New York, NY Car Insurance

Kemper and Progressive alternate as New York's most affordable options depending on driver profile. Adult drivers with clean records access the lowest rates at $694 annually with Kemper. Young drivers pay $1,303 per year with American Family.

Violations significantly increase your premiums in this expensive market. A DUI raises your annual cost to $776 with Progressive. An at-fault accident costs $743 per year with Progressive. Speeding tickets 11 to 15 mph over add $71 annually, bringing your rate to $765 with Progressive.

Kemper delivers New York's cheapest minimum coverage at $694 per year, 47% below the city average of $1,298. Full coverage costs $1,391 annually with Kemper compared to New York's average of $2,510.

Progressive provides competitive alternatives at $743 for minimum coverage and $1,372 for full coverage. Kemper's pricing saves New York drivers approximately $50 monthly for minimum coverage versus typical city premiums.

Adult drivers in New York benefit from the lowest premiums at $694 annually with Kemper. Senior drivers pay $955 per year with Kemper. Young drivers face costs of $1,303 annually with American Family, 88% higher than adults.

Kemper provides the best rates for adults and seniors, while American Family offers the most competitive pricing for young drivers. The rate variations reflect New York's dense urban environment where accident risk varies significantly based on driver experience and age-related factors.

Young drivers in New York City face some of the highest auto insurance costs in the country due to dense traffic, heavy congestion, and higher accident exposure. Even so, American Family and NYCM Insurance offer the most affordable rates in the city, with monthly premiums averaging $109 and $110. These prices are significantly lower than what most large national carriers charge for drivers under 25 in Manhattan, Brooklyn, and Queens.

Adult drivers in New York benefit most from Kemper and Progressive, which offer the lowest premiums at $58 and $62 per month. These insurers price well below the city average because their models account more favorably for stable driving histories, even in a market where claim severity and repair costs remain among the highest in the country.

Seniors in New York find the lowest auto insurance costs with Kemper, which averages $80 per month for minimum coverage. The insurer maintains consistent pricing across New York ZIP codes, helping older drivers avoid the steep cost increases commonly seen in high-density areas with greater accident frequency.

High-risk drivers in New York face some of the steepest premium increases in the country, but several insurers still provide competitive rates depending on the violation type. Based on the tables, Erie Insurance, Progressive, Kemper, and American Family consistently offer the best pricing across high-risk categories.

• Bad Credit: Erie Insurance, from $105 per month
• DUI: Progressive, from $65 per month
• Accident: Progressive, from $62 per month
• Speeding Ticket: Progressive, from $64 per month

Drivers with bad credit get the lowest premiums from Erie Insurance and GEICO, which charge $105 and $110 per month. These rates sit well below the New York average, where credit-based pricing tends to increase more sharply due to higher theft and vandalism claim frequency.

For drivers with a DUI, Progressive offers the cheapest coverage at $65 per month, significantly lower than other insurers. Progressive’s pricing is especially competitive for serious violations in New York, where DUIs typically trigger some of the steepest premium increases due to heightened risk scoring.

After an at-fault accident, Progressive provides the most affordable coverage at $62 per month, offering substantial savings in a city where collision frequency and repair costs drive rates higher than the national average.

New York drivers with a speeding ticket can find the lowest premiums with Progressive, which charges $64 per month. Despite elevated pricing across most carriers for moving violations, Progressive maintains strong affordability for drivers with minor infractions.

New York drivers pay an average of $1,298 per year for minimum coverage and $2,510 per year for full coverage. These rates reflect the city's high population density, elevated theft rates and complex traffic patterns that increase accident frequency.

Kemper's premiums of $694 for minimum coverage and $1,391 for full coverage fall considerably below city averages. This translates to potential annual savings of $604 for minimum coverage and $1,119 for full coverage compared to typical New York rates.

In the Empire State, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $50,000 personal injury protection (PIP) per person
• $50,000 death liability per person
• $100,000 death liability per accident

With these minimums, if you’re in a fender-bender, the coverage can help manage costs, ensuring you're not left footing hefty bills.

Kemper shines as New York's cheapest minimum coverage provider, while Progressive wins for full coverage. No matter your age or credit, you'll find insurers with plans that fit your wallet. Remember, your policy must include New York's required coverages: bodily injury, property damage, and uninsured motorist. By comparing options, secure affordable rates that adhere to state law, ensuring you're covered on all fronts.

This section provides quick answers to common questions about finding the cheapest and best car insurance options in New York.

MoneyGeek conducted an analysis of New York auto insurance prices using data from the New York Department of Financial Services and Quadrant Information Services.

New York Driver Profile

To assess the best and most affordable auto insurance options for New York residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in New York

In assessing the car insurance quotes for New York, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to New York's mandated liability insurance parameters:

The minimum coverage requirements in New York are:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $10,000 for property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident
• $50,000 personal injury protection (PIP) per person
• $50,000 death liability per person
• $100,000 death liability per accident

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among New York providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in New York.

For more details on our evaluation process, see MoneyGeek's methodology.