here.

Best Annual Car Insurance Rates by Company in New York, New York

Category Insurance Company
Teenagers GEICO
Seniors GEICO
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Cheapest New York, NY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your New York car insurance rates. Find the cheapest New York, NY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in New York, New York

Insurance Company Low Medium High
Allstate $7,335 $8,379 $9,666
GEICO $3,473 $3,707 $4,049
Liberty Mutual $11,976 $12,585 $13,297
Nationwide $6,693 $7,185 $7,954
Progressive $5,636 $5,996 $6,539
State Farm $6,473 $6,958 $7,304
Travelers $7,669 $8,153 $9,077
USAA $6,267 $6,447 $6,753

What affects car insurance rates in New York, New York?

What factors can have an impact on New York, NY car insurance? There are several reasons why New York car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in New York, New York.

Commute Time in New York

The more time you spend in your car the higher the risk of an accident. The average commute length in New York, NY is 41.5 minutes according to City-Data.

Traffic in New York

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. New York, NY traffic data from INRIX ranks New York as the 3rd-most congested in the world.

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Compare Car Insurance Quotes in New York, NY

Ready to find affordable New York, New York car insurance today? Enter your ZIP code for fast, free New York, NY car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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