Affordable car insurance in New York

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Average rates at the top car insurance companies in New York

	Company	Average Annual Premium
	Main Street America Insurance	1,086
	Progressive	1,253
	Geico	1,566
	NYCM Insurance	1,806
	State Farm	1,863
	Allstate	2,180
	Erie Insurance	2,256
	Chubb	3,223
	Travelers	3,376
	Utica National Insurance Group	4,040
	Kemper	4,666

Based on a premium coverage policy for a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

New York auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the coverage you need at a price you can afford.

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Personalized rate estimates calculated using the insurance company’s rating plan (plus any applicable discounts)

Average annual cost of car insurance in New York

How much does car insurance cost in New York? These are the average prices a 35-year-old male driving a 2022 RAV4 would pay annually for state minimum coverage, standard coverage, and premium coverage in New York. Your rates will vary based on your unique driver profile.

Coverage Type	Minimum	Standard	Premium
Average Annual Cost	713	1,570	1,640

Carrier	Minimum	Standard	Premium
Allstate	1,463	2,183	2,180
Chubb	1,340	3,016	3,223
Erie Insurance	946	2,180	2,256
Geico	626	1,443	1,566
Kemper	2,460	4,350	4,666
Main Street America Insurance	503	1,016	1,086
NYCM Insurance	633	1,756	1,806
Progressive	730	1,193	1,253
State Farm	986	1,776	1,863
Travelers	2,100	3,113	3,376
Utica National Insurance Group	940	3,923	4,040

Annual rates based on a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

Helping New Yorkers find affordable insurance

You’re one-of-a-kind. Your insurance should be too. Our quiz is designed to help you find insurance that meets your unique needs at a price you can afford.

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Everything we do, we do with your best experience in mind. This means delivering the information you want and need to make confident insurance decisions. While we may partner with some of the carriers you see on our site, we maintain editorial independence and commit to a rigorous editorial policy.

New York car insurance requirements

New York requires five types of car insurance coverage: bodily injury liability, property damage liability, uninsured motorist coverage, underinsured motorist coverage, and personal injury protection. However, many drivers choose to purchase additional coverage types, such as comprehensive coverage, to help cover certain costs associated with different types of incidents.

Additionally, if you’re one of the many drivers who lease or finance their vehicle, check with your lender about any additional insurance they may require. Although not mandated by the state, some lenders may require full coverage auto insurance in New York.

It’s important for residents to know car insurance requirements in New York. The following are the coverage types and limit amounts New York requires; however, these minimums are just a starting point. You may want to consider increasing your coverage limits or purchasing additional coverage for further protection.

Minimum car insurance requirements - New York

Bodily Injury Liability

To cover injury or death related expenses in an accident when you’re at fault – $25,000 limit per person/$50,000 limit per accident (supplementary liability limits of $50,000 per person/$100,000 per accident required for injuries resulting in death)

Personal Injury Protection

To cover medical or funeral expenses if you and/or your passengers are hurt in an accident – $50,000 limit

Property Damage Liability

To cover property damage expenses in an accident when you’re at fault – $10,000 limit

Uninsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have any car insurance – $25,000 limit per person/$50,000 limit per accident

Underinsured Motorist Coverage

To cover medical expenses in an accident when the other driver is at fault but doesn’t have enough liability insurance – Grouped with uninsured motorist coverage

The top insurers in New York

How to get cheap New York car insurance

New York state is home to New York City, often referred to as “the City that Never Sleeps,” “Gotham,” or the most popular choice, “the Big Apple.” Although no one really knows where upstate New York starts, the northern part of the state offers its residents more than city living.

Whether you’re thinking about moving to New York or have called it home for a long time, you need car insurance. All drivers are required to carry certain types of auto insurance in New York. A great first step for finding affordable car insurance is to compare quotes from top insurance companies in New York. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

Why is New York auto insurance important?

First, New York car insurance is required by the state, and driving without it can result in being arrested or ticketed. Law enforcement may impound the vehicle, and DMV could revoke your registration and driver’s license. It is important to have the minimum required auto insurance in New York and keep it up to date without a lapse in coverage.

Another vital reason to have car insurance in New York is that, depending on your policy and coverage limits, your insurance helps cover certain costs should you get into a car accident. This can reduce the burden of paying for accident-related costs out of pocket, and it can help you have peace of mind while on the road.

Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in New York.

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What other factors impact your auto insurance rate?

The state you live in is only one of the factors that may impact your car insurance rate. Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.

Factors that can impact your quoted rates include:

Your demographics including your age, home ownership, marriage status, and more
Your driving history including how long you’ve been driving, traffic violations, and more
Your car including make, model, and year
Your zip code, or where you live within your state
How much coverage you want

The best insurance rates in New York

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Sources

New York DMV

Methodology

The rates on this page are estimated based on the rating plans insurance carriers have submitted to each state’s department of insurance. An insurance carrier’s rating plan details how the company uses certain characteristics to assign different rates to different people. We use the same data sources to power our comparison tools.

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2022 RAV4.

These rates should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results.

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you.

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.

Affordable car insurance in New York

Average rates at the top car insurance companies in New York

Based on a premium coverage policy for a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

New York auto insurance shopping made easy

Quick

Spam-free

Reliable

Average annual cost of car insurance in New York

Helping New Yorkers find affordable insurance

Why you can trust Rate Retriever

New York car insurance requirements

Minimum car insurance requirements - New York

Bodily Injury Liability

Personal Injury Protection

Property Damage Liability

Uninsured Motorist Coverage

Underinsured Motorist Coverage

The top insurers in New York

How to get cheap New York car insurance

Why is New York auto insurance important?

Quick start

Retrieve your rates

Compare and save

What other factors impact your auto insurance rate?

The best insurance rates in New York

Sources

Methodology

About Rate Retriever

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