Cheapest Car Insurance in New York for 2026

Cheapest Overall: Progressive and NYCM
Cheapest for Teens and Young Adults: NYCM and Progressive
Cheapest for Seniors: NYCM
Cheapest After a Speeding Ticket: Progressive
Cheapest After a Texting While Driving Ticket: Progressive
Cheapest After an At-fault Accident: Progressive
Cheapest After a DUI: Progressive
Cheapest for Drivers With Poor Credit: Erie

Progressive’s rate of $56 monthly is the lowest price for full coverage auto insurance in our analysis of the New York market. NYCM is the second cheapest at $58 per month. For liability-only coverage, NYCM’s monthly rate of $25 is the lowest, followed by Progressive at $30. These rates are below the statewide average of $108 for full coverage and $57 for minimum coverage.

NYCM has the lowest rates for drivers of both genders aged 16-22. Young adults from age 23-25 may find the best rates with Progressive. Families with a young driver in their household are encouraged to shop around because drivers in this age group are generally more expensive to insure due to their limited driving experience.

Seniors in the Empire State have several good options for car insurance. NYCM is the cheapest at $60 per month, but Kemper and Progressive have nearly identical rates at $61 monthly. Kemper did have the lowest customer experience score in our analysis, a 1.98 out of 5 — compared to Progressive’s 3.9 and NYCM’s 3.58.

Progressive has the cheapest rates for drivers with one of the four primary violations on their record: a speeding ticket, texting while driving (which often falls under the distracted driving category), an at-fault accident and a DUI. New York does not require an SR-22 or an FR-44 for any driving violation. Insurers operating in the state can apply a rate increase for at-fault violations for up to three years. The duration of rate increases for DUIs varies per insurer – some impose surcharges for longer than 10 years, while others remove them sooner.

Drivers in New York with poor credit may find the lowest car insurance rate with Erie, which averages $113 per month per our data – which is about double the rate of a driver with a good credit history and a clean driving record.

NYCM offers the lowest rates for minimum coverage in most of the Empire State’s largest cities. The exceptions are Yonkers and New York City, which feature Kemper as the least expensive carrier at this coverage level.

New York law requires drivers to carry the following coverages, also called liability-only:  

• $25,000 for bodily injury for one person involved in a crash and $50,000 coverage for two or more people
• $50,000 for the death of one person in a crash and $100,000 for the death of two or more people
• $10,000 for property damage in a crash

Those are the bare minimums that New York requires drivers to hold. In most circumstances, it’s recommended to raise those levels and consider coverages that provide further protection if you’re involved in a covered event:

• Collision: This pays to replace or repair your vehicle if you’re in an accident. It is required by lenders on financed vehicles.
• Comprehensive: This pays to replace or repair your vehicle if it’s stolen or damaged in something other than an accident, such as damage from animals and weather. Lenders require this as well.
• Medical payments coverage: Also known as MedPay, this covers medical bills if you’re in an accident, regardless of who is at fault.
• Personal injury protection: This coverage, also called PIP, covers medical bills, lost wages and other non-medical costs if you’re in an accident, regardless of fault. Insurers in New York include PIP in their policies, but drivers can opt out.

MoneyGeek analyzed rates from New York state filings across all residential ZIP codes in New York. The analysis covers all available car insurance companies for minimum and full coverage comparisons and violation profiles.

• Baseline driver profile: 40-year-old male, clean driving record, good credit, $100,000 per person/$300,000 per accident/$100,000 property damage full coverage, $1,000 deductible. All rates on this page reflect this profile unless the section specifies otherwise.
• Young drivers: Ages 16 through 25 on a family policy, split by gender. New York uses gender as a rating factor.
• Seniors: 65-year-old driver, same vehicle and coverage as the baseline.
• Violations: Baseline profile with one driving record variable changed; all other variables held constant.
• Poor credit: Baseline profile with credit tier changed to poor. New York permits credit as a rating factor, subject to New York Department of Financial Services regulations on credit-based insurance scoring.
• Coverage tier: Full coverage reflects $100,000/$300,000/$100,000 liability limits with a $1,000 deductible. Minimum coverage reflects New York's required minimums: $25,000 bodily injury per person, $50,000 per accident and $10,000 property damage, plus $50,000 Personal Injury Protection (PIP) and $25,000/$50,000 uninsured motorist coverage — all mandatory per NY DFS.
• USAA: Excluded from provider tables; available only to military, veterans and immediate family. Eligible drivers should include USAA in any quote comparison.
• Violation surcharge window: Speeding tickets, at-fault accidents and texting while driving typically affect rates for three years per the New York DMV surcharge schedule. DUI or DWAI convictions may carry longer surcharge periods under individual insurer underwriting guidelines — verify directly with your insurer.
• State-specific notes: New York is a no-fault state; PIP covers first-party medical costs up to $50,000 per person regardless of fault. New York does not use SR-22 or FR-44; a DUI or DWAI conviction triggers license revocation and a Driver Responsibility Assessment (DRA) fee over three years. Gender is a permitted rating factor.

See our full rate methodology.