Best Car Insurance in New York (2025)
CSAA, Liberty Mutual, and Progressive are some of the best car insurance companies in New York.
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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 $178 per month for liability coverage and $187 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
Our editorial team analyzed regional and national auto insurance companies that sell policies in New York to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
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 $183 per month, compared to the national average insurance rate of $143. New York drivers pay an average of $178 per month for liability insurance and $187 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.
Best car insurance in New York FAQs
If you’re still not sure what to look for in a policy, check out this additional information about finding the best car insurance in New York.
How much is car insurance in New York?
The overall average cost of car insurance in New York is $183 per month. By coverage level, drivers pay $178 per month for liability coverage and $187 for full coverage.
What are the best car insurance companies in New York?
CSAA, Liberty Mutual, Progressive, USAA, and Travelers are the best car insurance companies in New York. Each company excels at different things, so the company that’s best for your neighbor may be different than the best insurer for you.
These companies are the best on average in New York, but every driver is unique, so it’s important to compare car insurance quotes from numerous companies before buying a policy.
What is the required auto insurance coverage amount in New York?
The required auto insurance coverage amount in New York is $25,000 in bodily injury liability per person ($50,000 for death of one person), $50,000 in bodily injury liability per accident ($100,000 for death of two or more people), $10,000 in property damage liability per accident, $50,000 in personal injury protection per accident, and uninsured motorist coverage equal to your liability coverage amounts.3
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