Get Affordable Auto Insurance In New York

How to Get Cheap Auto Insurance in New York

New York is one of the most expensive states for car insurance, with rates 78% higher than the national average. The average cost of full-coverage car insurance in New York is $343 per month or $4,112 per year, while minimum coverage costs $185 per month or $2,221 per year.

However, there are ways to save money on car insurance in New York. Comparing quotes from multiple providers, increasing your deductible, dropping unnecessary coverage and reducing your coverage limits can all help you find cheaper rates.

Cheapest Car Insurance Companies in New York

The cheapest car insurance companies in New York are:

- Progressive

- American Family

- USAA

- Travelers

- Geico

Cheapest Car Insurance Rates in New York

- Cheapest minimum liability car insurance: Progressive ($1,732 per year)

- Cheapest full-coverage car insurance: Progressive ($2,786 per year)

- Cheapest car insurance for young drivers: Geico

- Cheapest car insurance for seniors: Progressive

- Cheapest car insurance for bad credit: USAA (for military-affiliated drivers) or Geico

- Cheapest car insurance with a DUI: Progressive, American Family or USAA

- Cheapest car insurance with a recent accident: American Family

- Cheapest car insurance with a speeding ticket: American Family, Progressive or USAA

Cheapest car insurance for full coverage

Progressive is the cheapest car insurance company in New York for full coverage, with an average rate of $2,786 per year. This is 32% cheaper than the state average of $4,112 per year.

Other cheap car insurance companies for full coverage in New York include:

• American Family
• USAA
• Travelers
• Geico

Full coverage policies typically include the state's minimum requirements, plus collision and comprehensive coverage. These insurance types provide more robust financial protection in the event of an accident or another vehicle mishap like theft, vandalism, and weather-related damage.

Cheapest car insurance for drivers with poor credit

Poor credit can make it difficult to find affordable car insurance. In New York, drivers with poor credit pay an average of $4,494 per year for car insurance, compared to the statewide average of $1,808 per year. However, there are still some insurance companies that offer more affordable rates for drivers with poor credit. Here are some of the cheapest car insurance companies in New York for drivers with poor credit:

• Allstate: Allstate offers the cheapest rates for drivers with poor credit in New York, with an average annual rate of $1,631.
• Progressive: Progressive is the cheapest option for drivers with poor credit in New York who are also considered high-risk due to a DUI. Their average annual rate for drivers with a DUI is $973.
• USAA: USAA is a good option for military-affiliated drivers with poor credit. Their rates are not available to the general public, but they are known for offering affordable rates.
• Geico: Geico is the cheapest option for young drivers with poor credit in New York, with an average annual rate of $3,694.
• American Family: American Family offers affordable rates for teen drivers with poor credit in New York. Their average annual rate for a 17-year-old female driver with poor credit is $2,668.

Cheapest car insurance for young drivers

According to Bankrate, Geico is the cheapest car insurance option for young drivers aged 16 to 25 in New York. Progressive is the cheapest option for seniors in the state, while USAA is the cheapest for young drivers with bad credit.

The Zebra reports that young drivers in New York pay $5,003 per year for car insurance, which is 4% more than the national average. Progressive is the cheapest option for young drivers in the state, according to The Zebra.

US News also reports that Progressive is the cheapest option for young drivers in New York, with rates of $1,079 per year for unmarried female 25-year-old drivers and $1,161 for unmarried male 25-year-old drivers.

Cheapest car insurance for seniors

Car insurance rates in New York are already high, and they increase for senior drivers due to various factors. Senior drivers in New York can expect to pay an average of $2,156 for auto insurance, which is $558 more than the national rate for seniors.

Cheapest Car Insurance Companies for Seniors in New York

According to a 2022 analysis, Progressive provides the cheapest car insurance rate for senior drivers in New York at about $876 per year, or $73 per month. The average car insurance cost for a 60-year-old driver in New York is $1,911 per year for a full coverage policy.

Below are the cheapest, full-coverage car insurance rates in New York for drivers at various ages:

• Cheapest for seniors, overall: Progressive, $73 per month.
• Cheapest for seniors at age 60: Progressive, $62 per month.
• Cheapest for seniors at age 65: Progressive, $67 per month.
• Cheapest for seniors at age 70: Progressive, $75 per month.
• Cheapest for seniors at age 75: Progressive, $88 per month.

Tips for Seniors to Save on Car Insurance in New York

• Shop around: Shopping regularly for car insurance can ensure you have the best price.
• Raise your deductible: Increasing your deductible can save you money every month, but make sure you can afford the higher deductible in case of an accident.
• Ask about discounts: Discounts such as bundling with homeowners insurance, loyalty discounts, and discounts for years of being licensed can help lower your car insurance premiums.
• Take a senior driving course: Senior drivers can save up to 8% on their car insurance in New York by completing an approved defensive driving course.

Cheapest car insurance for drivers with a DUI

Progressive is the cheapest car insurance option for drivers with a DUI in New York, with an average rate of $973 per year. This is $1,586 cheaper than the statewide average of $2,559 per year.

USAA is another option for military-affiliated drivers with a DUI, with an average rate of $1,452 per year.

Frequently asked questions