Best New York Car Insurance

Popular car insurance companies in NY include Geico, Progressive, and Farmers. The average rates for full coverage in the state are $108.34/mo. Compare quotes below to lower your rates.

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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: Jan 21, 2021

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Here's what you need to know...

  • New York is also a no-fault state
  • As long as your vehicle’s registration is valid, you must maintain your liability insurance
  • If drivers do allow their insurance to lapse, they must even submit their plates to the DMV

New York State motorists face average car insurance premiums which run about $2,500 a year, or around $1,000 higher than the current average car insurance premiums in the rest of the country.

Part of these inflated premiums can be attributed to the car insurance laws of New York State, which mandate insurance coverage from only companies authorized to do business in the state.

Out-of-state policies do not suffice, shrinking the pool of competition auto insurance companies face. In addition, New York State mandates liability insurance at the following minimum car insurance amounts:

  • $25,000/50,000 for injury
  • $50,000/100,000 for death
  • $10,000 for property damage

As long as your vehicle’s registration is valid, you must maintain your liability insurance. New York is also a no-fault state, meaning that your insurance company will make payments for your injury claims up to a specified limit, regardless of fault.

Nevertheless, many well-known national companies offer New York car insurance at acceptable rates.

Find cheap quotes today for free with our zip code search tool at the top of this page!

Prominent New York Car Insurance Companies

Several of New York’s most popular companies for auto insurance include:

— Geico

Offering auto insurance in all New York Cities and towns, Geico calls itself New York’s number one auto insurance company. Geico employs over 4,000 in the state, with major offices in both Buffalo and Long Island.

As a major auto insurance company, New York State Geico customers also have access to some of the benefits offered by a national leader. First of all, Geico makes initially getting a car insurance quote, and then managing your policy, simple.

Customers are able to manage all of their policy needs online, including:

  • Bill Payment
  • Car Coverage Changes
  • Drivers Included on Your Policy

In addition, Geico offers car insurance discounts to the policyholders who pass an authorized accident prevention program in New York which has been approved by the New York State Department of Motor Vehicles.

These courses may be either given in the classroom or through the internet or another alternative delivery method.

The Empire Safety Council, I DRIVE SAFELY, and National Traffic Safety Institute are just three of the course providers with both classroom and alternative instruction delivery methods.

— Progressive

Another leading national insurance provider, Progressive offers New York drivers exceptional policy choices and benefits to choosing their brand of insurance. Serving all cities in the state, the company offers an impressive selection of discounts by choosing their brand of insurance, including the following:

Serving all cities in the state, the company offers an impressive selection of discounts by choosing their brand of insurance, including the following:

  • Accident Forgiveness Drivers that have a car insurance policy with Progressive for four years, and do not have an accident for three consecutive years, will not see a raise in rates because of an accident that happens after this three-year period, regardless of who is at fault. Drivers who choose Progressive will see no charge for Accident Forgiveness
  • Homeowners Discount – Homeowners receive a discount on car insurance for owning their house, condo, or mobile home
  • Multi-Car Discount – When you insure more than one car, they are also eligible to save money on their policy
  • Snapshot Discount – With this unique discount option, drivers simply have to enroll in the program online when they buy their car insurance policy, plug the Snapshot device into their car, and then drive as normal. Progressive keeps track of drivers’ driving habits for the next 30 days
  • Pay in Full – When drivers pay for their entire policy up front, they are eligible for additional savings
  • E-sign – Drivers can see a $50 saving immediately on their first policy with Progressive by signing their documents online during purchase

Progressive also offers other enticing offers to help their insurance stand out. This includes the “Name Your Price” option which allows drivers to adjust an initial quote to a price they choose and then pick a coverage package within that amount.

This company also makes reporting accidents easier by allowing drivers to do so online. In addition, Progressive offers easy access to Progressive claims offices with the 20 the company has located throughout the state.

— Farmers

Farmers is another popular insurance option which allows consumers to meet several insurance needs besides just automotive.

These include home, life, and small business insurance which gives consumers the opportunity to save with multi-line discounts. Some of the other discounts which may be available to New York drivers include:

Some of the other discounts which may be available to New York drivers include:

  • Accident Prevention Discounts
  • Alternative Fuel Discounts
  • Good Student Discounts
  • Multi-Car Discounts
  • Passive Restraint Discounts

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Young Driver Car Insurance Options

Young motorists and those with driving record blemishes can still find affordable car insurance options by contacting state-wide and regional companies that cater to their particular issues.

Although premiums for these drivers may be higher, these companies generally allow payments to be made in monthly installments, which lessens the financial burden for these drivers.

Although young drivers, particularly motorists from ages 17 to 20, are largely at the mercy of auto insurance companies based on statistical data indicating their increased risk of virtually all vehicular mishaps, there are steps they can take to lessen the insurance premium burden while also getting high-quality insurance.

One way is to enroll in any driver safety courses offered. Another, even simpler way to avoid high insurance premiums is to avoid vehicles with automatically-inflated premiums, such as sports cars and luxury vehicles.

Additional Car Insurance Considerations

New York State punishes lapses in car insurance coverage harshly. If drivers do allow their insurance to lapse, they must even submit their plates to the DMV.

If a lapse in coverage does occur, the following actions are taken against the driver:

  • Driver’s license suspension
  • Registration suspension

If vehicle owners drive without car insurance or let someone else operate their uninsured vehicle, the may be fined up to $1,500. In addition, these drivers must pay the DMV a $750 civil penalty when they do attempt to get their license back after having it revoked.

New York State will revoke the driver’s license and registration for a minimum of one year if the driver of a motor vehicle gets into an accident while not having insurance with liability coverage.

This will also happen to vehicle owners if someone else crashes their vehicle while it is not insured.

Finally, the State of New York mandates any driver without the required amount of insurance coverage to immediately turn in their license plates.

If drivers fail to turn in their plates after a lapse in coverage, they will see a suspension of registration for the same number of days they did not have coverage.

If the length of time they missed coverage is greater than 90 days, the state will suspend the vehicle owner’s driver’s license for the same number of days as the registration. Following the suspension, drivers will be forced to pay a termination fee of $25 to reinstate their license.

Following the suspension, drivers will be forced to pay a termination fee of $25 to reinstate their license.

In New York, as in most states, you do not want to drive without adequate car insurance coverage.

Whether you just got a new car, or you’re looking for a new company, compare free car insurance quotes today and save with our quote comparison tool below!

References:

  1. https://www.dfs.ny.gov/consumer/faqs/faqs_auto.htm
  2. https://www.geico.com/information/discounts/car-insurance-discounts/
  3. http://ntsi.com/
  4. https://www.progressive.com/auto/
  5. https://www.farmers.com/auto/

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Average Monthly Car Insurance Rates by State