The Best Car Insurance in New York

Progressive leads New York's car insurance market, offering the best overall value. NYCM Insurance, American Family, GEICO and Erie Insurance follow closely.

Find the best car insurance for you in New York today.

Written by Mark Fitzpatrick

Updated: December 29, 2025

Advertising & Editorial Disclosure

Quick Take: What Is the Best Car Insurance for New York Drivers?

Best Overall and Best for Seniors or Those With a Violation: Progressive, 4.81/5 stars
Progressive is the best car insurance across driver types in New York, with perfect coverage scores (5/5) and strong affordability rankings. The mobile app offers same-day claims decisions and no required adjuster calls. For high-risk drivers with violations or seniors, Progressive's rates beat competitors. Read more

Best for Young Drivers and Those With Low Income: NYCM Insurance, 4.70/5 stars
NYCM Insurance offers the most affordable coverage in New York with the lowest annual premiums at $501. Young drivers pay $97 monthly versus $120 to $160 at competitors. NYCM provides solid customer service with a regional New York focus. Read more

Best Cheap for Drivers With Newer Cars: GEICO, 4.40/5 stars
GEICO offers budget-friendly coverage for drivers with newer vehicles seeking basic protection. The company stands out for competitive rates and a straightforward digital experience, though coverage options are more limited than competitors. Read more

Best Car Insurance Companies in New York

Progressive leads overall with perfect coverage scores and competitive rates across most driver types. NYCM Insurance ranks second with the lowest premiums in the state at $42 monthly. American Family ranks third with strong customer experience ratings. The table shows the top-rated car insurance company scores in New York based on affordability, customer experience and coverage options:


Progressive	4.81	$49	4	1
NYCM Insurance	4.70	$42	9	6
American Family	4.45	$64	6	7
Geico	4.40	$66	8	7
Erie Insurance	4.39	$91	1	2

Best Car Insurance in New York by Driver Profile

Finding the right car insurance in New York depends on your driving profile and history. Progressive dominates the market by offering the best rates across 7 different driver categories. NYCM Insurance leads in 2 categories, particularly for younger drivers and those with limited income. Each company excels in specific areas based on their underwriting and discount programs.Best for Young Drivers (16 to 25): NYCM Insurance. Young drivers pay $97 monthly with NYCM versus $120 to $160 at competitors. NYCM offers family plan discounts and accident forgiveness programs for teens and young adults building their driving records.

Best for Senior Drivers (65+): Progressive. Senior discounts, defensive driving credits and accident forgiveness reduce premiums. Progressive offers age-specific discounts in New York and prevention credits that lower rates without compromising coverage.
Best With an At-Fault Accident: Progressive. Accident forgiveness prevents immediate rate increases after your first at-fault accident. Progressive's program saves $300 to $500 annually compared to companies that spike rates immediately after accidents.
Best With a Speeding Ticket: Progressive. Progressive applies 25% to 40% rate increases for tickets versus 50%+ at competitors. The company offers programs to remove points from your record through defensive driving courses.
Best With Bad Credit: Erie Insurance. Erie applies credit factors less harshly than competitors, and rates drop as your credit improves. Erie considers multiple factors beyond credit when determining your rate.


Young Drivers	NYCM Insurance	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 Insurance	1	1	2
Drivers With Low Income	NYCM Insurance	1	9	6
Drivers With Newer Cars	Progressive	3	4	1
Drivers With Old Cars	Progressive	2	4	1

Best New York Car Insurance Reviews

After analyzing rates, coverage options and customer satisfaction scores, MoneyGeek identified Progressive, NYCM Insurance and GEICO as the state's leading car insurance providers. Each company delivers distinct advantages for specific driver profiles and coverage needs. Our comprehensive evaluation of these top-rated insurers reveals key strengths and pricing patterns:

Best Overall and Best for Seniors or Those With a Violation: Progressive

Progressive

Best Overall and Best for Seniors or Those With a Violation

MoneyGeek Rating

4.8/ 5

4.9/5Affordability

4.7/5Customer Experience

5/5Coverage Points

Average Monthly Full Coverage Cost
$64
Average Monthly Minimum Coverage Cost
$34
Agent Service Score
4.3/5
Most Unique Coverage Add-On
Pet Injury Coverage

pros
- Ranks first overall among New York car insurers
- Offers most comprehensive coverage options in state
- Snapshot program rewards safe driving with discounts
- Best for drivers with violations seeking coverage
cons
- Limited local agent network throughout New York
- Higher complaint ratios for claims processing delays
Progressive is our top choice for most New York drivers. The company combines perfect coverage scores (5/5), competitive rates across nearly all driver categories and strong digital tools. The mobile app is a standout, with same-day claims decisions and no required calls to adjusters. For seniors and drivers with violations, Progressive's rates beat competitors.
Progressive offers competitive pricing in New York with full coverage averaging $64 monthly and minimum coverage at $34 monthly. Seniors pay $84 monthly. Drivers with violations pay $64 monthly for accidents, $67 for DUI and $66 for speeding tickets.

