Best Car Insurance in New York 2023

Do you live in the Big Apple? Are you in search of companies offering the best car insurance in New York? If yes, then look no further. This post gives you all the details about the best auto insurance companies in NY. Read on for insights. If you are searching for the most affordable car insurance rates, check also our best car insurance companies list.

What Are the State Minimum Requirements?

Before we begin our review for insurance companies, let us first take a look at what minimum auto insurance coverage in New York is required?

According to the New York Department of Motor Vehicles, NY state minimum car insurance requirements are as follows:

• $10,000 for vehicle/property damage for a single accident
• $25,000 bodily injury liability and $50,000 for death for an individual involved in an accident
• $50,000 bodily injury liability and $100,000 for death for two or more individuals in an accident

These New York auto insurance requirements must be fulfilled to operate a vehicle in the city legally.

Average Costs

State Average Costs for Full Auto Insurance 

Age Group	Average Annual Rate
16	$5,806
25	$1,935
45	$1,777
65	$1,743

 

Cost of Car Insurance by Top Cities

 

City	Premium
New York City	$436
Buffalo	$141
Rochester	$106
Yonkers	$166
Syracuse	$157
State Average	$201

Cheapest Providers

Here is a table with the cheapest car insurance companies in NY across different categories. Take a look to find the best car insurance in New York according to your situation: 

Category	Provider for car insurance in NY	Annual Cost
Good drivers	GEICO	$1,602
Minimum coverage	GEICO	$711
Poor credit	GEICO	$ 1,990
After a DUI	Allstate	$ 2,428
Married couples	Allstate	$2,527
Families with a teen	GEICO	$4,633
Young good drivers	GEICO	$1,706

 

New York State Auto Insurance Laws

As per the New York State auto insurance laws you can be charged for the following traffic violations:

• Speeding
• Overdue parking meter
• Failure to use a turn signal
• Parking in a handicapped zone 
• Reckless driving
• Improper stopping at a stop sign
• Improper yielding 
• Cutting-off another vehicle

Here is a quick overview of the points that will cost you on each type of traffic violation in New York, therefore increase your cat insurance rates:

Violation	Points
Speeding (mph over speed limit):
1 – 10 mph	3
11 – 20 mph	4
21 – 30 mph	6
31 – 40 mph	8
More than 40 mph	11
Speeding (mph over speed limit not indicated)	3
Reckless driving	5
Failing to stop for a school bus	5
Inadequate brakes	4
Following too closely	4
Not obeying a traffic signal, a stop sign, or a yield sign	3
Failing to yield the right-of-way	3

Companies for Best Car Insurance in New York

Here is a table with prices, ratings, and coverage options for companies that offer the best car insurance in New York.

 

Company	Provisions & Coverage	Ratings	Discounts	Car Insurance Costs for Different Use Case
GEICO	Liability coverage  Personal injury protection  Underinsured/uninsured motorist coverage  Collision coverage  Comprehensive coverage  Mechanical breakdown coverage Ridesharing insurance	AM Best — A++ J.D. Power —830 Standard & Poor’s— AA+	Military discount Federal employee discount Student discount Seat-belt use discount Multi-vehicle discount E-banking discount Anti-lock brake discount Good driver discount Educated driver discount	Drivers with DUI— $3,480 per year Drivers with an At-Fault Accident—  $2,265 per year Young Driver (25 years) — $1,706 $per year Good driver— $1,602 per year
USAA	Collision and comprehension insurance Bodily injury and property damage  Uninsured and underinsured motorist, PIP and medical payments  Roadside assistance, rental reimbursement, accident forgiveness  Rideshare coverage	J.D. Power —830 Standard & Poor’s— AA	Safe driver  Defensive driving course  Driver training course  Good student  New vehicle  Multi-vehicle  Annual mileage  Vehicle storage  Family discount  Length of membership  Military installation  Policy bundling	Drivers with an accident—$3,780 Good drivers—$3,166
State Farm	Rental car and travel expenses coverage  Roadside assistance coverage  Rideshare driver coverage	AM Best— A++ Standard & Poor’s— AA J.D. Power —851	Accident-Free Discount Defensive Driving Course Discount Accident Prevention Course Discount Anti-Lock Brake Discount Anti-Theft Device Discount Daytime Running Lights Discount Drive Safe & Save Discount Driver Training Discount Good Driving Discount Good Student Discount Multiple Automobiles Discount Steer Clear® Safe Driver Discount Student Away at School Discount	Drivers with poor credit— $5,194 per year Driver with a DUI—$2,163 per year
Travelers	Gap insurance  Ridesharing insurance   IntelliDrive  Premier new car replacement  Travelers’ Responsible Driver Program  The Premier Responsible Driver Program	AM Best —A++  J.D. Power —818 Standard & Poor’s— AA	Multi-policy Homeownership Hybrid/electric vehicle Good student Student away at school Driver training	Drivers with DUI— $2,782 per year Good drivers— $1,928 per year A good driver with poor credit— $4,023 per year Drivers with one at-fault crash— $2,300 per year
Progressive	Liability Collision and comprehensive Medical payments Personal injury protection Gap insurance Custom parts and equipment value Pet injury protection Deductible savings bank	AM Best —A+ J.D. Power —818 Standard & Poor’s—AA	Multi-policy discount Multi-car discount Snapshot good driver program Discount for adding a teen driver Good student discount	Drivers with DUI—$ $1,341  per year Drivers with one at-fault crash—$2,963 per year Good driver— $2,247per year
Metlife	Gap coverage insurance Legal fee coverage New car replacement Major parts replacement Deductible savings benefit Usage-based insurance	J.D. Power —3/5 AM Best — A+ Standard & Poor’s— AA-	Good driver discount Discount for taking an approved defensive driving course Multi-policy discount Good student discount	Drivers with one at-fault— $2,598 per year Drivers with DUI—$3,219 per year
Allstate	Liability coverage  Uninsured/ Underinsured Motorist Medical payment  Personal injury protection Collision and Comprehensive coverage	AM Best — A+ JD Power —826 Standard & Poor’s— AA	Multi-Policy Responsible Payer New Car Safe Driver Good Student	Drivers with DUI— $1,199 per year. Drivers with one at-fault crash— $2,357 per year Good driver— $1,752 per year. Driver after a ticket in New York— $2,135  per year

