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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
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Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
Updated
Erie, USAA, and Travelers offer New York drivers some of the cheapest car insurance rates.
Liability-only policies cost an average of $125 per month in New York, while full coverage costs about $155 per month.
The average cost of car insurance in New York is $140 per month, according to Compare.com data.
New York is a no-fault state and requires drivers to have $50,000 in personal injury protection (PIP).[1]
New York drivers can find the cheapest car insurance with Erie, USAA, and Travelers, according to our data.
New York’s overall average of $140 per month is comparable to the $101 per-month national average. While its liability coverage average of $125 per month is higher than the national average, its full coverage average is less, at $155 per month.
Below, we’ve shared the average liability and full-coverage rates from 11 of the best insurance companies in New York.
Company | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Erie | $100 | $131 |
| USAA | $104 | $136 |
| Travelers | $122 | $159 |
| State Farm | $143 | $186 |
| GEICO | $162 | $212 |
| Progressive | $268 | $392 |
| Chubb | $278 | $362 |
| Bristol West | $394 | $535 |
| 21st Century | $438 | $571 |
Compare quotes and get the coverage you need at the best price.
Where you live inside a state has a big effect on your car insurance costs, with huge ranges, especially between upstate and New York City communities. Binghamton has some of the lowest car insurance rates, at $99 per month, while the Bronx is among the most expensive, at $305 per month.
Factors likely contributing to rate differences for these include population density and vehicle theft. The Bronx is six times denser than Binghamton, according to the U.S. Census Bureau. At the county level, Bronx County recorded New York’s second-highest motor vehicle theft total in 2024, while Broome County (Binghamton) ranked No. 16.[2]
Here’s a full overview of average costs by city in New York, with data from Compare.com.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Ithaca | $56 | $102 |
| Binghamton | $77 | $122 |
| Troy | $85 | $109 |
| Rochester | $89 | $126 |
| Schenectady | $93 | $118 |
| Utica | $96 | $154 |
| Syracuse | $97 | $139 |
| Albany | $104 | $146 |
| Poughkeepsie | $109 | $126 |
| White Plains | $115 | $157 |
| Niagara Falls | $120 | $131 |
| Middletown | $122 | $137 |
| Astoria | $140 | $209 |
| Buffalo | $148 | $176 |
| Newburgh | $149 | $197 |
| New York | $162 | $203 |
| Staten Island | $162 | $235 |
| Long Island City | $164 | $259 |
| Long Beach | $167 | $231 |
| Yonkers | $187 | $245 |
| Valley Stream | $212 | $227 |
| Mount Vernon | $214 | $328 |
| Brooklyn | $220 | $250 |
| Jamaica | $269 | $280 |
| Bronx | $273 | $336 |
Below are some key statistics about New York drivers that can shape the state’s insurance market.
Annual mileage: New York drivers average 8,394 miles annually, the third-lowest among the states and Washington, D.C. Low-mileage drivers may qualify for a discount.
Fewer tickets and DWIs: About 5% of New York drivers report an accident, slightly above the national average. But roughly 3% report a ticket and roughly 0.7% report a driving while intoxicated (DWI) conviction, both below average.
More leased vehicles: About 4% of New York drivers lease their vehicles, among the highest rates in the country.
Fewer multi-car households: Nearly 10% of New York drivers report having more than one car, one of the lowest rates in the country.
Rising insurance fraud has become a growing issue in New York. Suspected motor vehicle insurance fraud reports increased by about 81% from 2020 to 2025, from 24,238 to 43,811.[3]
Car insurance rates can vary significantly among New York drivers based on the insurance company, your driving history, and where you live. For example, our data shows that drivers in cities like Rochester generally pay less for car insurance than drivers in New York City.
With so many factors at play, it can be hard to predict your costs using averages. That’s why it’s so important to compare rates regularly so you’ll know what to expect to pay.
The table below compares average rates across insurers in New York.
 |  |  |  |  |
|---|---|---|---|---|
Average Premium $187/mo* | Average Premium $120/mo* | Average Premium $330/mo* | Average Premium $465/mo* | Average Premium $505/mo* |
Overall Rating | Overall Rating | Overall Rating | Overall Rating | Overall Rating |
Value | Value | Value | Value | Value |
Customer Service | Customer Service | Customer Service | Customer Service | Customer Service |
Claims Handling | Claims Handling | Claims Handling | Claims Handling | Claims Handling |
Special Highlight N/AAI-generated from 902 user reviews | Special Highlight N/AAI-generated from 220 user reviews | Special Highlight N/AAI-generated from 1132 user reviews | Special Highlight N/AAI-generated from 26 user reviews | Special Highlight N/AAI-generated from 7 user reviews |
Our picks for the best auto insurance companies offering policies in the Empire State combine low rates, strong customer reviews, and high Compare.com scores. We listed the top three below, but keep in mind that several great companies that didn’t make this list could still be right for you.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $100/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 4.2 | 2.9 |
Erie Insurance offers local agents across the state and one of the lowest average rates for full-coverage policies.
In addition to the usual coverage options, you’ll also get access to Erie Auto Plus. It includes additional perks, including a death benefit, increased limits, and diminishing deductibles, though New York law prevents deductibles from dropping all the way to $0.
