New York Car Insurance Quotes: Compare GEICO, Allstate and More

When it comes to getting car insurance quotes in New York, where should you start? MoneyGeek calculated quote averages from the state’s biggest insurance companies by market share, including GEICO, Allstate and State Farm, for drivers with different histories and profiles to help you find where to look first.

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Last Updated: 4/28/2022
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Usually, it takes three to eight minutes at minimum to get one online quote from a car insurance company. MoneyGeek collected quotes for different driver profiles so you can compare several companies in just a few minutes.

Car insurance quotes in New York differ among drivers. The average cost across the state is $1,751 per year for a 40-year-old SUV driver with a clean record, excellent credit score and minimum coverage. For full coverage insurance for a 20-year-old luxury sedan driver with a DUI and poor credit score, the average annual premium in the state is $34,238.

Car Insurance Quotes in New York by Company

In New York, the biggest car insurance providers based on market share are GEICO, Allstate and State Farm. MoneyGeek gathered quotes from them and other auto insurers in the state for different driver profiles considering age, driving record, credit score and more.

If you’re looking to save money, you can use our resources on the cheapest car insurance in New York. And if you want to see how much insurance costs in the state as a whole change depending on certain factors, our guide on the average cost of car insurance in New York can help.

Keep in mind that the quotes provided in our guides don’t include possible discounts, so your results may vary.

MoneyGeek collected thousands of car insurance quotes in New York. Toggle your driver characteristics to personalize quotes for a better estimate of your rates.

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Compare New York Car Insurance Quotes

Customize the toggles and get New York car insurance quotes that fit your profile

GEICO Car Insurance Quotes in New York

The average cost of car insurance with full coverage from GEICO in New York is $1,867 per year.

Its cheapest quote is $884 per year on average for a 40-year-old SUV driver with a clean record, excellent credit score and minimum coverage. The most expensive premium is roughly $32,175 per year for a 20-year-old luxury sedan driver with a DUI, poor credit score and full coverage.

Using the table below, you can select the characteristics that fit your driving profile and compare the cost of a state minimum and full coverage insurance policy.

GEICO Car Insurance Quotes in New York

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  • Coverage Level
    GEICO Average Annual Quote
  • State Minimum Liability
    $1,125
  • 100/300/100 Comprehensive/Collision
    $1,924

Allstate Car Insurance Quotes in New York

An Allstate car insurance policy with full coverage in New York costs $2,206 per year on average.

The company’s most affordable quote is for a 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum policy at approximately $1,028 per year. On the other hand, its most expensive quote is around $18,561 per year for a 20-year-old luxury sedan driver with a DUI, poor credit and full coverage.

Drivers can use the table below to select the characteristics that match them and compare the cost of state minimum and full coverage insurance policies.

Allstate Car Insurance Quotes in New York

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  • Coverage Level
    Allstate Average Annual Quote
  • State Minimum Liability
    $1,309
  • 100/300/100 Comprehensive/Collision
    $2,273

State Farm Car Insurance Quotes in New York

In New York, full coverage car insurance from State Farm costs an average of $2,481 per year.

The cheapest quote from this company is around $1,388 per year for a 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum policy. The insurer’s priciest quote is for a 20-year-old luxury sedan driver with an accident on their record, a poor credit score and a full coverage policy at $17,950 per year on average.

You can select the characteristics that fit your driving profile and compare the cost of a state minimum and full coverage insurance policy using the table below.

State Farm Car Insurance Quotes in New York

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  • Coverage Level
    State Farm Average Annual Quote
  • State Minimum Liability
    $1,766
  • 100/300/100 Comprehensive/Collision
    $2,557

Progressive Car Insurance Quotes in New York

Progressive’s full coverage car insurance costs an average of $2,286 per year in New York.

A 40-year-old SUV driver with a clean record, excellent credit score and minimum coverage will get the cheapest quote from the company at $1,240 per year on average. On the other hand, a 20-year-old luxury sedan driver with an accident on record, a poor credit score and full coverage may receive the most expensive quote at roughly $21,936 per year.

Using the table below, you can choose the details that fit you and compare the cost of a state minimum and full coverage insurance policy.

Progressive Car Insurance Quotes in New York

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  • Coverage Level
    Progressive Average Annual Quote
  • State Minimum Liability
    $1,578
  • 100/300/100 Comprehensive/Collision
    $2,356

Travelers Car Insurance Quotes in New York

A Travelers car insurance policy with full coverage in New York costs an average of $3,482 per year.

The company’s cheapest quote is around $1,708 per year. It applies to a 40-year-old SUV driver with a clean record, excellent credit score and minimum coverage. In contrast, its most expensive quote is for a 20-year-old luxury sedan driver with a DUI, poor credit score and full coverage at approximately $26,594 per year.

Drivers can select the characteristics that match their profile and compare the cost of a state minimum and full coverage insurance policy.

Travelers Car Insurance Quotes in New York

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  • Coverage Level
    Travelers Average Annual Quote
  • State Minimum Liability
    $2,174
  • 100/300/100 Comprehensive/Collision
    $3,587

USAA Car Insurance Quotes in New York

On average, a car insurance policy from USAA in New York costs $1,622 per year. However, its policies are only available to military families.

Its cheapest quote is for a 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum policy at an average of $730 per year. Conversely, its priciest quote is around $15,857 per year for a 20-year-old luxury sedan driver with a DUI, poor credit score and full coverage.

Use the table below to select the details that fit your driving profile and compare the cost of state minimum and full coverage insurance policies.

