The best and cheapest car insurance in New York City

The cheapest car insurance in New York City is Main Street America, which offers coverage for $133 per month.

Gianetta PalmerAndrew Hurst

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

&Andrew Hurst

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Updated|4 min read

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Main Street America, which is a part of American Family, is the cheapest car insurance company in New York City at $133 per month. That makes Main Street America's rates 67% cheaper than average — big savings in one of the most expensive cities for auto insurance.

After Main Street America, the cheapest car insurance companies in New York City are Progressive, GEICO, USAA, and State Farm.

Company

Average cost

Main Street America

$133/month

Progressive

$143/month

GEICO

$167/month

USAA

$208/month

State Farm

$237/month

Cheapest car insurance companies in New York City, NY

Car insurance rates are different for everyone. Personal details like the car you drive, the amount of coverage needed, and even whether you’re single or married impacts your rates.

To save money on car insurance, it’s always a good idea to compare quotes and pick the coverage that works best for your insurance needs. Here are the best (and cheapest) car insurance companies in New York City.

Main Street America

Main Street America logo

Part of the American Family group of companies, Main Street America offers cheaper-than-average rates wherever it’s available. Drivers can also choose from lots of coverage add-ons for more protection.

Pros

  • Lower-than-average rates

  • Offers affordable coverage to high-risk drivers

  • Receives fewer complaints than average for its service

  • Plenty of available endorsements for more-than-basic coverage

  • Lots of discounts to help drivers save

Cons

  • Coverage isn’t available in every state

At an average of $133 per month for a full-coverage policy, Main Street America has the lowest rates for car insurance in New York City. Coverage from Main Street America costs $269 less each month than average in the state — that’s a difference of $3,223 each year. Plus, Main Street America offers affordable coverage for New York City drivers who have an accident, DUI, or speeding ticket.

Progressive

4.1

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Progressive logo

Progressive usually offers rates that are around (or cheaper than) average. But drivers with a past driving violation may find that Progressive offers better rates than other companies. Its number of coverage add-ons also sets Progressive apart.

Pros

  • Rates tend to be around average compared to other companies

  • Lots of useful endorsements to upgrade a basic policy

  • Wide range of discounts to help save money

  • Affordable policies for high-risk and newly-licensed drivers

Cons

  • Mixed reputation for customer service

You can also get cheap car insurance in New York City from Progressive, at $143 per month for a full-coverage policy. With coverage that’s $259 cheaper each month than the city-average, along with a sizable list of discounts, perks, and coverage options, Progressive is one of the best choices for car insurance in New York City.

GEICO

4.6

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

GEICO logo

GEICO is nationally available and often has some of the cheapest rates. GEICO gets fewer service complaints than average, even though claims satisfaction can be mixed. Drivers can also customize their car insurance from GEICO with a few useful add-ons.

Pros

  • Available in every state and the District of Columbia

  • Usually has some of the cheapest rates

  • Gets fewer complaints than expected for its service

  • Allows drivers to add different types of useful coverages to a basic policy

Cons

  • Mixed reputation for claims satisfaction

On average, GEICO has the third-cheapest car insurance in New York City at $2,004 per year for a full-coverage policy (that’s $167 a month). With GEICO’s long list of discounts, you could potentially save even more.

USAA

4

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

USAA logo

USAA is one of the most reliably cheap car insurance companies in the country. It also has a long-standing reputation for great customer service. Unlike other providers, USAA is only offered to drivers who are affiliated with the military.

Pros

  • Offers coverage in every state and the District of Columbia

  • Usually has some of the cheapest car insurance rates of any company

  • Drivers can use discounts to lower their rates

  • Consistently high customer satisfaction

Cons

  • Limited options for adding extra coverage

  • Only available to members of the military, veterans, and their families

USAA has cheap car insurance for military families living in New York City, whether they’re active-duty or retired. On average, USAA costs for $2,497 for a full-coverage policy, which is 48% less than average in the city.

State Farm

3.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

State Farm logo

As the country’s biggest car insurance company, State Farm makes it easy for drivers to get coverage, make claims, and stay in contact. Also, State Farm is one of the cheapest insurers for most drivers, and tends to have great customer service.

Pros

  • Coverage available in nearly every state (along with in-person offices)

  • Cheap car insurance, including for some high-risk drivers

  • Consistently high customer service ratings

  • Some discounts, especially for good drivers

Cons

  • Doesn’t offer as many coverage options as some competitors

Although State Farm is the fifth-cheapest car insurance company in New York City, the cost of coverage is still 41% cheaper than average — or $165 each month. Plus, good drivers in the city can save more with the company’s Drive Safe and Save program, which offers a discount to those who demonstrate safe driving habits during a short trial period.

