Best Car Insurance in New York (2025)

Finding the right car insurance can be tricky, as every driver has different priorities when it comes to what they want in a policy. On average, New York drivers pay $182 per month for liability coverage and $191 for full-coverage insurance. But you can potentially find lower rates by comparing quotes and coverage options from multiple insurers.

Insurify analyzed 50 car insurance companies based on various factors to determine the best and cheapest car insurance in New York. Here’s what you should know about your New York car insurance options.

Best car insurance companies in New York

New Yorkers have plenty of good car insurance companies to choose from, but some stand out from the rest. Below, you can learn about the five best auto insurance companies available in New York. The companies below all have solid financial strength and customer satisfaction rankings, affordable average premiums, and good coverage offerings and discounts.

CSAA: Best for affordability

Travelers: Best for customer service

Progressive: Best for discounts

USAA: Best for military families

Liberty Mutual: Best for flexibility

How to get the best car insurance in New York

Driving safely and comparing quotes are just two helpful ways you can secure quality coverage. You can utilize the following tips to find the best car insurance for your needs at an affordable price.

Average cost of car insurance in New York

The average cost of car insurance in New York is $187 per month, compared to the national average insurance rate of $144. New York drivers pay an average of $182 per month for liability insurance and $191 for full coverage.

The average annual cost of full-coverage car insurance in New York actually decreased from December 2023 to June 2024 by about 1%. But New York is already one of the most expensive states for car insurance, so this minor decrease has little effect on the affordability of policies in the Empire State.