USAA Car Insurance Quotes in New York

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  • Coverage Level
    USAA Average Annual Quote
  • State Minimum Liability
    $929
  • 100/300/100 Comprehensive/Collision
    $1,672

New York Central Mutual Fire Car Insurance Quotes in New York

Full coverage car insurance in New York from New York Central Mutual Fire costs an average of $3,745 per year.

The company’s most affordable quote is around $1,670 per year for a 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum policy. Its most expensive quote is approximately $29,560 per year for a 20-year-old luxury sedan driver with a DUI, poor credit score and full coverage.

Drivers can choose the details that fit them and compare the cost of a state minimum and full coverage insurance policy using the table below.

New York Central Mutual Fire Car Insurance Quotes in New York

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  • Coverage Level
    New York Central Mutual Fire Average Annual Quote
  • State Minimum Liability
    $2,126
  • 100/300/100 Comprehensive/Collision
    $3,859

Nationwide Car Insurance Quotes in New York

In New York, a Nationwide car insurance policy with full coverage costs $3,093 per year on average.

The company’s cheapest quote is an average of $1,405 per year for a 40-year-old SUV driver with a clean record, excellent credit score and minimum coverage. Meanwhile, its priciest quote is for a 20-year-old luxury sedan driver with a DUI, poor credit score and full coverage at roughly $52,276 per year.

Using the table below, you can select the characteristics that match your driving profile and compare the cost of a state minimum and full coverage insurance policy.

Nationwide Car Insurance Quotes in New York

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  • Coverage Level
    Nationwide Average Annual Quote
  • State Minimum Liability
    $1,789
  • 100/300/100 Comprehensive/Collision
    $3,187

How to Get Free Car Insurance Quotes in New York

There are different ways to find out how much you’ll pay for car insurance.

You can do your own research or use MoneyGeek’s research to get an idea of the cost. We’ve provided insurance quotes in New York by company in this guide, but if you want more precise estimates, you can use our car insurance calculator.

Additionally, you can compare personalized online quotes from insurance providers. We recommend obtaining at least three quotes for best results. While this process is the most time-consuming, it provides the most accurate rates.

Auto Insurance Calculator

State

New York

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female
Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

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on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$884

2.

Erie

$1147

3.

GEICO

$1150

4.

Allstate

$1415

5.

State Farm

$1679

How to Get Car Insurance Quotes from Insurers in New York

You have to use online quote tools or speak to an insurance agent or broker to get car insurance quotes in New York. The process involves providing your personal information and vehicle details. It also requires you to know how much car insurance you need so the company can give you an accurate estimate.

MoneyGeek tracked the average time it takes for auto insurers to provide one car insurance quote online. We found that Allstate, State Farm, Progressive, Liberty Mutual, Travelers and Nationwide have the quickest online process. We also identified the companies that don’t provide estimates online.

How Fast Are Online Quote Tools in New York?
  • Length of Online Quote Process
    Companies
  • Quick Online Quote Process (<10 Minutes)

    • BERKSHIRE HATHAWAY GRP
    • Allstate
    • State Farm
    • Progressive
    • LIBERTY MUT GRP
    • Travelers
    • NYCM INS GRP
    • Nationwide
  • No Online Quote Process

    • USAA
    • NATIONAL GEN GRP

GEICO Car Insurance Quote Tools in New York

There’s an online quote tool available on GEICO’s website, and it takes about four minutes to get a quote from the company. Using the tool, you can change coverages and see the adjusted prices in real time.

Allstate Car Insurance Quote Tools in New York

Allstate has a quote tool on its website, and getting a quote takes around two minutes to complete. You can adjust your coverage levels and see the corresponding price change with the tool.

State Farm Car Insurance Quote Tools in New York

State Farm has an online quote tool, and the quote process takes approximately two minutes to finish. After receiving your initial quote, you can edit your coverage levels and automatically see how your rate will change.

Progressive Car Insurance Quote Tools in New York

To see how much a Progressive car insurance policy will cost, you can get a quote using the tool on its website. It takes about two minutes to get an estimate, and you can adjust your coverage levels to see how much the quote is affected.

Liberty Mutual Car Insurance Quote Tools in New York

Liberty Mutual has an online quote tool, and the process of getting a quote takes approximately two minutes to complete. The tool lets you edit your coverage levels, updating the price in real time.

Travelers Car Insurance Quote Tools in New York

Traveler’s online quote tool takes about two minutes to use. You can edit the coverage level of your initial quote to see how much the price will change.

USAA Car Insurance Quote Tools in New York

USAA has an online quote tool on its website. However, you need to call the contact number provided on the website so a representative can give you a personalized quote.

New York Central Mutual Fire Car Insurance Quote Tools in New York

We were unable to obtain a quote from New York Central Mutual Fire with its online quote tool. The process to get a free quote on its website usually takes around three minutes to complete; however, the tool doesn’t let you change your coverage levels after you receive your initial quote.

Nationwide Car Insurance Quote Tools in New York

Nationwide provides an online quote tool on its website, and the process to get an estimate takes an average of two minutes. The tool allows you to edit your coverage levels, with the price updating in real time.

National General Car Insurance Quote Tools in New York

National General has an online quote tool; however, you’ll need to speak to one of the insurer’s local agents to get a personalized quote.

FAQ About Car Insurance Quotes in New York

Getting a car insurance quote doesn’t need to take too much of your time. To help you get started, MoneyGeek answers some frequently asked questions about getting car insurance quotes in New York.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.