The Cheapest Car Insurance in New York for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in New York for a variety of ages and driving histories.
Dec 22, 2021

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Car insurance in New York is some of the most expensive in the country. In fact, the state is the third-most-expensive for minimum coverage, on average, according to a recent NerdWallet analysis.

You’ll want to shop around and compare quotes from multiple insurers to find cheap car insurance in New York. But NerdWallet has done the hard part for you. Read on to see a breakdown of the cheapest companies for a variety of ages and driving histories, plus the minimum insurance requirements mandated while you’re on the road.

If you’re looking for affordable options in The Big Apple, check out the NerdWallet guide to the cheapest car insurance in New York City.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

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Cheapest car insurance company overall in New York

Main Street America

$86/month

Not yet rated.

Cheapest for minimum coverage

Main Street America

$47/month

Not yet rated.

Cheapest for young drivers

Main Street America

$165/month

Not yet rated.

Cheapest for drivers with poor credit

$86/month

4.5

NerdWallet rating 

The cost of car insurance in New York

The average cost of full coverage car insurance in New York is $2,020 per year, or about $168 per month, according to NerdWallet’s analysis. Minimum coverage in New York is $941 per year on average, but we found you can likely get a cheaper policy. For example, Main Street America offers the cheapest rates in New York at $569 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in New York

NerdWallet’s editorial team analyzed car insurance rates from 13 auto insurers in New York and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in New York. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in New York for 20-year-olds

Drivers in New York with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Main Street America: $1,983 per year, or about $165 per month.

  2. Progressive: $2,505 per year, or about $209 per month.

  3. Erie: $2,519 per year, or about $210 per month.

  4. Geico: $3,033 per year, or about $253 per month.

  5. Allstate: $3,955 per year, or about $330 per month.

Cheapest minimum coverage car insurance in New York for 20-year-olds

Drivers in New York who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Main Street America: $904 per year, or about $75 per month.

  2. Erie: $1,156 per year, or about $96 per month.

  3. Geico: $1,203 per year, or about $100 per month.

  4. Progressive: $1,291 per year, or about $108 per month.

  5. Preferred Mutual: $1,622 per year, or about $135 per month.

Cheapest auto insurance in New York for 20-year-olds with poor credit

Drivers with poor credit in New York should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $1,401 per year, or about $117 per month.

  2. Utica National: $1,633 per year, or about $136 per month.

  3. Chubb: $2,517 per year, or about $210 per month.

  4. Erie: $2,583 per year, or about $215 per month.

  5. Preferred Mutual: $2,665 per year, or about $222 per month.

Cheapest auto insurance in New York for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in New York, here are the companies with the lowest average rates for minimum coverage:

  1. Main Street America: $1,170 per year, or about $98 per month.

  2. Progressive: $1,477 per year, or about $123 per month.

  3. Geico: $1,533 per year, or about $128 per month.

  4. Erie: $1,666 per year, or about $139 per month.

  5. Utica National: $1,841 per year, or about $153 per month.

Cheapest auto insurance in New York for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Main Street America: $1,141 per year, or about $95 per month.

  2. Progressive: $1,315 per year, or about $110 per month.

  3. Erie: $1,979 per year, or about $165 per month.

  4. Allstate: $2,263 per year, or about $189 per month.

  5. Geico: $2,335 per year, or about $195 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in New York for 30-year-olds

Drivers in New York with clean driving records may get the lowest rates from these companies:

  1. Main Street America: $1,155 per year, or about $96 per month.

  2. Progressive: $1,451 per year, or about $121 per month.

  3. Erie: $1,523 per year, or about $127 per month.

  4. Preferred Mutual: $1,760 per year, or about $147 per month.

  5. Geico: $1,802 per year, or about $150 per month.

Cheapest minimum coverage car insurance in New York for 30-year-olds

Drivers in New York who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Main Street America: $618 per year, or about $52 per month.

