Car Insurance in New York: How to Find the Policy That Fits You

In this guide, MoneyGeek provides analysis and solutions for all your car insurance needs in New York.

Find the Best or Cheapest Car Insurance in New York

MoneyGeek gathered and analyzed quotes to find the cheapest companies offering car insurance in New York. We also used our unique scoring system to determine which providers balance cost and customer service quality.

If you’re looking for overall costs, MoneyGeek calculated how much you should expect to pay for car insurance based on various factors, such as age, driving record and more. If you want to know why you’re paying high rates, we analyzed why car insurance is expensive in New York.

Our resources evaluated the best and cheapest car insurance in New York for certain types of drivers. The table below will provide a brief summary of what you can expect. Note that all the recommendations in this guide are for full coverage unless stated otherwise.

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THE CHEAPEST CAR INSURANCE COMPANIES IN NEW YORK
  • Minimum liability: GEICO
  • Full coverage: GEICO
  • Drivers with a DUI: Progressive
  • After an accident: USAA
  • Drivers with a ticket: Erie
  • Drivers with bad credit: GEICO
  • Senior drivers: Erie
  • Student drivers: GEICO
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THE BEST CAR INSURANCE COMPANIES IN NEW YORK
  • Overall: State Farm
  • Customer Service: State Farm
  • On a Budget: State Farm
  • Poor Driving Record: State Farm
  • Military: USAA
  • Young Drivers: GEICO
  • New Cars: Allstate
  • Low-Mileage Drivers: Nationwide

Get a New York Car Insurance Quote

Quotes for car insurance in New York can vary by over $5,000 per year for the same driver across different providers. This is why it’s important to shop around and compare quotes if you want to save some money. Fortunately, getting a car insurance estimate from companies doesn’t always have to be time-consuming.

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Car Insurance Laws in New York

MoneyGeek has the resources you need to learn more about car insurance laws and requirements in New York. The state requires policyholders to at least have the following liability insurance, personal injury protection (PIP) and uninsured motorist coverages:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability
  • $50,000 personal injury protection coverage
  • $25,000 bodily injury per person (uninsured motorists)
  • $50,000 bodily injury per accident (uninsured motorists)

It’s important to know how much car insurance you should get. Since New York only mandates these low liability limits and doesn’t require comprehensive and collision insurance, a state-minimum policy may not be enough for your car insurance needs.

Specialty Car Insurance in New York

Sometimes, traditional car insurance is not the right choice to meet your specific needs. To help you find the policy best suited for you, MoneyGeek explored alternative options for car insurance in New York. These include non-owner, temporary and low-income car insurance. Learn more about these unique insurance types below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

If you don’t own a car but need proof of insurance, non-owner car insurance in New York may be a good option.

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Temporary car insurance

If you only need to drive for a few months, you can get temporary car insurance in New York by buying a policy and canceling it early. Alternately, you can leverage rental car insurance.

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Car insurance for low-income drivers

New York doesn’t have a car insurance assistance program, but you can still save money by following MoneyGeek’s tips for low-income car insurance in New York.

About the Author


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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.