Cheapest Car Insurance in New York State for 2025
Quick Answer
The cheapest car insurance in New York state is GEICO’s minimum coverage policy, costing an average of $5,485 annually or $457 per month. The cheapest full coverage car insurance in New York state is also from GEICO and costs $5,622 annually or $468 per month on average. However, your driving record, annual mileage, age and other factors can all affect the cost of car insurance in New York state.
The cheapest car insurance in New York state is GEICO's minimum coverage policy, at an average of $5,485 annually or $457 per month, according to Experian data from January 2025 and based on policies quoted through our automotive insurance marketplace.
The cheapest full coverage car insurance in New York state is offered by Progressive and costs $5,622 annually or $468 per month.
Purchasing minimum coverage car insurance in New York provides enough protection to meet the state's basic requirements for carrying liability insurance. If you'd prefer more protection, you can buy full coverage car insurance, which includes comprehensive and collision coverage. If your vehicle is leased or financed, you are usually required to carry full coverage car insurance until your vehicle is paid off or your lease term ends.
Whether you're shopping for minimum coverage or full coverage, the price you'll pay for car insurance may vary depending on several factors:
- Your age (younger drivers typically pay more for car insurance)
- Your driving record (incidents and violations usually increase your rates)
- Your annual mileage (driving more can mean higher rates)
- The type and amount of coverage you buy
Although our data on the cheapest car insurance in New York state can offer a good general benchmark, your premiums may be higher or lower. Before buying an auto insurance policy, take some time to compare insurance quotes from several different insurance companies.
Cheapest Minimum Coverage Car Insurance in New York State
Most states require drivers to carry a minimum amount of liability coverage; the specific amounts vary from one state to another. Liability coverage includes bodily injury liability, which helps to pay the cost if you injure someone in an accident, and property damage liability, which covers damages you cause to another person's vehicle or property.
Drivers in New York state must carry minimum liability insurance of:
- $10,000 per accident for property damage
- $25,000 per person and $50,000 per accident for bodily injury
- $50,000 personal injury protection per accident
- $25,000 per person in bodily injury uninsured/underinsured motorist coverage
You could keep your car insurance costs down by purchasing only the minimum liability insurance. However, even though New York state has fairly high minimum coverage requirements compared to many states, minimum coverage alone might not offer enough protection in case of an accident.
Insurance professionals usually advise buying coverage of at least $100,000 per person and $300,000 per accident for bodily injuries and $100,000 for property damage.
Learn more: How Much Car Insurance Do I Need?
The table below shows the carriers offering the cheapest minimum coverage auto insurance policies in New York state.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| GEICO | $5,485 | $457 |
| Progressive | $5,566 | $464 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
Cheapest Full Coverage Car Insurance in New York State
Purchasing full coverage car insurance adds comprehensive and collision coverage to your liability insurance. New York state doesn't require full coverage insurance, but most lenders or lessors require it for leased or financed vehicles.
- Collision coverage pays to repair or replace your car due to damage caused by a collision with another car, animal or object, such as your neighbor's fence.
- Comprehensive coverage pays to repair or replace your car due to damage caused by something other than driving, such as hail, vandalism or a falling tree branch.
Learn more: What Is Full Coverage Car Insurance?
The table below shows the carriers offering the cheapest full coverage auto insurance policies in New York state.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Progressive | $5,622 | $468 |
| GEICO | $6,327 | $527 |
Source: Experian data as of January 2025
Note: Costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Young Drivers in New York State
As every parent knows, buying car insurance for new drivers can be costly. Younger drivers typically pay higher car insurance premiums because they're statistically more likely to be involved in accidents, according to the Insurance Institute for Highway Safety (IIHS). Car insurance for teenage drivers costs $3,512 annually on average, according to 2025 Experian data.
In general, car insurance rates are highest for 16-year-olds and start to go down when the driver turns 25. Until then, putting your child on your auto insurance instead of a separate policy is generally the most affordable way to go. A teenager listed on your policy benefits from the lower premiums you may enjoy due to years of driving experience, homeownership or being married.
Looking for other ways to lower your teen driver's rates? Many insurance carriers offer discounts on car insurance for young drivers who maintain good grades, complete a safe driving course or attend college away from home without a car.
On the other hand, if your young driver racks up a lot of accidents or moving violations, your car insurance premiums will probably go up. In that case, you may save by purchasing separate coverage for your teen from an insurance provider focused on high-risk drivers.
The table below shows the insurance providers offering the cheapest full coverage car insurance in New York state for drivers ages 16 to 25.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| Progressive | $7,619 | $635 |
| GEICO | $10,374 | $864 |
Source: Experian data as of January 2025
Note: Young drivers include those ages 16 to 25; costs above represent insurance quotes, not policy premiums
Cheapest Car Insurance for Seniors in New York State
Car insurance rates typically decline as you get older and rack up more driving experience, but tend to start rising again around age 70. Drivers ages 70 and up have a higher rate of serious accidents; the potential for costly claims contributes to the higher premiums. It's still possible to find cheap car insurance for seniors, though, and some insurance companies even offer mature driver discounts once you're over a certain age.
The table below shows the auto insurance carriers offering the cheapest full coverage car insurance for seniors (age 65 and up) in New York state.
| Carrier | Annual Cost | Monthly Cost |
|---|---|---|
| GEICO | $3,817 | $318 |
| Progressive | $4,253 | $354 |
Source: Experian data as of January 2025
Note: Senior drivers include those ages 65 and up; costs above represent insurance quotes, not policy premiums
It's a good idea to reevaluate your car insurance needs as you get older and your driving habits evolve. For instance, after retiring, you'll probably be driving fewer miles than during your working years. This could save you money if you can qualify you for a low-mileage auto insurance policy. You might also earn a car insurance discount for being a retired military service member, completing an approved driver safety course or going accident-free for a certain number of years.
