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The Best Auto Insurance in New York 2024

State Farm, GEICO, and Progressive are our top picks in the Empire State.

Best for Safe Drivers in New York
State Farm Logo

Full Coverage Averages in New York
• Annual Premium: $1,934
• Monthly Premium: $161

Pros + Cons
Great customer service
Bundling discount
Many local agents
X No completely online quotes

Read our State Farm review.

Best for Drivers with Low Credit in New York
Geico Logo

Full Coverage Averages in New York
• Annual Premium: $1,795
• Monthly Premium: $150

Pros + Cons
Many discounts
Good rates for people with poor credit scores
Online quotes
X Homeowners insurance is underwritten by other companies

Read our State Farm review.

Cheapest in New York
Progressive Logo

Full Coverage Averages in New York
• Annual Premium: $1,144
• Monthly Premium: $95

Pros + Cons
Cheap for both safe and high-risk drivers (including DUIs)
Accident forgiveness
Rideshare coverage
X Mixed customer service reviews

Read our Progressive review.

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New York is one of the most diverse states in the U.S., both in terms of its people and its cities, towns, and neighborhoods. From the bustling streets of New York City to the rolling mountains of the Catskills, New York drivers may have very different experiences finding auto insurance. Someone from Saratoga may pay a lot less for auto insurance than someone who lives in Brooklyn, even with the exact same car and driving record.

As people who have lived in New York in the past, we’ve encountered firsthand how hard it is to find affordable car insurance even outside of the city. Car insurance rates in New York are higher than the national average, at $2,010 annually for full coverage and $1,020 annually for minimum coverage. That’s why we’ve rounded up the best car insurance companies for many different situations, no matter if you’re a city dweller or a country mouse.

Learn more about how a speeding ticket impacts your insurance in New York or how to get insurance in New York with a DUI. Additionally, New York requires PIP insurance, which is part of why rates are so high. Looking for more? Check out our picks for the best auto insurance companies overall.

Blue CarBest Auto Insurance Companies in New York

  1. State Farm – Best Auto Insurance for Safe Drivers in New York
    State Farm offers multiple discounts for good drivers, one of which can get you up to 30 percent off premiums. If you’re aware of the average cost of car insurance in New York, this should interest you.
  2. GEICO – Best Auto Insurance for Drivers with Low Credit in New York
    GEICO’s rates for drivers with low credit are less than half of the state average, making it a good choice for drivers with credit scores of 580-600 or less..
  3. Progressive – Cheapest Auto Insurance in New York
    Across the board—whether you’re a safe driver, or have an accident, ticket, or DUI on your record—Progressive’s auto insurance rates in New York are significantly cheaper than average.

Comparison of the Best Auto Insurance of 2024

Company State Farm GEICO Progressive USAA Farmers
Average annual rate in New York for full coverage (statewide average is $2,010) $1,934 $1,795 $1,144 $1,576 n/a
Average annual rate in New York for minimum coverage

(statewide average is $1,020)

$995 $781 $607 $669 n/a
New York J.D. Power Customer Satisfaction Index Ranking out of 1,000 (regional average is 819)1 826 821 818 879 n/a
Best for Safe drivers Drivers with low credit People looking for the cheapest option Military and veterans Insuring multiple vehicles

Summary of the Best Auto Insurance in New York 2024

  1. 1.

    Best for Safe Drivers in New York: State Farm

  2. 2.

    Best for Drivers with Low Credit in New York: GEICO

  3. 3.

    Cheapest Auto Insurance in New York: Progressive

  4. 4.

    Best for Military and Veterans in New York: USAA

  5. 5.

    Best for Multiple Vehicles in New York: Farmers

Detailed List of the Best Auto Insurance in New York 2024

1. Best for Safe Drivers in New York - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

With dozens of local agents throughout the state, State Farm is a great option for safe drivers and those looking for strong customer service. The company offers multiple ways for safe drivers to save, from a discount for going three years without an accident, to usage-based insurance that rewards you for safe driving behaviors.

