Best Auto Insurance in New York (2025)
Compare top-rated auto insurance companies in New York. Find affordable coverage that meets NY state requirements and save up to 40% on your premium.
$2,198
Avg. Annual Premium
25/50/10
Minimum Coverage
New York City
Largest City
19.5 million
Population
New York Auto Insurance Requirements
New York is a no-fault state requiring $50,000 in PIP coverage, contributing to higher premiums.
Minimum Liability Coverage: 25/50/10
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in New York
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in New York can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in New York use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
New York Auto Insurance FAQs
What is the minimum auto insurance required in New York?
New York requires minimum liability coverage of 25/50/10 (bodily injury per person/per accident/property damage). New York is a no-fault state requiring $50,000 in PIP coverage, contributing to higher premiums.
How much does car insurance cost in New York?
The average annual car insurance premium in New York is $2,198. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in New York?
Key factors affecting New York auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in New York City typically pay more than those in rural areas.
How can I find cheap car insurance in New York?
To find affordable car insurance in New York: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free New York Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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