BestCar InsuranceNew YorkBest Car Insurance in New York (May 2023)
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Erie is the best provider for young adults and drivers with offenses. Chubb is ideal for seniors and those who want excellent customer service. Those with new cars may fare best with Allstate.
We also gathered the cheapest car insurance companies in New York if cost is your priority, regardless of anything else.
BestCar InsuranceNew YorkBest Car Insurance in New York
Best Overall - Erie
Best for Service - Chubb
Best for Minimum Coverage - Erie
Best for Young Adults - Erie
Best for Seniors - Chubb
Best for Driving Offenses - Erie
Best for New Cars - Allstate
Best for Military - USAA
Best Overall for Car Insurance in New York
In New York, the best car insurance company for full coverage is Erie. These providers scored the highest in our analysis:
- Erie: MoneyGeek score of 92 out of 100 ($1,448 per year)
- Chubb: MoneyGeek score of 91 out of 100 ($2,318 per year)
Among the New York companies in our comparison group, Erie offers the best blend of customer satisfaction and affordability.
On average, New York drivers pay $3,433 per year for full coverage car insurance. But if you value savings most, we rounded up the cheapest full coverage car insurance in New York.
1
ErieBest Overall
Score:92
Erie is our pick for the best car insurance company in New York. It balances quality service and affordable policies. On average, its full coverage policy costs $1,448 per year. Erie also offers unique add-on coverages like glass deductible modification.
More About Erie
Erie’s optional coverages include accident forgiveness, personal property insurance and glass deductible modification.
By adding Erie’s glass deductible modification — called Full Window Glass — to your auto policy, you won’t have to cover the deductible for windshield repairs or replacements.
Erie also offers personal property insurance to help cover up to $350 worth of clothing, luggage and personal belongings lost in a car accident.
Its accident forgiveness coverage prevents extra costs on your premium after your first at-fault accident if you’ve been an Erie policyholder for three or more years.
Erie performed well on J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index. So, its customer service is reliable.
2
Erie
Score:92
Erie is our pick for the best car insurance company in New York. It balances quality service and affordable policies. On average, its full coverage policy costs $1,448 per year. Erie also offers unique add-on coverages like glass deductible modification.
More About Erie
Erie’s optional coverages include accident forgiveness, personal property insurance and glass deductible modification.
By adding Erie’s glass deductible modification — called Full Window Glass — to your auto policy, you won’t have to cover the deductible for windshield repairs or replacements.
Erie also offers personal property insurance to help cover up to $350 worth of clothing, luggage and personal belongings lost in a car accident.
Its accident forgiveness coverage prevents extra costs on your premium after your first at-fault accident if you’ve been an Erie policyholder for three or more years.
Erie performed well on J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index. So, its customer service is reliable.
3
Chubb
Score:91
Because of its above-average customer service and claims management, Chubb is the next-best full coverage option for New Yorkers. Expect to pay around $2,318 annually for a full coverage policy, but be prepared for limited unique options.
More About Chubb
Chubb offers three unique optional coverages: original equipment manufacturer (OEM), diminished value and antique/classic car insurance.
With OEM coverage, Chubb pays to repair original parts to make sure your vehicle performs properly after a covered accident.
If you purchase Chubb’s diminished value coverage, you get a check for the value of your car when your policy was written if your vehicle is stolen or totaled.
Antique/classic car insurance covers garaged vehicles of at least 30 years old or that are part of a larger collection or a limited production model.
Though there are few add-on coverages, Chubb is one of the best full coverage car insurance providers in New York. It provides excellent customer service, especially during a policyholder’s time of need.
4
Chubb
Score:91
Because of its above-average customer service and claims management, Chubb is the next-best full coverage option for New Yorkers. Expect to pay around $2,318 annually for a full coverage policy, but be prepared for limited unique options.
More About Chubb
Chubb offers three unique optional coverages: original equipment manufacturer (OEM), diminished value and antique/classic car insurance.
With OEM coverage, Chubb pays to repair original parts to make sure your vehicle performs properly after a covered accident.
If you purchase Chubb’s diminished value coverage, you get a check for the value of your car when your policy was written if your vehicle is stolen or totaled.
Antique/classic car insurance covers garaged vehicles of at least 30 years old or that are part of a larger collection or a limited production model.
