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Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not […]

Note from the editor: Perhaps you are looking for car insurance for your first time, or you want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.

Two very different experiences can be having to drive through New York City and taking a roadtrip through the Adirondack Mountain range in upstate New York. Regardless of the difficulties, you are aware that you need car insurance in order to stay legal and protect yourself. But do you know the best options for coverage in New York?

To find the average price of New York car insurance, we compared basic coverage rates from different insurers.

To find the average car insurance cost at minimum coverage, we used a neutral driver profile. We used a New York driver who had a clean driving record and no accidents, tickets or claims to calculate the average cost of car insurance at minimum coverage. This means that the cost of your car insurance could differ depending on many factors such as your driving record, age, and what coverage you choose.

We also found the best basic coverage providers that offer basic coverage to young drivers, drivers with bad credit histories and drivers who have made claims.

Continue reading to find out about New York’s average auto insurance rate and our findings regarding the best deals.


New York car insurance rates

The average monthly premium for New York car insurance is just over $150. It can go up to $400 depending on the type of coverage you choose and your driver profile.


Monthly average auto insurance premiums in New York


Driver and coverage

Avg. Monthly cost
New York: Full coverage auto insurance $363.02
New York State-Minimum Car Insurance $155.09
New York drivers with poor credit $413.05
New York Drivers with Multiple Claims $196.75
Young drivers in New York $215.52

Based upon our standard driver profile, minimum coverage, unless noted


The cheapest car insurance in New York

These are the five lowest-cost New York car insurance companies based on minimum coverage. These rates are based on a New York driver profile. Please refer to our full methodology for additional information. Rates may differ depending on your situation. Except where noted, the New York driver has a credit score of 680-719, with no tickets or coverage gaps, and a car worth between $20,000 and $30,000


1. National Grange Mutual

Main Street America Insurance’s flagship insurance carrier is National Grange Mutual (or NGM). Minimum coverage may be available for New York drivers at $62.67 per monthly. NGM provides new vehicle replacement coverage, decreasing deductible rewards and accident forgiveness. It also offers loan/lease protection and roadside assistance.


2. Sterling Insurance

Sterling Insurance may offer basic car insurance starting at $71.42 per monthly for a New York driver profile. Sterling Insurance offers all the essential coverages, plus a few additional benefits. Sterling offers discounts when you bundle multiple policies or vehicles. It also provides safety features and helps drivers to be safe.


3. Utica National Insurance Group

Utica National Insurance Group may offer minimal coverage to New York drivers for as low as $85.83 per monthly. Utica offers insurance through local agents. They offer discounts for mileage and anti theft devices.


4. USAA

USAA members can get car insurance through USAA: Active-duty military personnel, retired and separated vets and their families. A New York resident who is eligible for USAA membership may be able to get basic car insurance starting at $89.31 per month. USAA provides standard auto insurance options such as liability, comprehensive and collision, uninsured driver, personal injury protection, rental reimbursement, and medical payments.

USAA reviews


5. Geico

Our New York driver profile could also see Geico car insurance rates starting at $90.72 per monthly for minimum auto coverage. Geico offers a wide range of coverage options, as well as a large pool of discounts. Geico also offers a mobile app that allows you to access your ID cards, get customized alerts, pay your bill and request roadside assistance.

Geico reviews

The cheapest full-coverage car insurance available in New York

It is important to choose the right coverage when shopping for car insurance. Although full coverage insurance is not technically a type, it can be used to describe coverages that include bodily injury, property loss, personal injury protection, collision, and comprehensive coverages.

These are the five most affordable options for New York drivers looking for full-coverage car insurance.

5 Full-coverage Car Insurance Companies in New York


1

National Grange Mutual
$116.00/month

2

New York Central Mutual Fire
$177.50/month

3

Geico
$193.67/month

4

Progressive
$237.11/month

5

USAA
$248.52/month

Based upon our standard driver profile, seeking full coverage in New York rather than minimum coverage


The cheapest state-minimum auto insurance in New York

Full coverage is not the same as state-minimum insurance. If you are looking to save money on your car insurance, state-minimum coverage may be an option. It is the minimum coverage that your state requires.

These are the five most affordable insurers for New York drivers looking for minimum coverage.