  2. Utica National: $635 per year, or about $53 per month.

  3. Preferred Mutual: $649 per year, or about $54 per month.

  4. Erie: $677 per year, or about $56 per month.

  5. Geico: $720 per year, or about $60 per month.

Cheapest auto insurance in New York for 30-year-olds with poor credit

Drivers with poor credit in New York should consider the following companies with the lowest average rates for full coverage:

  1. Geico: $2,217 per year, or about $185 per month.

  2. Utica National: $2,427 per year, or about $202 per month.

  3. Erie: $3,063 per year, or about $255 per month.

  4. Chubb: $3,091 per year, or about $258 per month.

  5. Encompass: $3,358 per year, or about $280 per month.

Cheapest auto insurance in New York for 30-year-old drivers with one at-fault crash

For drivers in New York with a recent accident, here are the lowest average rate options for full coverage:

  1. Main Street America: $1,490 per year, or about $124 per month.

  2. Progressive: $1,913 per year, or about $159 per month.

  3. Erie: $2,303 per year, or about $192 per month.

  4. Preferred Mutual: $2,513 per year, or about $209 per month.

  5. Geico: $2,603 per year, or about $217 per month.

Cheapest auto insurance in New York for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Main Street America: $1,440 per year, or about $120 per month.

  2. Progressive: $1,492 per year, or about $124 per month.

  3. Erie: $2,771 per year, or about $231 per month.

  4. Allstate: $2,899 per year, or about $242 per month.

  5. Encompass: $3,463 per year, or about $289 per month.

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Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in New York for 40-year-olds

Drivers in New York with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Main Street America: $1,028 per year, or about $86 per month.

  2. Progressive: $1,389 per year, or about $116 per month.

  3. Erie: $1,439 per year, or about $120 per month.

  4. Preferred Mutual: $1,760 per year, or about $147 per month.

  5. Geico: $1,786 per year, or about $149 per month.

Cheapest minimum coverage car insurance in New York for 40-year-olds

Drivers in New York who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Main Street America: $572 per year, or about $48 per month.

  2. Utica National: $635 per year, or about $53 per month.

  3. Erie: $649 per year, or about $54 per month.

  4. Preferred Mutual: $649 per year, or about $54 per month.

  5. Geico: $716 per year, or about $60 per month.

Cheapest auto insurance in New York for 40-year-olds with poor credit

Drivers with poor credit in New York can check out the following insurers with the lowest average rates for full coverage:

  1. Geico: $2,202 per year, or about $184 per month.

  2. Utica National: $2,427 per year, or about $202 per month.

  3. Erie: $2,881 per year, or about $240 per month.

  4. Chubb: $2,932 per year, or about $244 per month.

  5. Preferred Mutual: $3,247 per year, or about $271 per month.

Cheapest auto insurance in New York for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in New York, here are the companies with the lowest average rates for full coverage:

  1. Main Street America: $1,330 per year, or about $111 per month.

  2. Progressive: $1,849 per year, or about $154 per month.

  3. Erie: $2,174 per year, or about $181 per month.

  4. Preferred Mutual: $2,513 per year, or about $209 per month.

  5. Geico: $2,581 per year, or about $215 per month.

Cheapest auto insurance in New York for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Main Street America: $1,268 per year, or about $106 per month.

  2. Progressive: $1,429 per year, or about $119 per month.

  3. Erie: $2,617 per year, or about $218 per month.

  4. Allstate: $2,899 per year, or about $242 per month.

  5. Encompass: $3,458 per year, or about $288 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in New York for 50-year-olds

Drivers in New York with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Main Street America: $1,026 per year, or about $86 per month.

  2. Progressive: $1,276 per year, or about $106 per month.

  3. Erie: $1,388 per year, or about $116 per month.

  4. Preferred Mutual: $1,448 per year, or about $121 per month.

  5. Geico: $1,796 per year, or about $150 per month.

Cheapest minimum coverage car insurance in New York for 50-year-olds

Drivers in New York who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Preferred Mutual: $539 per year, or about $45 per month.

