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Best Car Insurance in New York
Nationwide offers the best car insurance in New York, according to NerdWallet’s analysis.
Ryan Brady Lead Writer | Auto insurance, life insurance
Ryan Brady is a lead writer at NerdWallet and authority on car insurance and life insurance. Ryan enjoys unraveling complex insurance topics to help people make smarter financial decisions. His work has appeared in TechCrunch, MarketWatch, Yahoo, Nasdaq and more.
Before joining NerdWallet, Ryan was a senior writer and principal researcher at Gartner. He is based in Fort Myers, Florida.
Ben Moore Assistant Assigning Editor | Auto insurance
Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazine, and he has appeared on local broadcast television. He is based in Nashville, Tennessee.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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Finding the best car insurance in New York isn’t always easy. For a lot of people, picking a company can feel like throwing darts at a dart board with your eyes closed. That’s true whether you live in the heart of Manhattan or the tip of one of the Finger Lakes. Thankfully, we’ve done most of the legwork for you.
NerdWallet analyzed 24 insurance companies in the Empire State to help you find the best option. We split our top picks into four categories:
NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance in NY. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our analysis, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.
Why you can trust NerdWallet.
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.
Best car insurance in New York overall: Nationwide
Nationwide holds the highest overall score out of the 24 companies in New York we analyzed. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for New York drivers seeking a well-rounded insurance company.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Fewer than the expected number of complaints to state regulators.
Wide variety of options for customers who want to buy multiple products from one company.
Generous extras for loyal customers such as minor accident forgiveness, pet injury coverage and car key replacement.
Cons
Customer satisfaction for auto insurance is above average but still falls short of other large insurers, according to recent J.D. Power studies.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Fewer than the expected number of complaints to state regulators.
Wide variety of options for customers who want to buy multiple products from one company.
Generous extras for loyal customers such as minor accident forgiveness, pet injury coverage and car key replacement.
Cons
Customer satisfaction for auto insurance is above average but still falls short of other large insurers, according to recent J.D. Power studies.
Best car insurance in New York for your budget: Progressive
When it comes to the best car insurance for your wallet, Progressive comes out on top. According to our analysis, the average rate for full coverage car insurance from Progressive is $127 a month in New York. That’s the cheapest car insurance rate among our list of top-rated insurers. However, your own rate may be different.
For a more comprehensive list, check out NerdWallet’s analysis of cheap car insurance in New York, which includes the absolute cheapest companies.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Second-largest personal auto insurer in the country.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
Rideshare coverage available.
Cons
Below average rating for car insurance shopping and claims satisfaction from J.D. Power.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Second-largest personal auto insurer in the country.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
Rideshare coverage available.
Cons
Below average rating for car insurance shopping and claims satisfaction from J.D. Power.
Best car insurance in New York for customer satisfaction: State Farm
If you’re looking for the best car insurance company in New York for customer satisfaction, State Farm is hard to beat. It has a strong track record of providing a superior shopping experience
and ranks second for overall customer satisfaction on J.D. Power’s 2023 U.S. Auto Insurance Study, just behind New York Central Mutual, which isn’t included in our analysis.
State Farm offers tailored support through its large network of NY agents, which customers work with before purchasing a policy.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Customer satisfaction rating for buying auto insurance is better than average, according to J.D. Power.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Customer satisfaction rating for buying auto insurance is better than average, according to J.D. Power.
Best car insurance in New York for ease of use: State Farm
State Farm is the best car insurance company in New York for ease of use. Customers can navigate its easy to use website to view policy details and pay premiums. State Farm also offers a highly rated mobile app where users can access ID cards, file a claim, connect with an agent and more. Tech-savvy customers can even access their policy information and perform other tasks through an Amazon Alexa device.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Customer satisfaction rating for buying auto insurance is better than average, according to J.D. Power.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Numerous discounts offered, including two programs — one for safe driving and the other for young drivers.
Generous rental car and travel expenses coverage.
Customer satisfaction rating for buying auto insurance is better than average, according to J.D. Power.
If you’re looking for even more options, NerdWallet analyzed 24 car insurers to find the best car insurance companies in New York. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
Plymouth Rock
4.5
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
*USAA is only available to military, veterans and their families.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Average rates methodology
For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations.
This analysis included 19 insurance companies in New York. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
These are rates generated through Quadrant Information Services. Your own rates will be different.
