Best Car Insurance Companies in New York, NY

The ideal insurance provider for you could vary based on your unique driving profile and needs. Chubb is best overall, for seniors and customer service. Young adults, individuals with violations and those seeking minimum coverage should consider American Family. Teens may fare better with State Farm. Those with newly bought cars should evaluate Allstate.

If you’re more concerned about costs, MoneyGeek researched the cheapest car insurance in New York.

The best car insurers overall in New York for full coverage are:

• Chubb: MoneyGeek score 80 out of 100 ($3,064 per year)
• Erie: MoneyGeek score 79 out of 100 ($2,093 per year)

Chubb is highly regarded for its customer satisfaction and effective claims management, both of which play a crucial role in selecting the best car insurance provider. Erie holds the distinction of being the leading insurer in the state of New York.

Scoring an impressive 82 out of 100, USAA is a highly recommended car insurance provider for members of the military.

We conducted a study that ranked 11 insurance providers in New York, and Chubb was named the overall winner. Insurers must have sufficient data on all scoring components for an overall MoneyGeek score, and the rates used here are for a full coverage policy.

While Chubb may not have the cheapest premiums, the company’s commitment to offering personalized attention and efficient claims handling sets them apart from other insurance providers. Kemper, for example, offers the cheapest rates but falls short in customer satisfaction. Erie is another strong competitor, but its coverage limitations brought its ranking down to second.

Without considering cost, the following car insurance companies stand out as the best in terms of customer service in New York for full coverage policies:

• Chubb: MoneyGeek score 76 out of 100 ($3,064 per year)
• Erie: MoneyGeek score 70 out of 100 ($2,093 per year)

​​Chubb ranked highly for claims management and customer service. This insurer’s policies are not the most cost-effective option available, indicating that prospective customers need to be willing to pay a higher price for exceptional service.

Good customer service from an insurance company means providing policyholders with exceptional support and assistance. This may include responsive communication, knowledgeable representatives, efficient claims processing and flexibility.

Chubb's excellent ratings from J.D. Power and the NAIC suggest that the firm cares deeply about its clients and strives to provide them a positive experience with regard to their insurance needs.

After researching the affordability and quality of service for policies that solely satisfy New York's minimum coverage requisites, we identified the top companies in New York:

• American Family: MoneyGeek score 80 out of 100 ($899 per year)
• Chubb: MoneyGeek score 79 out of 100 ($1,617 per year)

In New York, minimum coverage policies with the most affordable rates provide the least amount of protection against liability costs and do not offer any coverage for damage to your own vehicle in case of an accident. Minimum car insurance requirements are uniform across all cities in New York.

A good minimum coverage policy from an insurance company means it offers affordable rates while providing sufficient protection against liability costs. It’s also worth noting that just because an insurer charges low rates doesn’t mean it can’t provide quality service.

American Family is one example of an insurance company that strikes the right balance between affordability, coverage and service, ensuring clients receive great coverage without breaking the bank.

For young adults seeking the best car insurance in New York, the companies to consider for full coverage are:

• American Family: MoneyGeek score 78 out of 100 ($1,842 per year)
• Erie: MoneyGeek score 78 out of 100 ($2,664 per year)

American Family is our top choice in this category, thanks to its exceptional coverage and affordability ratings. Ensuring you are financially protected at an affordable monthly rate is important for young drivers with less experience on the road.

A good car insurance policy should provide adequate protection while keeping rates affordable to avoid the burden of expensive monthly payments. You can explore discounts tailored to your age group to further reduce costs. A reliable car insurance company should also prioritize a strong customer experience, including easy claims processing.

American Family earned high scores in coverage and affordability, making them a promising option. The runner-up, Erie, did score higher in customer satisfaction.

In New York, the top-rated car insurance companies for teen drivers on a full coverage family policy are:

• State Farm: MoneyGeek score 76 out of 100 ($7,902 per year)
• Allstate: MoneyGeek score 64 out of 100 ($5,082 per year)

State Farm scored well for affordability and satisfaction. These factors ensure that policyholders get excellent service at a reasonable rate.

It is also worth noting that choosing a family plan can significantly reduce car insurance costs. For instance, in the Big Apple, a family plan is approximately $2,767 less per year compared to an individual policy for teens, resulting in a 44% cost-saving. Teens under 18 need a parent’s consent to get car insurance.

Insurance providers with quality policies for adolescent drivers offer reasonably priced rates, customized discounts for students and comprehensive coverage that instills confidence in new drivers and their parents. This may include benefits like roadside assistance and accident forgiveness, which provide a sense of security and assurance on the road.

State Farm was the best option for teens based on its affordability and satisfaction score. The runner-up, Allstate, did score better in terms of coverage options.

Our top recommendation for car insurance providers for senior citizens in New York who want full coverage are:

• Chubb: MoneyGeek score 83 out of 100 ($2,569 per year)
• Erie: MoneyGeek score 80 out of 100 ($2,008 per year)

Chubb excels in providing excellent claims management and good customer service. These attributes are important for senior drivers who want to ensure that their insurance needs are met.

Motorists in their 60s typically pay premiums comparable to those in their 30s, 40s and 50s, but may see an increase in rates in their 70s.

Insurance companies that cater to seniors know how to provide coverage that is tailored to their unique needs. Examples of this include personal injury protection (PIP) or medical payments coverage because they are more prone to serious injury. Insurers may also offer senior-specific discounts.

A company like Chubb that provides a high level of support can be ideal in making sure senior drivers are given the care and attention they need.

Drivers in New York who need full coverage can consider these car insurance companies for drivers with violations:

• American Family: MoneyGeek score 79 out of 100 ($1,820 per year)
• Erie: MoneyGeek score 77 out of 100 ($3,403 per year)

American Family's greatest strengths lie in its affordability and range of coverage options. This is important for drivers with offenses who may struggle to find insurance coverage within their budgets.

Depending on the severity of the offense, car insurance rates for drivers in New York can increase significantly. Drivers with a DWI (driving while intoxicated) can expect to pay approximately $1,527 more per year for car insurance than those with a clean record, while those with speeding tickets typically pay only $429 more per year.

When an insurance company has good policies for drivers with violations, it means that it can offer affordable rates and discounts to help offset the higher costs associated with these violations.

American Family’s low premiums and coverage options can be appealing to these drivers. The runner-up, Erie, could be a better option for drivers who anticipate filing claims.

According to our research, the ideal insurance companies in New York for individuals owning a new car are:

• Allstate: MoneyGeek score 56 out of 100 ($2,852 per year)
• Kemper: MoneyGeek score 50 out of 100 ($1,305 per year)

We evaluated affordability and quality of service provided by insurers to drivers owning a 2022 model car in New York. The evaluation was restricted to only those insurance companies that offer new car replacement or better car replacement coverage. With this coverage, the insured policyholder can receive a payout that enables them to replace their car with a brand-new or better one.

Allstate has a reputation for excellent customer service and claims handling.

An insurance company that offers excellent policies for drivers with new cars provides coverage that is uniquely designed to meet the requirements of new car owners. Offering new or better car replacement coverage ensures that policyholders receive financial reimbursement for the replacement of their new car in the event of theft or an accident.

Allstate offers new car replacement coverage and is the best option for drivers with new cars in New York.

It's essential to remember that the ideal insurance provider in New York for you will depend on your unique needs and preferences. To help you navigate the process, we've compiled some of the most frequently asked questions.