Though there are few add-on coverages, Chubb is one of the best full coverage car insurance providers in New York. It provides excellent customer service, especially during a policyholder’s time of need.
How the Best Insurers in New York Rank: MoneyGeek Scores and Costs
We analyzed car insurers in New York and concluded Erie is the best because it combines excellent customer service with affordable rates. Chubb is the next-best insurer for the best customer service and claims management. But, both providers have limited coverage options.
Companies like Progressive, Allstate, Travelers and Hanover are ideal for specific coverage needs. But, expect to pay higher premiums.
For this analysis, we used full coverage rates. We only included insurers with enough available information for us to reliably use.
Best Car Insurance in New York for Customer Service
For drivers looking for insurers with high-quality service regardless of cost, Chubb is the best car insurance company in New York.
- Chubb: MoneyGeek score of 93 out of 100 ($2,318 per year)
- Erie: MoneyGeek score of 90 out of 100 ($1,448 per year)
Chubb ranked highest for customer satisfaction and claims management, both of which are important for a good customer experience. However, its full coverage policies tend to be more expensive.
pros
Ranked first in customer satisfaction
Ranked first in claims management
Offers original equipment manufacturer (OEM) coverage
cons
Has more expensive premiums than other insurers
Lacks road assistance and gap insurance
COMPANY HIGHLIGHTS
For an excellent customer experience, consider car insurance from Chubb. This insurer provides quality service based on studies from J.D. Power surveys and the NAIC’s customer complaint index.
Chubb offers several unique coverages you can add to your auto policy. These include original equipment manufacturer (OEM) coverage, which covers the cost of original parts when repairing your vehicle after a covered incident.
For typical add-ons, Chubb has rental car and/or travel reimbursement, letting you rent a car like the one you own. It offers optional limits of coverage — up to $5,000 — with no per-day limit.
But, Chubb doesn't have roadside assistance nor gap insurance, common options offered by most car insurers.
What Makes an Insurer the Best for Customer Service?
To have a good customer experience when filing a claim, your insurance provider must give prompt and efficient service.
We selected Chubb as the best option for customer service because it ranked the highest in customer satisfaction and claims management.
Best Car Insurance in New York for Minimum Coverage
Considering cost and service for policies meeting New York’s coverage requirements, Erie is the best car insurance company for minimum coverage.
- Erie: MoneyGeek score of 92 out of 100 ($819 per year)
- American Family: MoneyGeek score of 91 out of 100 ($697 per year)
Erie offers the best blend of affordability and service quality for its minimum coverage policies.
The average cost of a minimum coverage policy in New York is $2,278 a year. But while a minimum coverage policy in New York generally has the lowest rate, it offers the least financial protection if you have an accident.
pros
Affordable minimum coverage policy at roughly $819 per year
Bundling, pay-in-full and automatic payment discounts
Ranks second in customer satisfaction and fifth in affordability
cons
Limited coverage options
No discounts for going paperless
COMPANY HIGHLIGHTS
Erie balances affordable premiums and quality service, making it our top pick for minimum coverage in New York. It also offers discounts to make its minimum coverage policies even more affordable.
With Erie, you get discounts for bundling policies, insuring multiple cars, being accident-free or paying in full. You may also get discounts for having safety features like airbags, anti-theft devices or anti-lock brakes.
Erie also offers rare discounts other insurance providers may not. These include discounts for automatic payments, daytime running lights or a window glass etching.
What Makes an Insurer the Best for Minimum Coverage?
For New Yorkers who want cheap auto insurance, a minimum coverage policy may be their best option. For an insurance company to offer good minimum coverage, it must have affordable rates and various discounts to reduce premiums even further.
Erie combines affordability, customer satisfaction and claims management better than its competitors, making it our top pick for minimum coverage in New York.
Best Car Insurance in New York for Young Adults
Erie offers the best car insurance for young adults in New York. Based on affordability and service quality, these insurers are the best options for drivers in their 20s buying full coverage policies:
- Erie: MoneyGeek score of 91 out of 100 ($1,836 per year)
- American Family: MoneyGeek score of 90 out of 100 ($1,478 per year)
While drivers in their 20s don’t pay as much as teenagers for car insurance, they have higher premiums than middle-aged drivers.
