Cheapest Car Insurance in New York

Quick take: New York car insurance rates average $63 per month for minimum coverage and $120 for full coverage, but the insurers below offer car insurance up to 64% less. For most New York drivers, NYCM, Kemper, and Progressive have the lowest rates. Here are the cheapest car insurance companies in New York based on coverage, age, violation type, and credit score:

Cheapest by coverage type

• Full coverage: NYCM, $46
• Minimum coverage: NYCM, $20

Cheapest by driver age

• Teen drivers (16) minimum coverage: NYCM, $55
• Teen drivers (16) full coverage: NYCM, $135
• Young drivers (25) minimum coverage: NYCM, $31
• Young drivers (25) full coverage: Progressive, $73
• Seniors (65+) minimum coverage: NYCM, $38
• Seniors (65+) full coverage: NYCM, $81

Cheapest by driving record

• Clean record: NYCM, $26
• Speeding ticket: Progressive, $35
• At-fault accident: NYCM $26
• DUI: Progressive, $35
• Bad credit: Erie, $56

Cheapest by city

• Brooklyn: Kemper, $71
• New York City: Kemper, $58
• Buffalo: NYCM, $25

New York rate analysis refreshed on December 2nd, 2025

For the cheapest minimum coverage in New York, NYCM Insurance leads at $20 per month ($237 yearly), which is 44% below the state average. Kemper follows as the next lowest cost at $29 monthly ($339 yearly). Progressive is another affordable option at $30 monthly ($357 yearly). All three are lower-priced than the average state costs for minimum liability-only coverage car insurance.

The cheapest car insurance coverage amount you can buy in the state is minimum liability-only coverage. New York requires $25,000 in bodily injury liability per person, $50,000 per accident and $10,000 in property damage (25/50/10), plus $50,000 in personal injury protection and $25,000 in uninsured motorist coverage.  

Find out how much car insurance you need.

For affordable full coverage in New York, NYCM Insurance is cheapest at $46 monthly ($543 yearly), or 37% less than the state average. Progressive follows as the next lowest cost at $56 monthly ($663 yearly), and Kemper costs $57 monthly ($683 yearly) saving you 21 to 23% compared to the state average.

Should you get cheaper minimum coverage or full coverage in New York? Minimum coverage is your lowest-cost option, but full coverage provides comprehensive and collision protection in addition to your existing liability policy. Collision pays for damage to your car when you cause an accident, and comprehensive covers theft, vandalism and weather damage.  If you live in a major city in New York, you should opt for full coverage unless you drive a car worth less than $5,000.  Also, lenders require that you buy full coverage for financed and leased cars.

The lowest rates in New York vary by city, with NYCM Insurance and Kemper offering the cheapest coverage in most cities. The least expensive minimum monthly coverage in New York ranges from $18 in Syracuse to $71 in Brooklyn. 

The cheapest full monthly coverage costs between $41 in Syracuse and $138 in Brooklyn. Kemper saves you up to 52% in Brooklyn versus the city average.  If you live in New York City, Kemper is your cheapest option.

For 16-year-olds in New York, NYCM offers the most affordable minimum coverage at $55 monthly and full coverage at $135 monthly, a big savings versus the state average for this age. 25-year-olds will see much lower rates, with NYCM providing the cheapest minimum at $31 monthly and Progressive offering the lowest full coverage at $73 monthly.  Parents should keep young drivers on the family policy until age 25 to save up to 42% on rates.

NYCM offers the cheapest minimum coverage for seniors across most ages, ranging from $29 to $47 monthly. Full coverage varies by age, with NYCM being the cheapest at ages 65, 70 and 80 ($81, $60, and $77 monthly), while Progressive offers better rates at age 90 ($91 monthly). Younger seniors have a lower rate, but rates will increase for older seniors.  

Save about 10% by taking a defensive driving course. Most seniors can get a discount of up to 30% by lowering the mileage estimate they provide the insurance company as they drive less.

Progressive has the cheapest car insurance for a DUI in New York starting at $35 monthly for minimum coverage and $65 for full coverage. NYCM is the next lowest cost at $40 monthly for minimum coverage and $85 for full coverage.

After an at-fault accident, NYCM offers the most affordable rates at $26 monthly for minimum coverage and $59 for full coverage. Progressive and Kemper are next cheapest at $35 and $48, respectively.

After an at-fault accident in New York, rates typically jump 20-40%. You can lower rates faster by taking a New York DMV-approved defensive driving course for up to a 10% discount.

After a speeding ticket in New York, Progressive provides the most affordable minimum coverage at $35 monthly and full coverage at $64 monthly. NYCM follows closely at $36 monthly for minimum coverage and $78 for full coverage.

For drivers with poor credit in New York, Erie offers the most affordable rates at $56 monthly for minimum coverage and $146 for full coverage. NYCM provides coverage at $65 per month for minimum coverage and $141 for full coverage. 

Since New York allows insurers to factor credit-based insurance scores into pricing, poor credit can increase your rate by 150%.  This is why one of the most effective strategies for lowering costs is to improve your credit score.

Use these quick tactics to lower your New York car insurance rates immediately.

• Shop NY insurers: Compare five or more insurers for $20 to $30 per month in savings based on your location.
• Raise deductible to $1,000: Cuts premiums 14% ($76/year average).
• Bundle home and auto insurance to save on both policies in New York.
• Stack discounts: Add good driver (10% to 20%), paperless (3% to 5%), and auto-pay (2% to 5%) instantly.
• Multi-car discount: Insure multiple vehicles together for 10% to 25% per vehicle.
• Choose minimum liability: Drop to $20 per month if you own your car outright instead of $46/month full coverage.

See other strategies to lower your car insurance rates.

We gathered auto insurance data from the New York State Department of Financial Services and analyzed quotes from major insurers across all residential ZIP codes in New York. Our analysis included more than 59 million rate comparisons in New York to find the cheapest options for different driver profiles, coverage types and demographics. For detailed information on our research methodology, see our car insurance methodology guide.