No. 1 in J.D. Power claims study
Erie Auto Plus full-coverage perks
Poor reviews for Android mobile app
Can’t buy a policy online
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $104/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $136/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.8 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
For military members, veterans, and their families, USAA offers high customer service satisfaction and several membership perks. Customers can use the well-reviewed mobile apps to manage policies, access ID cards, request roadside assistance, and more.
In addition to cheap rates, you’ll also find strong discounts, including up to 30% at renewal for demonstrating safe driving habits with the SafePilot program.
High customer satisfaction in New York region
10% bundling discount
Limited to eligible military community
No physical offices in New York
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $143/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $186/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm stands out for its wide range of discounts available to New York drivers, including savings for bundling policies, insuring multiple vehicles, and vehicle safety features. The company’s Drive Safe & Save program provides an enrollment discount and can reduce premiums by up to 30% in New York, based on driving behavior.
Drive Safe & Save discount of up to 30%
Many available discounts in New York
Accident forgiveness not available
No senior discounts in NY
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various New York drivers. We researched, analyzed, and weighed several categories important to New York insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps New York drivers find the best auto insurance policy for their unique needs.
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Like most states, New York requires all drivers to have at least some car insurance coverage. The state’s minimum car insurance requirements include:
$25,000 for bodily injury liability and $50,000 for death per person
$50,000 for bodily injury liability and $100,000 for death per accident
$10,000 for property damage liability per accident
$50,000 for personal injury protection (PIP)
$25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage
Expert’s insight
“Meeting New York’s minimum-coverage requirements and having enough financial protection are two different things. If you have assets to protect, it’s worth considering higher liability limits. Minimum coverage may make more sense if affordability is your biggest concern, but make sure you understand how much you could be responsible for if a claim exceeds your policy limits. Insurers must also offer supplementary uninsured/underinsured motorist protection of $250,000 per person and $500,000 per accident if you have bodily injury liability limits of at least that amount. Driving without insurance can result in a fine of up to $1,500. You’ll also pay a $750 civil penalty to restore your driver’s license if the state revokes it.4 Lenders and lessors may also require comprehensive coverage and collision coverage as part of your loan or lease agreement.”
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Here are some of the most significant factors currently affecting rates in New York.
Staged crashes and associated insurance fraud can add as much as $300 per year to auto insurance premiums, according to the New York Department of Financial Services.
New York’s winter weather can increase the risk of insurance claims. Snow and ice can reduce visibility and create unsafe driving conditions that increase crash risk.[4]
New York has one of the highest average auto repair costs in the country — $864 higher than the national average — which can elevate car insurance rates across the state.[5]
Injury claims in New York cost more than twice the national average.
New York drivers also get into more accidents than average, with the eighth-highest accident frequency in the country.
Here are some tried-and-true ways you can lower your car insurance costs in New York.
Improve credit history. Raising your credit score can lower your rates. For example, drivers with good credit pay about 43% less with State Farm than drivers with poor credit.
Keep a clean record. High-risk drivers pay more. A ticket raises the New York full-coverage average to $199 per month, while an accident increases it to $236, about 20% and 45% above the statewide average.
Complete an approved defensive-driving course. New York requires insurers to offer a discount for three years after you complete an approved accident-prevention course. The discount is generally 10%.[6]
Ask about low mileage. New York drivers already drive less than average, so if you drive even less, ask your insurer about low-mileage discounts or programs.
Compare quotes from several insurers. Prices can change quickly and vary considerably, so always compare rates before buying a policy and at every renewal.
Get quotes from top insurers in the Big Apple and save money in minutes.
Here are some helpful links and resources for drivers in New York.
New York State Department of Financial Services (DFS): Find information about New York auto insurance requirements, consumer rights, discounts, and how to file an insurance complaint.
New York State Department of Motor Vehicles (DMV): Find information about insurance requirements, coverage lapses, and penalties for driving without insurance in New York.
Office of the New York Attorney General: Access consumer protection resources and learn how to report scams, fraud, or other consumer issues.
New York State Legislature: Review current New York laws and proposed legislation that could affect drivers and auto insurance.
Below, we’ve answered the most common questions drivers ask about getting the cheapest car insurance in New York.
Erie typically offers the cheapest car insurance rates, on average, in New York, according to Compare.com data. That said, the cheapest insurer in general may not be the cheapest for you, so always compare rates before buying.
GEICO offers cheaper car insurance in New York than Progressive, according to Compare.com data. New York drivers can get liability insurance at an average of $162 per month with GEICO, while Progressive charges about $268. That said, your actual rates will depend on your unique driver profile and coverage choices.
Yes. New York is a no-fault state, which means your own insurance generally covers your medical expenses and certain other losses after a crash, regardless of who caused it. Drivers must also purchase at least $50,000 in personal injury protection (PIP).
Full-coverage car insurance costs an average of $155 per month in New York, according to our data. Your monthly premium will depend on factors like the insurance company you choose, your driving history, age, and ZIP code.
Yes. A speeding ticket can cause your car insurance rates to increase in New York. Most New York insurers can charge you a higher premium after a speeding conviction. New York drivers pay about $171 per month after a speeding ticket — roughly 20% more than the statewide average.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