Learn more: How to Buy Car Insurance as a Senior
Car Insurance for Prior Incidents in New York State
Safe drivers are less likely to get into accidents or receive traffic citations; this can mean lower insurance premiums. Nationally, drivers with a clean driving history (no violations or incidents on their motor vehicle record) pay an average of $2,138 annually for car insurance.
Insurance companies may consider you a high-risk driver if your motor vehicle history shows moving violations or accidents (even those where you weren't at fault). Your insurance carrier may raise your premiums to make up for this higher risk. A driving record showing several car accidents or serious infractions such as DUIs typically has a bigger impact on your auto insurance costs and might even cause your insurance company to cancel your policy.
Learn more: How to Get Affordable Car Insurance as a High-Risk Driver
Even without a pristine driving record, however, you can find affordable auto insurance. The table below shows the average cost of auto insurance in New York state for drivers with negative marks on their driving records. (Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.)
| Driving Record | Annual Cost |
|---|---|
| Clean Record | $2,759 |
| 1 Incident | $3,159 |
| 1 Violation | $3,245 |
| 2 Incidents | $3,047 |
| 2 Violations | $3,092 |
| 3+ Incidents | $3,964 |
| 3+ Violations | $4,010 |
Source: Experian data as of January 2025
Note: Costs above are a blended average of full and minimum coverage policies sold through Experian's marketplace
Minimum Required Coverage in New York State
New York state requires drivers to carry the following minimum liability coverage:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability per accident
- $25,000 bodily injury uninsured/underinsured motorist coverage per person
- $50,000 personal injury protection per accident
If you drive without car insurance in New York state, your vehicle registration and driver's license could be suspended or revoked. You could face fines of up to $1,500 and a civil penalty of $750 to get your license back.
How to Save Money on Car Insurance
Paying less for car insurance gives you more money to put toward your financial goals. Here are some ways to save on car insurance.
Increase Your Deductible
The deductible is the amount you're financially responsible for when you file a car insurance claim. You can typically choose from deductibles of $250 to $2,000 when you buy an auto policy. Increasing your deductible usually reduces your premiums.
Before increasing your deductible, however, make sure you could pay the higher amount if you had to file a claim. Evaluate the state of your emergency fund as well as your other financial resources. Your auto insurance carrier can explain how changing your deductible would impact your premiums.
Search for Discounts
Begin by checking with your current auto insurance provider to see if they offer any discounts you aren't already taking advantage of. Then visit other carriers' websites to see what discounts they offer.
Popular auto insurance discounts include savings for bundling home and auto insurance, eliminating paper statements, paying your premium upfront or setting up automatic premium payments. Many insurance companies offer discounts for getting your insurance quotes online or signing documents digitally when you buy your policy. It's also a good idea to check with your employer and any organizations you're a member of; they may offer discounts on car insurance, too.
Cut Out Extra Coverage
Some car insurance extras, such as rental car reimbursement, roadside assistance coverage or windshield replacement, are nice to have but not essential. You could lower your car insurance premiums by canceling coverage you don't need. For example, if your family owns several cars, purchasing insurance that pays for a rental car while yours is in the shop could be overkill.
If you own a paid-off vehicle that isn't worth very much, you may want to consider dropping collision and comprehensive coverage. At most, collision and comprehensive coverage only pay out the vehicle's value. It may not make financial sense to keep this coverage for a car that's worth only a few thousand dollars. However, make certain you could afford to replace or repair your vehicle without insurance if it were totaled.
Learn more: Top Car Insurance Discounts
Drive Less
The more time you spend on the road, the more likely you are to be involved in an auto accident. That's why many car insurance carriers offer discounts if you drive fewer than 12,000 miles per year. You can reduce your mileage by walking, carpooling or biking more often. You can also check into switching to remote work if your job allows it.
Low-mileage car insurance policies typically track your mileage using self-reported or third-party odometer readings or devices installed in your car. Another option is pay-per-mile car insurance, which charges a monthly base rate plus a per-mile charge for each additional mile.
Drive Safely
Maintaining a spotless driving record can help keep the cost of car insurance down. Make it a goal to go without traffic citations or accidents. You can save money by brushing up on traffic rules if your insurance carrier gives discounts for completing defensive driving or safe driving courses.
Improve Your Credit
New York state allows insurance companies to review your credit-based insurance score when setting your rates. Having a poor score could mean paying more for auto insurance. Taking steps to improve your consumer credit score could positively impact your credit-based insurance score, which may help save you money on car insurance.
Shop Around
Each insurance carrier uses its own criteria when setting your rates, so the price you're quoted may differ quite a bit from one insurance company to another. Comparing quotes from several different insurers could help you find lower prices on auto insurance. Make it a habit to shop around with different insurance companies at least once a year or whenever your current policy is approaching its renewal date.
You can get auto insurance quotes at insurance company websites or by contacting insurers directly. If you'd like a more convenient way to explore your options, check out Experian's free car insurance comparison tool. It collects car insurance quotes from multiple top insurance companies in New York state, making it easy to see at a glance which company offers the lowest rates.
Cheapest Car Insurance by State
Methodology
This analysis is based on a review of auto insurance policies and quotes provided through Experian's insurance marketplace. Policy premium and quote averages are based on driver data across all genders and ages unless otherwise noted.
Experian's insurance marketplace matches users with auto insurance coverage from more than 30 carriers across 50 states and Washington, D.C.
Don’t overpay for auto insurance
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About the author
Karen Axelton
Karen Axelton specializes in writing about business and entrepreneurship. She has created content for companies including American Express, Bank of America, MetLife, Amazon, Cox Media, Intel, Intuit, Microsoft and Xerox.
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