Progressive's Snapshot telematics program tracks safe driving and rewards good behavior with rate reductions. Bundling discounts provide 12% to 25% savings on both policies for New York homeowners. Paperless billing and automatic payment options add small additional savings.
Progressive has a customer experience rating of 4.7 out of 5 in New York. The mobile app lets you file claims, upload photos, get same-day decisions and skip calling an adjuster. With 24/7 support, Progressive handles weather-related claims and urban theft better than competitors. Wait times for phone support are minimal compared to competitors during routine inquiries, though longer during peak claim periods.
Progressive offers comprehensive coverage options in New York beyond standard liability, collision and comprehensive protection. The company provides pet injury coverage, custom parts coverage, gap insurance, roadside assistance and emergency rental reimbursement. This flexibility allows New York drivers to build policies customized to their needs, valuable for drivers dealing with risks like winter storm damage and urban theft.

Best for Young Drivers and People With Low Income in New York: NYCM Insurance

NYCM Insurance

Best for Young Drivers and Those With Low Income

MoneyGeek Rating

4.7/ 5

5/5Affordability

4.4/5Customer Experience

3.7/5Coverage Points

Average Monthly Full Coverage Cost
$58
Average Monthly Minimum Coverage Cost
$25
Agent Service Score
3.9/5
Most Unique Coverage Add-On
New Car Replacement

pros
- Ranks second overall among New York car insurers
- Ranks first in affordability for budget-conscious drivers
- Best option for young drivers and low-income individuals
- Strong financial stability with regional New York focus
cons
- Limited digital tools and mobile app functionality
- Coverage availability restricted primarily to New York state
- Fewer add-on coverage options than larger competitors
NYCM Insurance ranks second for New York drivers and leads for young drivers and low-income policyholders. The company offers the lowest rates in the state with a perfect affordability score (5/5). NYCM's regional New York focus provides personalized service for weather-related claims common in the state.
NYCM offers the most affordable rates in New York, with full coverage averaging $58 monthly and minimum coverage at $25 monthly. Young drivers pay $97 monthly for full coverage versus $120 to $160 at competitors. Low-income drivers pay $70 monthly for full coverage. NYCM's annual premiums average $501, $200 to $600 less than other major providers in the state.
NYCM Insurance has a customer experience rating of 4.4 out of 5 in New York. The company operates as a regional insurer with local presence throughout New York, providing personalized service for weather-related claims. Digital tools include online policy management and mobile claims filing, though the app's functionality lags behind larger competitors.
NYCM Insurance provides standard liability, collision and comprehensive coverage with roadside assistance and rental reimbursement add-ons. The company offers gap insurance and mechanical breakdown coverage for newer vehicles.

Coverage customization is limited compared to competitors. For New York drivers facing winter weather risks and urban theft, NYCM's coverage handles common scenarios at budget-friendly rates.

Best Cheap for Drivers With New Cars: GEICO

GEICO

Best Cheap for Drivers With Newer Cars

MoneyGeek Rating

4.4/ 5

4.5/5Affordability

4.5/5Customer Experience

3.3/5Coverage Points

Average Monthly Full Coverage Cost
$88
Average Monthly Minimum Coverage Cost
$43
Agent Service Score
4.2/5
Most Unique Coverage Add-On
Mechanical Breakdown Insurance

pros
- Strong financial stability with AM Best A++ rating
- Advanced mobile app with photo claim submissions
- Best cheap option for drivers with newer cars
- 24/7 customer service availability nationwide
cons
- Limited local agent network compared to competitors
- Fewer coverage customization options than other insurers
GEICO ranks fourth for New York drivers with competitive pricing and digital convenience. The company excels in affordability with a 4.5 out of 5 rating. GEICO works well for cost-conscious drivers with newer vehicles seeking basic coverage. The streamlined digital platform and mobile app provide efficient policy management, though coverage options are more limited than competitors.
GEICO offers competitive rates in New York with full coverage averaging $88 monthly and minimum coverage at $43 monthly. Drivers with newer vehicles pay $66 monthly, making GEICO the most affordable option for basic coverage.

GEICO offers a 15% discount for military families. Multi-policy bundling and good driver discounts add savings. Paperless billing and automatic payment options reduce premiums further.
GEICO has a customer experience rating of 4.5 out of 5 in New York. The mobile app receives strong reviews for claims filing, photo uploads and policy management. Wait times for phone support are longer than agent-based insurers. The 24/7 online tools work well for drivers comfortable with self-service options.
GEICO offers standard coverage options in New York including liability, collision and comprehensive coverage. The company provides mechanical breakdown coverage for newer vehicles and emergency roadside assistance.