  2. Utica National: $542 per year, or about $45 per month.

  3. Main Street America: $566 per year, or about $47 per month.

  4. Erie: $634 per year, or about $53 per month.

  5. Geico: $722 per year, or about $60 per month.

Cheapest auto insurance in New York for 50-year-olds with poor credit

Drivers with poor credit in New York can check with the following companies, which showed the lowest average rates for full coverage:

  1. Utica National: $2,032 per year, or about $169 per month.

  2. Geico: $2,222 per year, or about $185 per month.

  3. Erie: $2,773 per year, or about $231 per month.

  4. Preferred Mutual: $2,785 per year, or about $232 per month.

  5. Chubb: $2,867 per year, or about $239 per month.

Cheapest auto insurance in New York for 50-year-old drivers with one at-fault crash

For drivers living in New York with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Main Street America: $1,342 per year, or about $112 per month.

  2. Progressive: $1,792 per year, or about $149 per month.

  3. Erie: $2,097 per year, or about $175 per month.

  4. Preferred Mutual: $2,146 per year, or about $179 per month.

  5. Utica National: $2,504 per year, or about $209 per month.

Cheapest auto insurance in New York for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Main Street America: $1,265 per year, or about $105 per month.

  2. Progressive: $1,329 per year, or about $111 per month.

  3. Erie: $2,527 per year, or about $211 per month.

  4. Allstate: $2,993 per year, or about $249 per month.

  5. Encompass: $3,096 per year, or about $258 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in New York for 60-year-olds

Drivers in New York with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Main Street America: $1,048 per year, or about $87 per month.

  2. Progressive: $1,254 per year, or about $104 per month.

  3. Erie: $1,356 per year, or about $113 per month.

  4. Preferred Mutual: $1,448 per year, or about $121 per month.

  5. Geico: $1,805 per year, or about $150 per month.

Cheapest minimum coverage car insurance in New York for 60-year-olds

Drivers in New York who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Preferred Mutual: $539 per year, or about $45 per month.

  2. Utica National: $542 per year, or about $45 per month.

  3. Main Street America: $585 per year, or about $49 per month.

  4. Erie: $625 per year, or about $52 per month.

  5. Geico: $727 per year, or about $61 per month.

Cheapest auto insurance in New York for 60-year-olds with poor credit

Drivers with poor credit in New York can look at the following companies with the lowest average rates for full coverage:

  1. Utica National: $2,032 per year, or about $169 per month.

  2. Geico: $2,235 per year, or about $186 per month.

  3. Chubb: $2,516 per year, or about $210 per month.

  4. Erie: $2,704 per year, or about $225 per month.

  5. Preferred Mutual: $2,785 per year, or about $232 per month.

Cheapest auto insurance in New York for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in New York, here are the companies with the lowest average rates for full coverage:

  1. Main Street America: $1,392 per year, or about $116 per month.

  2. Progressive: $1,770 per year, or about $148 per month.

  3. Erie: $2,057 per year, or about $171 per month.

  4. Preferred Mutual: $2,146 per year, or about $179 per month.

  5. Utica National: $2,504 per year, or about $209 per month.

Cheapest auto insurance in New York for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Main Street America: $1,295 per year, or about $108 per month.

  2. Progressive: $1,306 per year, or about $109 per month.

  3. Erie: $2,487 per year, or about $207 per month.

  4. Allstate: $3,035 per year, or about $253 per month.

  5. Encompass: $3,035 per year, or about $253 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 26 of the 48 driver profiles we examined.

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Minimum auto insurance limits required in New York

New York auto insurance laws require car owners to carry liability insurance, personal injury protection (PIP) and uninsured motorist bodily injury coverage (UMBI).

The minimum coverage limits in New York are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $50,000 liability for death per person.

  • $100,000 liability for death per accident.

  • $10,000 property damage liability per accident.

  • $50,000 PIP.

  • $25,000 UMBI per person.

  • $50,000 UMBI per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:

  • Lost wages if you’re unable to work due to injuries from an accident.

  • Services you can no longer perform, like house cleaning or child care, because of your injuries.

  • Funeral costs if an accident-related injury leads to death.

  • A small death benefit as a cash payout.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

For the best financial protection, consider buying more than the bare minimum coverage. Any costs that surpass your coverage limits would have to come out of your own pocket, so with these minimums, a serious accident could easily leave you owing more than, say, $10,000 to repair another driver's car.

Alternative car insurance in New York

If car insurance companies are declining to offer you coverage due to DUIs, crashes or other factors, you could qualify for car insurance through the New York Automobile Insurance Plan (NYAIP).

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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