Car Insurance for New York City in 2022

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Drivers in New York City pay an average of $3,414 per year for car insurance, but you might find cheaper coverage if you shop around.

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If you’re looking for cheap car insurance in New York City, New York, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in New York City — or anywhere.

To find the cheapest companies in New York City, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in New York City driving a 2019 Toyota Camry L.

Read on to find out how auto insurance companies in New York City stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

Cheapest car insurance companies in New York City

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In New York City, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
Main Street America$1,269Not yet rated
Erie$2,326
NerdWallet rating 

4.0

/5
Geico$2,434
NerdWallet rating 

4.5

/5
Progressive$2,503
NerdWallet rating 

5.0

/5
State Farm$2,591
NerdWallet rating 

5.0

/5
USAA$3,012
NerdWallet rating 

4.0

/5
Chubb$3,336
NerdWallet rating 

4.5

/5
Allstate$3,703
NerdWallet rating 

4.5

/5
Encompass$4,183
NerdWallet rating 

3.5

/5
Utica National$5,163Not yet rated
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Average car insurance cost in New York City and New York

Rates across New York differ from those in New York City for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in New York is $2,006, while in New York City, it's $3,414.

Average city rate
Average state rate
$3,414$2,006

Average cost of car insurance in New York City’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in New York City and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP Code
Average Rate
10002$3,422
10003$3,409
10009$3,341
10016$3,320
10023$3,305
10024$3,324
10025$2,965
10027$3,247
10029$3,383
10128$3,166

Cheap car insurance in New York City by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in New York City for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in New York City pay, on average.

Company
Rate
NerdWallet Rating
Main Street America$2,649Not yet rated
Erie$4,070
NerdWallet rating 

4.0

/5
Geico$4,075
NerdWallet rating 

4.5

/5
Progressive$4,422
NerdWallet rating 

5.0

/5
State Farm$4,994
NerdWallet rating 

5.0

/5
USAA$5,671
NerdWallet rating 

4.0

/5
Chubb$6,379
NerdWallet rating 

4.5

/5
Allstate$6,816
NerdWallet rating 

4.5

/5
Encompass$8,827
NerdWallet rating 

3.5

/5
Utica National$9,085Not yet rated

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in New York City, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
Main Street America$1,269Not yet rated
Erie$2,326
NerdWallet rating 

4.0

/5
Geico$2,434
NerdWallet rating 

4.5

/5
Progressive$2,503
NerdWallet rating 

5.0

/5
State Farm$2,591
NerdWallet rating 

5.0

/5
USAA$3,012
NerdWallet rating 

4.0

/5
Chubb$3,336
NerdWallet rating 

4.5

/5
Allstate$3,703
NerdWallet rating 

4.5

/5
Encompass$4,183
NerdWallet rating 

3.5

/5
Utica National$5,163Not yet rated

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in New York City, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Main Street America$1,320Not yet rated
Erie$2,132
NerdWallet rating 

4.0

/5
Progressive$2,194
NerdWallet rating 

5.0

/5
State Farm$2,322
NerdWallet rating 

5.0

/5
Geico$2,417
NerdWallet rating 

4.5

/5
USAA$2,660
NerdWallet rating 

4.0

/5
Chubb$2,871
NerdWallet rating 

4.5

/5
Allstate$3,529
NerdWallet rating 

4.5

/5
Encompass$3,674
NerdWallet rating 

3.5

/5
Utica National$4,374Not yet rated
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New York City’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in New York City by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in New York City according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Main Street America$1,269Not yet rated
Erie$2,326
NerdWallet rating 

4.0

/5
Geico$2,434
NerdWallet rating 

4.5

/5
Progressive$2,503
NerdWallet rating 

5.0

/5
State Farm$2,591
NerdWallet rating 

5.0

/5
USAA$3,012
NerdWallet rating 

4.0

/5
Chubb$3,336
NerdWallet rating 

4.5

/5
Allstate$3,703
NerdWallet rating 

4.5

/5
Encompass$4,183
NerdWallet rating 

3.5

/5
Utica National$5,163Not yet rated

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in New York City according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Main Street America$1,602Not yet rated
Progressive$2,578
NerdWallet rating 

5.0

/5
Erie$4,231
NerdWallet rating 

4.0

/5
USAA$4,312
NerdWallet rating 

4.0

/5
State Farm$4,438
NerdWallet rating 

5.0

/5
Allstate$5,162
NerdWallet rating 

4.5

/5
Geico$5,316
NerdWallet rating 

4.5

/5
Chubb$7,213
NerdWallet rating 

4.5

/5
Encompass$7,361
NerdWallet rating 

3.5

/5
Kemper$7,669
NerdWallet rating 

3.0

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in New York City, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Main Street America$1,673Not yet rated
Progressive$3,340
NerdWallet rating 

5.0

/5
Geico$3,470
NerdWallet rating 

4.5

/5
Erie$3,522
NerdWallet rating 

4.0

/5
State Farm$3,550
NerdWallet rating 

5.0

/5
USAA$3,854
NerdWallet rating 

4.0

/5
Allstate$4,983
NerdWallet rating 

4.5

/5
Chubb$5,183
NerdWallet rating 

4.5

/5
Encompass$6,030
NerdWallet rating 

3.5

/5
Utica National$6,260Not yet rated
with Insure.com

See what you could save on car insurance

Easily compare personalized rates to see how much switching car insurance could save you.

Shop around to get cheap insurance

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates in the city for single male and female drivers with good credit and no tickets or violations. The analysis included 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 made available.

We used a 35-year-old driver (unless a different age is stated) and a 2019 Toyota Camry L and assumed 12,000 annual miles driven.

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.

Where required by law, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

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.

  • 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.

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