5 best car insurance companies in New York to provide state-minimum coverage


1

National Grange Mutual
$62.67/month

2

Sterling Insurance
$71.42/month

3

Utica National Insurance Group
$85.83/month

4

USAA
$89.31/month

5

Geico
$90.72/month

Based upon our standard driver profile, seeking minimum coverage in New York


Best car insurance for people with good credit in New York

Insurers also consider your credit-based auto insurance score. This is similar to a credit score and helps them determine how risky you might be to insure. Those with higher credit scores often pay lower monthly premiums.

If our New York driver profile is clean, these are the five most affordable car insurance companies for basic auto coverage.

5 Best Car Insurance Companies in New York For those with good credit


1

National Grange Mutual
$49.42/month

2

Sterling Insurance
$56.78/month

3

USAA
$81.88/month

4

New York Central Mutual Fire
$84.86/month

5

Geico
$85.21/month
Based upon our standard driver profile, adjusted for New York drivers with a credit score greater than 720.


Cheapest car Insurance for Poor Credit in New York

Do you have less-than-perfect credit? Although you may pay more for auto insurance, there are still ways to get cheap auto insurance.

These companies offer the lowest rates for minimum coverage for drivers with poor credit.

5 Best Car Insurance Companies in New York For People with Poor Credit


1

Utica National Insurance Group
$85.83/month

2

Sterling Insurance
$97.33/month

3

Geico
$108.18/month

4

USAA
$147.47/month

5

Chubb
$172.71/month
Based upon our standard driver profile, adjusted for New York drivers with a credit score of below 580.


Cheapest car Insurance for Drivers with Multiple Claims in New York

Insurance prices can be affected by your claims history. Your premium could be higher if you have more claims on your record.

For drivers with multiple claims, the following insurers offer basic coverage at the lowest rates.

5 Best Car Insurance Companies in New York Multiple Claims


1

National Grange Mutual
$81.67/month

2

USAA
$98.21/month

3

Utica National Ins Group
$115.33/month

4

New York Central Mutual Fire
$119.33/month

5

Sterling Insurance
$128.92/month
Based upon our standard driver profile, adjusted for New York drivers with two claims.


Cheapest New York car insurance for young drivers

A history of accidents or claims can raise your rates. The same goes for a lack of driving experience. Younger drivers will pay more for car insurance until their driving record is established.

These are the lowest-priced insurance rates available for New York drivers aged 18-21.

The New York cheapest car insurance for young drivers


1

National Grange Mutual
$89.83/month

2

Sterling Insurance
$109.75/month

3

New York Central Mutual Fire
$118.67/month

4

Utica National Insurance Group
$129.83/month

5

Geico
$134.03/month
Based upon our standard driver profile. Adjusted to show rates for New York drivers aged 18-21 instead of 36-45.

New York auto insurance requirements

In most states, drivers must have minimum auto insurance. New York drivers must have $10,000 coverage for property damage in a single accident. They also need $25,000 for bodily injuries, $50,000 for death, $50,000 for bodily injuries, $100,000 for death, and $50,000 for bodily harm. If you own a car, lease it or take out a loan on it, you might be subject to additional coverage.

Is there usage-based insurance in New York ?

New York permits drivers to use telematics. This is also known as usage-based insurance. Vehicle insurance that is usage-based allows customers to pay premiums according to their driving habits.

FAQs regarding the lowest car insurance rates in New York



What is the cost of car insurance in New York each month?

The monthly premiums for New York car insurance range from just under $60 per month for basic state-minimum auto coverage to more than $400 per month depending on your driver profile and the coverage options. Rates can vary.



Who has the lowest car insurance?

National Grange Mutual was the best-priced car insurance in New York for many types of drivers, including young drivers, drivers with good credit and those looking for comprehensive coverage.



What’s the minimum car insurance New York requires?

New York law requires drivers to have liability coverage that covers $10,000 property damage in a single accident, $25,000 bodily injury, $50,000 death for an individual involved in an incident, $50,000 bodily injury, $100,000 death for two or more persons in an accident.


Methodology

Based on a profile of a New York driver between 36 and 45, the estimated rates for this article are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and has an estimated value between $20,000 and $30,000

Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and should not be used as a comparison. Rates can vary depending on many factors such as your age, driving habits, and past.

The average monthly premium for full-coverage car insurance covers bodily injury, property damages, personal injury protection, collision, and comprehensive coverages. The average monthly premium for minimum-state car insurance includes a New York-mandated 25/50/10 policy.

Scores of 720 or higher are eligible for the estimated rates for insurance with good credit. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those between 18 and 21 years old. Multiple claims can lead to multiple rates.