ProsWho It's Best For
  • pro
    Safe drivers
  • pro
    People who want to bundle home and auto insurance
  • pro
    Customers who want to work with a local agent
  • pro
    Students with good grades
ConsWho It's Not Best For
  • con
    Someone who wants an online quotes process
  • con
    New customers looking for accident forgiveness

Safe Driving Discounts

State Farm’s prices lower both if you have a safe driving history, and if you drive safely while you’re insured with the company. It offers a whopping six discounts that have to do with safe driving:

  • Accident-free: You can get this discount once you’ve been insured with State Farm for three years in a row with an accident. The more years you go without an accident, the more you’ll save.
  • Defensive driver: If you’ve voluntarily taken a New York DMV-approved defensive driver course in the past three years, you could get up to 10 percent off.
  • Drive Safe & Save: Drive Safe & Save is State Farm’s usage-based insurance program. The app pairs with a Bluetooth beacon to collect your driving data and give you a discount for driving safely, up to 30 percent off.
  • Driver training: Young drivers earn this discount for completing an approved driver education course. All household drivers under age 21 must complete the course.
  • Good driving: For those with multiple drivers on their policy, this discount could apply if no drivers have moving violations or at-fault accidents in the past three years.
  • Steer Clear: Finally, Steer Clear is for drivers under the age of 25 with no moving violations or at-fault accidents in the past three years. They must also complete the Steer Clear program, an app-based safe driving training program.

State Farm also offers the following discounts in New York:2

  • Anti-Lock Brake Discount
  • Anti-Theft Device Discount
  • Daytime Running Lights Discount
  • Good Student Discount
  • Multiple Automobiles Discount
  • Multiple Line (Bundling) Discount
  • Passive Restraint Discount
  • Student Away at School Discount
  • Vehicle Safety Discount

Good Students

New York is home to hundreds of high schools, colleges, and universities, and if you’re a student under age 25, you could save money due to your good grades. Here are the qualifications:

  • Rank in the upper 20 percent of your class
  • GPA of B or higher, or, if out of 4.0, 3.0 or higher
  • Made the Honor Roll or Dean’s List

Whether you’re earning an Associate’s Degree at city college or a Bachelor’s at a SUNY campus, or even if you are homeschooled, you could qualify.

Great Customer Service

In J.D. Power’s 2023 Auto Insurance Satisfaction study, car insurance customers in New York gave State Farm the second-highest ranking overall, second only to New York Central Mutual. Out of 1,000 points, State Farm received 826, above the state’s average score of 819. Customers were also satisfied with the claims process, according to another national study from J.D. Power. State Farm had a score out of 891 out of 1,000, higher than the study’s average score of 878.

DID YOU KNOW?

State Farm is the number one private passenger auto insurer in the U.S., with over 18 percent of the market share.3

2. Best for Drivers with Low Credit in New York - GEICO

What We Like Most:

  • Save money with defensive driving courses
  • Cheapest rates after a speeding ticket
  • Save by installing safety equipment

In New York, drivers with low credit pay more than twice the average for full coverage as drivers with good credit. However, GEICO’s rates for drivers with low credit are significantly lower. If you have low credit and you’re looking for cheap car insurance in New York, GEICO is worth a look.

ProsWho It's Best For
  • pro
    Drivers with credit scores of 580-600 or lower
  • pro
    People who want online quotes
  • pro
    Current or retired federal employees
  • pro
    People on a budget
ConsWho It's Not Best For
  • con
    Someone who wants more local agents
  • con
    Drivers with at-fault accidents

Good for Low Credit

While Progressive’s rates are cheapest in New York for most driver profiles, GEICO comes out the least expensive for drivers with low credit. Its average rates are about half the average for low credit in New York.

Company Average annual rate for drivers with low credit in New York (full coverage) Average monthly rate for drivers with low credit in New York (full coverage)
GEICO $2,362 $197
USAA $2,951 $246
State Farm $3,915 $326
Progressive $9,013 $751
Statewide average $4,755 $396

Learn more about GEICO’s pricing.

Wide Range of Coverages

One way to find cheap car insurance in New York is to get the bare minimum, just liability coverage, uninsured/underinsured motorist, and personal injury protection. But having these requirements will leave you financially responsible for your property damage, not to mention the cost of a roadside breakdown, the cost of a rental car, and the cost of rideshare insurance, if you drive for Uber or Lyft. We recommend taking advantage of GEICO’s wide range of coverages, which includes roadside assistance, rental reimbursement, and rideshare coverage in addition to collision and comprehensive coverage.