If you’re keen on saving, we recommend shopping around to find the cheapest car insurance for young adults in New York.
pros
Distant student and driver’s education discounts
Ranks second in customer satisfaction and sixth in claims management
cons
Seventh-cheapest provider for young adults at roughly $1,836 per year
Fewer coverage options
COMPANY HIGHLIGHTS
For blending affordable policies and excellent customer service, Erie is the best car insurance company in New York for young adults. It offers discounts for college students away from home without access to an insured vehicle and unmarried young drivers insured under another Erie auto policy.
But, this insurer doesn’t have a good student discount.
With Erie, you can supplement your policy with add-ons like accident forgiveness and personal property insurance.
Accident forgiveness coverage prevents a rate surcharge after your first at-fault accident if you’ve been claims-free for three years.
Personal property insurance covers losses of personal items that were inside an insured vehicle. Both coverages may be essential to a driver in their 20s in New York.
What Makes an Insurer the Best for Young Adults?
Young adult drivers tend to have higher premiums than their middle-aged counterparts, so look for insurance companies with inexpensive rates, good customer service and sufficient coverage.
Erie has fewer coverage options than some of its competitors, but we selected it as the best provider for young adults because it performed well in customer satisfaction, claims management and affordability.
Best Car Insurance in New York for Seniors
Chubb is the best car insurance company for seniors in New York.
Our analysis found these providers blend affordability and service quality for drivers in their 60s:
- Chubb: MoneyGeek score of 92 out of 100 ($1,948 per year)
- Erie: MoneyGeek score of 92 out of 100 ($1,390 per year)
Chubb outranked Erie by scoring higher in customer satisfaction and claims management. Drivers in their 60s often pay similar rates to those in their 30s through 50s. But, they may experience a rate increase once they reach their 70s.
You can find the cheapest car insurance for seniors by comparing multiple providers.
pros
Rare coverages are available like diminished value coverage
Strong customer satisfaction and claims management scores
cons
More expensive than some insurers in our comparison group at $1,948 per month
Limited options in add-on coverages
COMPANY HIGHLIGHTS
With Chubb, senior drivers can expect relatively affordable premiums and excellent customer service for car insurance. This insurer scored highly in customer satisfaction and claims management, both of which are essential to a good customer experience.
Chubb only has one common add-on coverage: rental car and/or travel reimbursement. Adding this coverage to your policy allows you to rent a car just like the one you own if it isn’t drivable due to an accident. Chubb doesn’t have roadside assistance, which is useful if you’re stranded on the side of the road due to vehicle troubles.
When it comes to unique optional coverages, the company offers diminished value coverage, which can save you thousands of dollars if your car is stolen or totaled due to a covered loss. It allows Chubb to send you a check for the agreed-upon cash value of your vehicle when your policy was written.
What Makes an Insurer the Best for Seniors?
People in their 60s are generally considered safe drivers, so their rates tend to be lower. But, because they're more susceptible to serious injury in a crash, companies with affordable full coverage policies may be best for this group. Chubb, our winner, offers the best overall blend of affordability and service quality for seniors.
Best Car Insurance in New York for Drivers With Offenses
New York drivers with violations on their records, like a ticket, at-fault accident or DWI (New York does not use DUI), may find Erie is the best option for car insurance.
Based on affordability and service quality, these our top picks:
- Erie: MoneyGeek score of 92 out of 100 ($1,856 per year)
- American Family: MoneyGeek score of 90 out of 100 ($1,380 per year)
Erie scored highly in customer satisfaction and affordability. Finding the most affordable car insurance after an incident is critical, as average rates in New York increase by $295 after a speeding ticket, $199 after an at-fault accident and $1,050 after a DWI.
pros
Fifth-cheapest rate at an average of $1,856 per year
Accident forgiveness and rental car reimbursement
cons
Better car replacement and new car replacement not available in New York
COMPANY HIGHLIGHTS
New York drivers with poor driving records may get affordable rates from Erie. They can also expect good customer service and claims management but fewer coverage options.
Policyholders in New York who purchase Erie’s accident forgiveness can prevent a rate increase after their first accident, regardless of who's at-fault.
Rental car reimbursement, meanwhile, ensures you have means of transportation if your car is being repaired due to an accident.
Other coverages to help you after an accident like roadside assistance, better car replacement and new car replacement are either missing from Erie’s offerings or not available to New York drivers.
What Makes an Insurer the Best for Drivers With Offenses?
Some insurance providers provide coverage for drivers with offenses, but they often charge higher premiums. To find the best car insurer, high-risk drivers should look at rates and discounts.
