New York car insurance
Quickly compare quotes from top providers and find the best coverage for you. You could potentially save over $800β a year with our insurance marketplace.
Find out if you’re overpaying
We shop and compare quotes for you from over 30 top insurers.
Get notified when rates drop
Know when it’s a good time to shop and save with rate monitoring.
Learn how to improve your rate
See the factors impacting your rate or ability to get quotes.
βResults will vary and some may not see savings. Average savings of $828 per year for customers who switched and saved with Experian from Jan. 1, 2022 to Mar. 31, 2024. Savings based on customers’ self-reported prior premium. Experian offers insurance from a network of top-rated insurance companies through its licensed subsidiary, Gabi Personal Insurance Agency, Inc.
Compare rates from over 30 top insurers
New York car insurance quotes
Car insurance in New York costs $2,977 per year on average, which is 29% more than the national average. In 2024, the average cost of minimum coverage in New York was $2,672 and the cost of full coverage was $3,497.
| City | Average cost of car insurance per month |
|---|---|
| Buffalo | $263 |
| Rochester | $178 |
| Middletown | $225 |
| Syracuse | $209 |
| Albany | $195 |
| Schenectady | $191 |
| Poughkeepsie | $267 |
| New York | $397 |
New York car insurance requirements
Here’s a look at the minimum coverage amounts required by law in New York.
| Coverage | Minimum amount required by New York |
|---|---|
| Bodily injury coverage | $25,000 per person / $50,000 per accident |
| Property damage coverage | $10,000 per accident |
| Uninsured motorist bodily injury | $25,000 per person / $50,000 per accident |
| Personal injury protection | $50,000 per person |
While the minimum coverage amounts above satisfy New York’s auto insurance requirements, it’s typically a good idea to carry additional protection to make sure you’re adequately covered in an accident. Consider adding more coverage, including collision and comprehensive coverage, and increasing your policy limits.
How to save money on car insurance in New York
To save money and find the cheapest car insurance in New York, you can compare quotes, bundle your policies, increase your deductible and take advantage of discounts you may qualify for. Start by reviewing the most affordable insurance companies where you live.
| Insurer | Full coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| AAA Insurance | $364 | 25% more |
| Progressive | $469 | 61% more |
| GEICO | $527 | 81% more |
| Insurer | Minimum coverage (average cost per month) | Average savings per month (compared to state average) |
|---|---|---|
| GEICO | $457 | 105% more |
| Progressive | $464 | 108% more |
How it works
Just answer some questions about your current plan so we can match you to personalized quotes.
We’ll show you multiple offers from our top New York insurance carriers so you can choose the best one for you.
From switching your policy to canceling and requesting a partial refund on your old plan, we help you do it all.
Find your same coverage for less
You may be overpaying for auto insurance. We can help take the hassle out of shopping and find you better deal.
Compare rates
We actively monitor rates in our network to make sure you’re always getting our best deal.
Save time
There’s no need to visit other sites or fill out multiple forms—we do it all in one place.
Have peace of mind
Rest easy knowing you have the right price. Plus, we’ll keep shopping for you so you find the coverage you need.
Get potential savings
Let us find you a lower rate—you may even be able to get a partial refund on your previous plan.
Car insurance by state
Compare auto insurance by state and see state averages, including top cities and providers.