Financially Stable

When it comes to car insurance, you want to work with a company that’s financially stable and can actually pay out your claims when the need arises. GEICO has strong financial strength ratings from third parties like AM Best, which gave it an A++, or Superior Grade,4 along with Moodys, which gave it an Aa1, or stable financial outlook.5 Although its commercials may be silly and absurdist, when it comes to fulfilling its promises, GEICO delivers.

3. Cheapest Auto Insurance in New York - Progressive

What We Like Most:

  • Cheaper rates for drivers with a DUI
  • Several ways to save if your premium increases
  • Accident forgiveness automatically applies to policy in most states

If you’re looking for the least expensive car insurance in New York, it’s worth getting a quote from Progressive. Whether you have a spotless driving history, speeding ticket, at-fault accident, or even a DUI, Progressive’s rates in New York are lower than average.

ProsWho It's Best For
  • pro
    Drivers with clean and high-risk records alike
  • pro
    Students with B averages or better
  • pro
    Those who want to bundle multiple Progressive policies
  • pro
    Teen drivers
ConsWho It's Not Best For
  • con
    People who lease their cars
  • con
    Drivers with low credit

Name-Your-Price Tool

Car insurance in New York isn’t cheap, and if you have a speeding ticket, New York car insurance is even more expensive. Those with poor driving records in particular will appreciate Progressive’s Name-Your-Price tool. In a nutshell, when we got our online quotes from Progressive, we had the option to, well, name our price, meaning tell Progressive how much we wanted to pay per month, and see what it could offer us. While some amounts are too low to qualify for coverage at all, like $25 a month, we found that we could get affordable minimum coverage through Progressive by using this easy online tool.

Check out Progressive’s average annual rates for drivers of various profiles and desired coverage levels In New York:

Company/Driver Profile Full coverage, clean record Minimum coverage, clean record Full coverage, speeding ticket Full coverage, at-fault accident
Progressive $1,144 $607 $1,216 $1,564
USAA $1,576 $669 $1,733 $1,766
GEICO $1,795 $781 $2,246 $2,727
State Farm $1,934 $995 $2,091 $2,217
Statewide average $2,010 $1,020 $2,229 $2,313

Student Discounts

New York state has a total of 731 school districts, 2.4 million public school students, and 1.11 million postsecondary students, meaning college or higher.6 Whether it’s an average discount of 10 percent for full-time students with B averages or higher, or a discount for full-time students ages 22 or younger that live more than 100 miles away from home, Progressive offers multiple ways to save for families with students. That’s a relief, as the cost of car insurance for teens is much higher than for any other group due to their higher likelihood of at-fault accidents and thus, costly claims.

FACT:

In 2022, 111 drivers between the ages of 16 and 20 and 153 drivers between the ages of 21 and 24 caused fatal crashes in New York, accounting for a total of 17 percent of all drivers involved in fatal crashes.7

Bundling Home and Auto

It’s no secret that living in New York is expensive, which may explain why, as of the first quarter of 2024, only 54 percent of residents own homes, the second-lowest rate in the U.S. after Washington, D.C.8 But that’s not an issue with Progressive, which lets you save by bundling your auto insurance with homeowners, renters, condo, or even mobile home insurance.

4. Best for Military and Veterans in New York - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

Part of New York’s 25,205 active-duty service members, 39,512 National Guard and reserve members, and their spouses and children? See how much you can save with USAA, a company that caters to military members, veterans, and their families exclusively.9 After Progressive, USAA has some of the cheapest average rates in New York. And like State Farm and Progressive, USAA has a good discount for bundling home and auto—expect savings of up to 10 percent.10

ProsWho It's Best For
  • pro
    Military members, veterans, and their families
  • pro
    Someone who values customer service
  • pro
    Good drivers
  • pro
    Anyone that wants 24/7 roadside assistance
ConsWho It's Not Best For
  • con
    Non-military members and veterans, or their families

Military-Specific Coverages

Active-duty military members have different needs when it comes to car insurance, but that’s the benefit of going with USAA. It’ll give you a 15 percent discount on comprehensive insurance when you have to put your car in a garage on a military base, or another discount for driving fewer miles per year. For example, if you’re deployed, you can save up to 60 percent on car insurance, which wouldn’t be the case with any other company.

