Progressive ranks as the best car insurance company in New York, earning a MoneyGeek score of 4.8 out of 5 for its strong mix of affordability, customer service and comprehensive coverage options. Since insurance needs vary by driver, we also recommend considering NYCM, American Family, GEICO and Erie.
Best Car Insurance in New York
Updated: August 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in New York is Progressive, ranking first for its comprehensive coverage options.
NYCM offers the best rates for young drivers in New York, while Erie provides optimal coverage for drivers with bad credit.
To secure the best insurance rates in New York, decide on coverage requirements first, research provider options and compare plenty of quotes before choosing.
Best Car Insurance Companies in New York
| Progressive | 4.81 | $49 | 4 | 1 |
| NYCM | 4.70 | $42 | 9 | 6 |
| American Family | 4.45 | $64 | 6 | 7 |
| GEICO | 4.40 | $66 | 8 | 7 |
| Erie | 4.39 | $91 | 1 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in New York by Driver Profile
Progressive leads in seven out of ten New York driver categories, from adult drivers to those with speeding tickets. NYCM offers the best rates for young drivers and low-income customers, while Erie tops the bad credit category.
| Young Drivers | NYCM | 1 | 9 | 6 |
| Adult Drivers | Progressive | 2 | 4 | 1 |
| Senior Drivers | Progressive | 2 | 4 | 1 |
| Drivers With an Accident | Progressive | 2 | 4 | 1 |
| Drivers With a DUI | Progressive | 1 | 4 | 1 |
| Drivers With a Speeding Ticket | Progressive | 1 | 4 | 1 |
| Drivers With Bad Credit | Erie | 1 | 1 | 2 |
| Drivers With Low Income | NYCM | 1 | 9 | 6 |
| Drivers With Newer Cars | Progressive | 3 | 4 | 1 |
| Drivers With Old Cars | Progressive | 2 | 4 | 1 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best New York Car Insurance Recommendations
Our general recommendations might not match your specific needs. Compare our top five insurance providers to find coverage that fits your personal profile.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| NYCM | 4.70 | $99 | 9 | 6 |
| Travelers | 4.54 | $136 | 2 | 4 |
| GEICO | 4.28 | $140 | 8 | 7 |
| Progressive | 4.20 | $172 | 4 | 1 |
| Erie | 4.16 | $181 | 1 | 2 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best New York Car Insurance Reviews
Find detailed service comparisons for our top-rated insurance providers below.
Progressive
Best Coverage Options in New York
MoneyGeek Rating
4.8/ of 5
4.9/5Affordability
4.7/5Customer Experience
5/5Coverage Options
Average Monthly Full Coverage Cost
$64For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$34For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.3/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Pet Injury Coverage
NYCM Insurance
Best Cheap Overall in New York
MoneyGeek Rating
4.7/ of 5
5/5Affordability
4.4/5Customer Experience
3.7/5Coverage Options
Average Monthly Full Coverage Cost
$58For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$25For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
3.9/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
Farm Personal Property
How to Find the Best Car Insurance in New York
Finding affordable car insurance in New York doesn't have to be complicated. Our guide helps you choose the right coverage for your needs.
- 1
Decide on coverage needs before you buy
Not knowing what coverage you need is the quickest way to overpay for car insurance. Take time to evaluate your driving habits, vehicle value and financial situation to determine the coverage you need while meeting New York required minimums.
- 2
Research average costs and discounts you may qualify for
Start by checking average car insurance costs in New York to understand typical rates for your profile. Look into savings opportunities like home and auto insurance bundles, safe driver discounts and telematics programs. Taking a defensive driving program through NY's PIRP can reduce your premium by up to 10%.
- 3
Look through provider customer experiences and coverage options thoroughly
Look at customer reviews and available add-ons and optional coverages to make sure the provider meets your specific needs.
- 4
Consider non-standard coverage options
Explore alternatives like manufacturer insurance, non-owner car insurance or pay-per-mile policies that might better suit your situation.
- 5
Compare plenty of quotes through multiple means
Shopping around is crucial to finding the cheapest option possible. Get quotes through insurance company websites, independent agents and comparison tools since rates can vary significantly between channels.
- 6
Reassess annually
Review your policy each year and compare new quotes to find the best rate.
Best New York Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Progressive is the top-rated company overall, while NYCM and American Family are also good options for drivers in New York.
Best Auto Insurance in New York: FAQ
Your car insurance needs are unique, so we've gathered answers to common questions that'll help you choose coverage that fits your situation.
What is the best car insurance company in New York?
Progressive stands as the leading car insurance company in New York, earning a MoneyGeek score of 4.8 out of 5 and offering full coverage at an average monthly rate of $64.
What is the best car insurance company for minimum coverage in New York?
NYCM leads the pack for minimum coverage in New York with an average rate as low as $301 per year.
What is the best car insurance in New York for young drivers?
NYCM is the top choice for young adults in New York, providing competitive rates at $465 annually for minimum coverage and strong customer service.
What is the best car insurance for New York drivers who value customer service?
Erie ranks highest for customer experience in New York with a score of 5 out of 5. The company excels in its purchase experience, agent interactions, digital policy tools and claims handling satisfaction.
What is the best car insurance in New York if you have driving offenses?
Progressive leads the pack for New York drivers with violations, offering monthly rates of $35 for minimum coverage and $66 for full coverage auto insurance.
How We Rated the Best Car Insurance in New York
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in New York. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within New York. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on New York-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.