Cheapest Full-Coverage Car Insurance in New York (2025)
New York drivers can find the cheapest full-coverage car insurance from Erie, with rates starting at $141 per month.
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Living in New York state can mean navigating everything from the Adirondacks to the Cross Bronx Expressway — and your car insurance needs to keep up.
If you’re financing or leasing your car, your lender will almost certainly require you to have full coverage. “Full coverage” is an informal term that refers to a policy that includes liability insurance coverage plus comprehensive and collision coverages to protect your vehicle.
Here, we cover the different types of car insurance and examine what a full-coverage policy includes to help you compare car insurance in New York.
Cheapest full-coverage car insurance in New York
Full coverage in New York costs an average of $187 per month. More expensive than state-minimum coverage, it’s not exactly pocket change when you’re already shelling out for Thruway tolls and parking permits.
To simplify your search for the cheapest New York car insurance, we’ve rounded up the most affordable full-coverage options across the state for young drivers and experienced motorists.
What is full-coverage car insurance in New York?
Full coverage isn’t an insurance package you can click and buy. It’s an informal name for a bundle of coverages that protect you and your vehicle. The following components make up that “full-coverage” bundle:
Car insurance requirements in New York
Before hitting the road in New York, check with your insurance company to ensure your insurance policy has at least state-minimum coverage:1
$50,000 in personal injury protection (PIP): PIP is “no fault” coverage that pays your medical expenses and those of your passengers and any pedestrians you might have injured.
$25,000 per person ($50,000 per accident) in bodily injury liability: Covers the other driver’s injuries and those of their passengers.
$10,000 in property damage liability: Pays for property you damage in a collision, like another person’s car or a fence.
$25,000 per person ($50,000 per accident) in uninsured motorist coverage: Provides medical coverage for you and your passengers if you’re involved in a hit-and-run accident or hit by a driver without insurance.
While these minimum coverage requirements meet state laws, New York state’s Department of Financial Services recommends buying higher coverage amounts.2 Medical expenses can pile up fast, and minimum liability limits may cover only a fraction of the actual costs. If you cause an accident that results in serious injuries or damages a high-value vehicle, you could be personally responsible for costs that exceed your liability limits.
Is full-coverage car insurance worth it in New York?
Picture this: You’re driving through the Catskills when a deer jumps in front of your vehicle. With only a minimum-coverage New York car insurance policy, you’d pay for your car’s repairs out of pocket. With full coverage, you’d pay your deductible, and your insurance would handle the rest. The extra protection can be the difference between a minor inconvenience and a major financial setback.
Pros and cons of having full-coverage car insurance
How to find cheap full-coverage car insurance in New York
Finding affordable New York car insurance requires a little smart shopping. The following tips can help you lock in a better deal when you want to go beyond minimum coverage:3
Raise your deductible. Bumping your deductible from $500 to $1,000 is one way to lower your premium, but be sure you can afford to pay the higher amount if you need to file a claim.
Bundle up. Buying your renters or homeowners insurance from the same company as your auto policy may qualify you for a multi-policy discount, called “bundling.”
Shop around. Loyalty doesn’t always pay in insurance. Every insurer weighs your driving record, credit history, and even ZIP code differently, leading to different rates.
Take a defensive driving course. Complete a New York-approved accident prevention course (online or in person) to get a discount on your insurance policy’s liability, collision, and personal injury protection (PIP) coverage for three years.
Full-coverage car insurance in New York FAQs
New York insurance coverage can be confusing, so here’s a quick guide to common questions about full-coverage protection.
Is full-coverage car insurance required in New York?
No. New York insurance requirements don’t include full coverage. State law requires you to have at least basic liability insurance (bodily injury and property damage), personal injury protection (PIP coverage), and uninsured motorist coverage.
Is New York a no-fault state?
Yes. New York is a no-fault car insurance state. This means your car insurance pays for your injuries, no matter who caused the car accident.
How much does full-coverage car insurance cost in New York?
The average monthly price in New York for full coverage is $187, but that varies widely depending on where you live, your driving record, credit history, age, and the type of car you drive.
Does New York require uninsured/underinsured motorist coverage?
Yes. New York coverage requires uninsured motorist protection with the same state-minimum coverage limits as your bodily injury liability coverage — $25,000 per person and $50,000 per accident. This protects you if you’re in a hit-and-run accident or an uninsured driver hits you.
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