24/7 Roadside Assistance

Especially if you’re deployed and can’t always be there to help your family, you’ll appreciate the option to add 24/7 roadside assistance to your USAA policy. It covers services such as:

  • Battery jumpstarts
  • Flat tire (does not include cost of spare)
  • Fuel delivery (does not include the cost of fuel)
  • Lockout services
  • Towing
  • Winching out of mud or snow

You’ll pay nothing for a stuck vehicle, jumpstart, lockout services, or a flat tire, and a contracted rate for fuel delivery. It’s easy to contact roadside assistance from the USAA app, and they typically show up in less than an hour. Whether you’re stuck on a rural road upstate or on a busy street in the middle of Manhattan, you’ll appreciate having this service when you need it.

Discounts for Military Children

In the state of New York, there are 15,061 active-duty children and 21,560 National Guard and reserve children, according to 2022 data from the Defense Manpower Data Center. Of course, not all these children are of driving age, but if you fall into this category and need car insurance, you can save money if your parents have USAA. Children of USAA members get up to 10 percent off their own policies. To be eligible, you must be under the age of 25, with no major violations within the past three years.

5. Best for Multiple Vehicles in New York - Farmers

What We Like Most:

  • Keeps rates low after one accident
  • Rental coverage available if your car is out of commission
  • More coverage options for damaged parts

As of 2022, there were over 9 million privately and commercially-registered vehicles in New York, according to data from the Federal Highway Administration. At the same time, there were over 12 million licensed drivers in the state, which averages out to about 1.33 cars per person.11 If you are one of the people in the state who owns more than one car, you can save with Farmers by insuring them both at the same time.

ProsWho It's Best For
  • pro
    People who own multiple cars
  • pro
    Those who want to bundle home and auto
  • pro
    People with young drivers in their families
  • pro
    Someone who wants to work with a local agent
ConsWho It's Not Best For
  • con
    Senior drivers

Multiple Discounts

Car ownership is expensive, but if you own multiple vehicles, you can save on your insurance by insuring them both with Farmers. In addition, Farmers offers a discount for bundling auto insurance with life, small business, specialty, or umbrella, as well as a discount for young drivers in your household under the age of 25. The youthful driver discount only applies if your policy has been in force for at least a year, and the young driver is the primary named insurer’s (PNI) child or grandchild.

Specialty Vehicle Insurance

You may want insurance for a regular car or truck, or you may want it for your:

  • ATV
  • Boat or watercraft
  • Classic car
  • Fifth-wheel
  • Motorcycle
  • Motor home
  • Off-road vehicle
  • RV
  • Travel trailer

Fortunately, Farmers is flexible when it comes to the types of vehicles it will cover, whether you need to insure your RV for a cross-state road trip or the classic car you want to show off on Fifth Avenue.

Personal Umbrella Insurance

You carry an umbrella on a rainy day, so why not add personal umbrella coverage to your auto insurance? If any of your limits aren’t high enough to cover your losses, umbrella insurance will add more coverage to your liability insurance. For example, if you hit someone else’s car and your property damage liability only covers half the damages, your personal umbrella insurance can kick in to cover the rest.

Methodology

To determine the best auto insurance companies in New York, we evaluated major insurers across four key categories—pricing, claims handling, customer experience, and coverage options. Here’s a breakdown of how each category was assessed:

