Buy Cheap New York, NY Auto Insurance (2021)

New York, NY auto insurance rates average $624 a month. Minimum auto insurance requirements in New York, New York are 25/50/10 to comply with New York laws. To buy cheap auto insurance in New York, NY, compare New York auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in New York after a DUI is Liberty Mutual
  • Average auto insurance rates in New York, NY for teens drivers are $12,988/year
  • The most expensive auto insurance company in New York is Liberty Mutual

Finding affordable New York, New York auto insurance can be challenging, but everything you need to know to buy cheap New York, NY auto insurance with confidence is right here. Auto insurance rates in New York are affected by local factors as well as personal ones like your driving record.

See how New York, NY car insurance rates compare to Schenectady auto insurance rates, Mount Vernon auto insurance rates, and Yonkers auto insurance rates before you read more about the cost of auto insurance in New York.

Don’t buy New York, NY auto insurance until you’ve compared rates. Get free New York, New York auto insurance quotes when you enter your ZIP code above.

New York, NY Minimum Auto Insurance Requirements

The required auto insurance in New York, NY is 25/50/10 according to the auto insurance laws in New York. The minimum auto insurance in New York, New York is outlined here.

Minimum Required Auto 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

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Find Cheap New York, NY Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in New York, NY. Take a look at New York, New York auto insurance rates by credit history.

Annual Auto 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

Buy Cheap New York, NY Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect New York, New York auto insurance rates? Find out how car insurance rates in New York, NY are impacted by demographics.

Annual Auto 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

Buy Cheap New York, NY Auto Insurance for Teen Drivers

Auto insurance for teenagers in New York can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in New York, NY are listed here.

Annual Auto 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

Buy Cheap New York, NY Auto Insurance for Seniors

You can save on senior auto insurance rates in New York, New York by comparing New York senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in New York, NY here.

Annual Auto 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

Find Cheap Auto Insurance Rates in New York, NY by Coverage Level

The amount of coverage you choose is a big factor in the cost of New York, New York auto insurance. Compare New York, NY auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap New York, NY Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in New York. Compare auto insurance rates in New York, NY by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap New York, NY Auto Insurance Rates by ZIP Code

Auto insurance rates in New York, New York can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in New York, NY to see how much where you live in New York affects the cost of car insurance.

Annual Auto 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

Find Cheap New York, NY Auto Insurance Rates by Driving Record

Auto insurance rates in New York, New York are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in New York, NY, take a look at the average cost for various violations versus rates for a clean driving record in New York.

Annual New York, New York Auto 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

Find Cheap New York, NY Auto Insurance Rates After a DUI

The cost of DUI auto insurance in New York, New York is higher than for a clean driving record. You can buy auto insurance after a DUI in New York for less when you shop around and compare rates from multiple New York, NY auto insurance companies.

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

Insurance Company Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in New York, NY

Compare rates from the cheapest auto insurance companies in New York, NY for your needs. Take a look at how New York, New York auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap New York, New York Auto Insurance Companies

If you’re looking for the cheapest New York, NY auto insurance companies overall, you can compare them here. Find the best price for New York, New York car insurance by company.

Average Annual Auto 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

What affects New York, New York auto insurance rates?

Local factors affect auto insurance rates in New York, NY, including traffic, theft statistics, and commute length. Take a look at the things that impact New York auto insurance rates.

Commute Times in New York

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in New York, NY is 41.5 minutes according to City-Data.

Traffic in New York

How is traffic in New York, New York? Inrix data shows that New York, NY traffic makes it the 3rd-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in New York, NY

You can buy cheap New York, NY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free New York, New York auto insurance quotes from top companies.

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