Detailed Reviews

Read on to learn about the best auto insurance in NY to make an informed NY auto insurance plan buying decision:

USAA

USAA is a bank as well as a car insurance company in NY. The company sells car insurance in NYC to customers on the phone and over the web instead of through agents. By opting for USAA auto insurance in NYC, you can access multiple coverage options such as:

• Vehicle Protection—collision and comprehensive coverage
• Financial Protection —in which the company pays for bodily injury and property damage
• Passenger Protection —uninsured and underinsured motorist, PIP and medical payments
• Extra Protection—roadside assistance, rental reimbursement, accident forgiveness rideshare coverage (add this to your policy if you are a Uber or Lyft driver)

The company also offers different types of discount options for students, good drivers, and families. Please note though that it’s only offered to the families, spouses, and children of active and retired military members. 

State Farm

State Farm is the biggest auto insurance company in the US. It is an experienced and well-reputed company offering various auto insurance coverage options and discounts to help car drivers across categories get the best policy. You can navigate through your options for a NY auto insurance plan that works for you. 

The company is known for providing generous rental car and travel expenses. Their competitive discounts give buyers amazing opportunities to save on insurance policies.

Another top reason for its massive popularity is its excellent customer service. State Farm has about 19,000 agents and offers multiple online support options. Its superior customer service can be gauged from its 851 J.D. Power score, which is truly exceptional.

Travelers

Travelers is a well-known name in the auto industry; That said, it is far behind State Farm and GEICO when it comes to customer satisfaction rate. Beyond the standard coverage options, this car insurance company in NY has additional coverage options too. 

MetLife

Metlife offers policies through a wide network of agents in NY and across the US. They provide several coverage options that will pay for the full cost of replacing your damaged property. MetLife provides you with a full range of options from new car replacement to major parts replacement, usage-based insurance, and deductible savings benefits. One feature that truly makes Metlife stand out is reimbursing legal fees if you are sued after an accident.

GEICO

By far, GEICO is the company offering the cheapest auto insurance in NY. It is the second-largest auto insurance company in the US and best known for its affordable pricing, even for drivers with poor credit and high-risk drivers. 

The company offers customers multiple options to connect and buy policies with sheer convenience. If you’re looking for affordable car insurance in NY GEICO should be your choice.  

Allstate

A broad array of discounts and coverage options makes Allstate a good option for car insurance policy buyers. As compared to other companies, Allstate is a cheap auto insurance provider in NY. They offer cheap car insurance policies in NY to married couples and drivers after a DUI and a ticket in New York. So, if you fall in any of these categories, then Allstate is your best bet.

Progressive

Progressive is the third largest NYC car insurance company in the US. From coverage options to discounts and superior customer service, Progressive offers all. In comparison to other companies, rates of Progressive in NYC are quite high.

In Conclusion

In a nutshell, when it comes to the company that offers the best car insurance in New York, the answer is variable depending on your budget, type of driver you are, and your driving history. For example, GEICO is the best choice for affordable rates, while for amazing discounts, State Farm should be preferred. 

Thus, we advise you to browse and evaluate all options carefully before you make your final decision. Reach out to different companies to get car insurance quotes in NY. It will help you shortlist the best car insurance options in New York.