  • Pricing: We analyzed average annual premiums for full and minimum coverage for a good driver profile; average rates for high-risk driver profiles, including those with an accident, speeding ticket, or poor credit; available discounts and whether major opportunities like bundling, good student, and telematics discounts are offered.
  • Claims Handling: A company’s ability to handle claims efficiently and fairly is paramount. We considered third-party evaluations from sources like J.D. Power’s Claims Satisfaction Report; financial strength ratings from AM Best and Moody’s, which indicate an insurer’s ability to pay claims; real-life customer experiences with the claims process, when available.
  • Customer Experience: The overall experience of obtaining a quote, purchasing a policy, and interacting with the insurer was evaluated based on: ease of online quote and purchase process and regional customer satisfaction scores (J.D. Power U.S. Auto Insurance Study and Digital Experience Study); complaint data from the National Association of Insurance Commissioners (NAIC) and Better Business Bureau (BBB) ratings; and first-hand customer experiences, when available.
  • Coverage Options: We value insurers that provide additional protection beyond legally-required coverage, through optional endorsements like: gap insurance, rideshare coverage, accident forgiveness, and other offerings.

By evaluating these key areas and weighing them according to their importance, we aimed to provide a comprehensive and data-driven analysis of the best auto insurance options for drivers in New York.

FAQs

What is the best car insurance in New York?

The best car insurance in New York is:

  • Best for safe drivers: State Farm
  • Best for bundling home and auto insurance: GEICO
  • Best for students: Progressive
  • Best for military and veterans: USAA
  • Best for multiple vehicles: Farmers

Get a quote from each company to see how much it’ll cost you, as insurance isn’t one-size-fits-all.

How much is car insurance in New York monthly?

On average, car insurance in New York is $168 a month for full coverage and $85 a month for minimum coverage.

How can I lower my car insurance in New York?

To lower your car insurance in New York:

  1. Get the minimum coverage required, which includes bodily injury and property damage liability, uninsured/underinsured motorist coverage, and personal injury protection.
  2. Ask your insurance agent which discounts you can take advantage of.
  3. Raise your collision and comprehensive deductibles.
  4. Lower your limits or drop unnecessary coverages.
  5. Apply for the New York Automobile Insurance Plan, which is only available to those who have tried and failed to find insurance under certain rates within the past two months.

Why is car insurance so expensive in New York?

One of the reasons why car insurance is so expensive in New York is because it is a no-fault insurance state, meaning in an accident, each driver is responsible for their own injuries under personal injury protection. Insurance tends to cost more in no-fault states compared to at-fault states, in which the at-fault driver is responsible for injuries. In addition, car insurance will always be more expensive in high-density, urban areas like New York City compared to the rest of the state.

Citations

  1. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).
    https://www.jdpower.com/business/press-releases/2023-us-auto-insurance-study

  2. Competitive New York auto insurance discounts. State Farm. (2024).
    https://www.statefarm.com/insurance/auto/discounts/new-york

  3. PROPERTY AND CASUALTY INSURANCE INDUSTRY 2023 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM. National Association of Insurance Commissioners. (2024).
    https://content.naic.org/sites/default/files/research-actuarial-property-casualty-market-share.pdf

  4. AM Best Affirms Credit Ratings of Members of GEICO and GEICO Corporation. AM Best. (2023, Nov 29).
    https://news.ambest.com/pr/PressContent.aspx?refnum=34133&altsrc=2

  5. GEICO Corporation. Moody’s. (2024).
    https://www.moodys.com/credit-ratings/GEICO-Corporation-credit-rating-22330/reports?category=Ratings_and_Assessments_Reports_rc%7CIssuer_Reports_rc&type=Rating_Action_rc%7CAnnouncement_rc%7CAnnouncement_of_Periodic_Review_rc,Credit_Opinion_ir_rc

  6. NY STATE DATA. Data.nysed.gov. (2023).
    https://data.nysed.gov/

  7. Fatality and Injury Reporting System Tool (FIRST). National Highway Traffic Safety Administration. (2022).
    https://cdan.dot.gov/query

  8. Housing Vacancies and Homeownership (CPS/HVS). United States Census. (2024).
    https://www.census.gov/housing/hvs/data/rates.html

  9. New York. Military State Police Source. (2024).
    https://statepolicy.militaryonesource.mil/state/NY

  10. New York Car Insurance. USAA. (2024).
    https://www.usaa.com/inet/wc/new-york-car-insurance?akredirect=true

  11. Highway Statistics 2022. U.S. Department of Transportation. (2022).
    https://www.fhwa.dot.gov/policyinformation/statistics/2022/