Erie, our top-rated insurer, has inexpensive rates and discount opportunities.
Best Car Insurance in New York for Drivers With New Cars
Based on our analysis of insurers with new or better car replacement coverage in New York, the best company for drivers with new cars is Allstate.
- Allstate: MoneyGeek score of 81 out of 100 ($2,049 per year)
- Kemper: MoneyGeek score of 80 out of 100 ($926 per year)
Allstate bested its competitors in customer satisfaction but performed poorly in affordability and claims management.
Drivers with new cars may consider supplementing policies with new car replacement coverage. This replaces your car with a new one of the same make and model.
pros
Offers new car replacement coverage
Tied for first in coverage options and ranked second in customer satisfaction
cons
Below-average affordability and claims management
COMPANY HIGHLIGHTS
We found Allstate is the best car insurance provider for New Yorkers with new cars. Expect good customer service from this insurer but more expensive premiums for a full coverage policy.
To financially protect your brand-new vehicle, you can supplement your Allstate policy with new car replacement coverage. This replaces your car with a new model if your vehicle that’s two years old or less is totaled.
Allstate also has other coverages you can add to your policy, including custom parts coverage. This provides coverage for a loss to custom equipment. Examples include special carpeting, height-extending roofs, custom murals and decals.
What Makes an Insurer the Best for Drivers With New Cars?
Drivers with new cars need to look for insurance to financially protect their investments. A good insurance provider has affordable rates and coverages like new or better car replacement to supplement your policy.
With Allstate, you may have higher premiums in New York, but the tradeoff is excellent customer service and sufficient new vehicle coverage.
Best Car Insurance in New York for Military Drivers
With a MoneyGeek score of 93 out of 100, USAA is the best car insurance provider for New York drivers that are members of the military community. A full coverage policy from this insurer costs an average of $1,303 per year, the fourth cheapest in the state.
Make sure to check if you meet USAA’s strict eligibility requirements before applying.
You may also consider GEICO as an active-duty military member, veteran or member of the National Guard or Reserves. GEICO has military-affiliated discounts available that may lower your total premium by 15%.
pros
Ranked fourth in affordability, with an average annual rate of $1,303
Ranked first in customers satisfaction
cons
Poor claims management and coverage options
Accident forgiveness not available in New York
COMPANY HIGHLIGHTS
Because USAA tailors its policies to serve the military community, it’s ideal for active-duty military members, veterans and their families. But, while this insurer balances cost and service quality, its coverage options are limited.
With USAA, you can purchase roadside assistance or rental car and/or travel reimbursement as an add-on.
Roadside assistance covers the cost of towing, locksmith services and other labor services, such as jumpstarting your battery or delivering gas.
Rental car and/or travel reimbursement pays for a rental car if your vehicle isn’t drivable due to an accident.
To lower your premiums, you may qualify for a military discount from USAA if you park your insured vehicle on base.
How to Find the Best Car Insurance in New York for You
The best car insurance company blends affordability, service quality and financial stability. While our guide presents insurance providers that may suit your needs and driver profile, we understand the value of doing your own verification. So, we outlined important steps you need to take to find the best insurer for you.
1
Research customer service reputations in New York
We studied J.D. Power's customer satisfaction study and the NAIC customer complaint index to score New York insurers on customer satisfaction. These agencies can help you get information about an insurance company’s service record.
You may also visit the New York Department of Insurance website to find out more about a particular insurer.
2
Compare quotes
The quotes in this guide represent average rates for sample drivers in New York. Your actual rate can vary based on many factors.
By comparing rates from at least three different insurers, you can get a ballpark figure of how much you’ll pay for car insurance coverage.
3
Find the coverages you want in New York
Some insurance providers offer coverages and discounts that may not be widely available across states. Case in point, Erie’s new or better car replacement coverage and USAA’s accident forgiveness aren't available in New York.
If you see an advertised coverage or discount, reach out to the insurer to confirm if it's applicable in your location.
4
Check financial stability ratings
An insurance provider with a high financial stability rating has a record of meeting its financial obligations. Check the rating of the insurer you're considering before purchasing a policy.
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FAQs About the Best Car Insurance in New York
The best car insurance for you largely depends on your specific needs and circumstances. We answered some frequently asked questions to help you determine which option is best for you.
About Mark Fitzpatrick