Coverage customization is limited compared to competitors. You get the essentials but nothing beyond standard protections. Drivers seeking customization like pet injury coverage or gap insurance will need to look elsewhere.

Rates at the Best Car Insurance Companies in New York

Rates from the best car insurance companies in New York are mostly below the state's average of $63 for minimum coverage and $120 for full coverage. NYCM Insurance has the best rates overall with premiums at $42 monthly. Progressive's rates are the second best at $64 monthly. Kemper ranks third for affordability. See our guide to average auto insurance costs in New York.


NYCM Insurance	$58	$25
Progressive	$64	$34
Kemper	$69	$34
American Family	$85	$43
Geico	$88	$43
Erie Insurance	$123	$58

New York's best car insurance company rates vary by driver profile, with clean driving records and middle-age drivers costing the least and profiles with violations and poor credit costing the most. Each of the best companies stands out for different driver types. Match your profile to see which company has the best rate in New York.


Drivers With Old Cars	Progressive	$42	$23
Adult Drivers	Progressive	$62	$33
Drivers With Newer Cars	Progressive	$63	$34
Drivers With An Accident	Progressive	$64	$34
Drivers With A Speeding Ticket	Progressive	$66	$35
Drivers With A DUI	Progressive	$67	$36
Drivers With Low Income	NYCM Insurance	$70	$30
Senior Drivers	Progressive	$84	$48
Young Drivers	NYCM Insurance	$97	$39
Drivers With Bad Credit	Erie Insurance	$146	$55

How to Find the Best Car Insurance in New York

Getting the best car insurance in New York means choosing the best coverage for state risks and finding the best rates.

1
Choose Adequate Coverage
- New York minimum requirements: $25,000 per person bodily injury liability, $50,000 per accident, $10,000 property damage, $50,000 personal injury protection (PIP) and $25,000/$50,000 uninsured motorist coverage. State minimums satisfy legal requirements but won't protect you adequately in serious crashes.
- The best coverage for most New York drivers is 100/300/100: $100,000 in liability coverage to protect wages and assets and comprehensive and collision coverage for protection against winter storm damage, theft and at-fault accidents. Also, add uninsured motorist coverage to protect from the 14% of uninsured drivers in New York. Learn more about how much coverage you need.
2
Lower Your Rates
- Compare quotes: The best way to save on rates is to compare at least three quotes from insurers rather than assuming one company is cheapest. Rates vary between the cheapest companies in New York.
- Improve your risk profile to lower rates: Taking a New York-approved defensive driving course can earn discounts, and shopping after violations will minimize rate impacts. Paying off debt and improving your credit score can reduce rates by up to 70%.
- Discounts add up: Good driver discounts (10% to 20%), multi-car discounts (10% to 25%), paperless billing (3% to 5%) and automatic payment (2% to 5%) stack on top of base rates. Bundling home and auto insurance adds another 15% to 25% savings.

Best Auto Insurance in New York: FAQ

Below, our insurance experts tackle frequently asked questions about securing affordable car coverage in New York:

What's the best comprehensive deductible for New York drivers?

New York drivers should choose a $500 or $750 comprehensive deductible instead of $1,000. The lower deductible balances protection with cost given New York's harsh winters, hailstorms and flooding exposure. Drivers in high-theft areas like Brooklyn, Manhattan and the Bronx should also choose the lower deductible for theft protection.

Is full coverage the best choice for my older paid-off car in New York?

If your car is worth under $5,000, dropping comprehensive and collision saves money. If it's worth $10,000 or more, full coverage makes sense given New York's winter weather, hailstorms and urban theft exposure. Without emergency savings, keep full coverage. With savings and an older car, dropping coverage is reasonable.

What is the best New York car insurance for customer service?

Erie Insurance ranks highest for customer experience in New York with a score of 5 out of 5.

What is the best car insurance in New York for the lowest rates?

NYCM Insurance has the lowest rates. See our analysis of the cheapest car insurance companies in New York.

What's the cost of car insurance in New York?

$120 monthly for full coverage and $63 for minimum liability. See the average cost of car insurance in New York.

How We Rated the Best Car Insurance in New York

We researched more than 70 companies in New York, from national to small local providers across all U.S. residential ZIP codes in New York. We also analyzed customer reviews, discounts and coverage details to give you a complete picture of each provider's services.

Here's how we score each company in New York:

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 analyzed rates in New York by driver profile to make sure you are getting the best rate 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 best score.
Best Coverage options (10% of score): This score considers the breadth of coverage options a company offers and unique coverage features that stand-out.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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