Cheapest car insurance rates by ZIP code in New York City, NY

If you live in a neighborhood that has a higher crime rate, chances are you’re paying more for car insurance. ZIP codes are one of the biggest factors used to determine car insurance rates. The more crime and accidents in a given area, the more everyone pays.

Below are the average rates in ZIP codes across New York City.

ZIP code

Average cost

10001

$4,034

10002

$4,073

10003

$4,009

10004

$4,033

10005

$4,055

10006

$4,055

10007

$4,054

10009

$4,058

Choosing the right car insurance company in New York City, NY

With so many factors that determine car insurance price, it can be overwhelming to find a company that offers affordable protection and won’t let you down when you need it the most.

You want a company with experience and customer service that listens to your needs. When it’s time to file a claim, you expect your insurance company to make the process as seamless as possible.

At Policygenius, we can help you see quotes from top companies, so you can choose one that meets all your needs.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Car insurance rates for drivers with driving violations in New York City, NY

In NYC, a single ticket for racing could increase your rates by $1,800 over three years, and other violations, like a DUI or a hit-and-run, can increase your rates even more.

Below are the average car insurance rates for drivers in New York City with speeding tickets or other moving violations on their driving record.

Violation

Main Street America

Progressive

GEICO

USAA

State Farm

At-fault accident

$2,260

$2,799

$3,117

$3,330

$3,488

DUI

$2,173

$1,830

$5,952

$3,743

$3,189

Suspended license

$2,173

$2,524

$4,133

$3,366

$3,189

Open container

$2,173

$1,808

$2,122

$2,668

$3,189

Expired registration

$1,763

$1,808

$1,921

$2,882

$3,189

Driving without lights

$1,763

$1,808

$2,122

$2,668

$3,189

Not showing documents

$1,763

$1,808

$1,921

$2,882

$3,189

Running a red light

$1,763

$1,808

$2,122

$2,882

$3,189

Failure to yield

$1,763

$1,808

$2,122

$2,882

$3,189

Following too closely

$1,763

$1,808

$2,122

$2,882

$3,189

Hit and run

$2,173

$2,524

$5,952

$3,743

$3,189

Illegal turn

$1,763

$1,808

$2,122

$2,882

$3,189

Improper passing

$1,763

$1,808

$2,122

$2,882

$3,189

Not-at-fault accident

$1,686

$1,744

$2,020

$2,882

$2,889

Passing a school bus

$2,173

$1,808

$2,122

$2,882

$3,189

Racing

$2,173

$2,524

$4,574

$3,743

$3,189

Reckless driving

$2,173

$2,524

$4,133

$2,668

$3,189

Speeding

$2,173

$2,087

$3,117

$2,990

$3,189

Cheapest car insurance for drivers with bad credit in New York City, NY

A bad credit score can affect your life in many ways. Not only is it harder to get credit, but your car insurance raise can also go up because insurance companies use your credit score to determine what you pay for insurance.

Below are the cheapest rates in New York City for drivers with bad credit.

Company

Rates for drivers with bad credit

GEICO

$2,468

Chubb

$4,709

USAA

$5,157

Utica National

$5,568

State Farm

$6,131

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Buying car insurance in New York City, NY

The law in New York says drivers must have the following minimum liability insurance requirements:

  • $10,000 for property damage for a single accident

  • $25,000 for bodily injury and $50,000 for death for a person involved in an accident

  • $50,000 for bodily injury and $100,000 for death for two or more people in an accident

  • Have continuous coverage on a vehicle even if it is inoperable or not being driven.

  • The insurance must be issued by a company licensed by the New York State Department of Financial Services and certified by the NY State DMV.

The state of New York is a no-fault state, which means that your insurance provider must pay your medical bills after an accident whether you caused the wreck or not. 

State minimum insurance requirements vary by state, but because they only offer basic protection, your vehicle might not be covered if you’re in an accident.

To better protect yourself and your property before an accident, it’s a good idea to add more coverage such as comprehensive or collision insurance to help defer out-of-pocket expenses.

How to get cheap car insurance in New York City, NY

New York City drivers pay some of the most expensive rates in the country, but there are ways to save:

  • Safe driver discount - A discount for drivers without moving violations or accidents on their driving record.

  • Bundling - Combining your car and home insurance policies is a great way to save money on your premiums.

  • Low mileage discount - NYC drivers pay higher rates, but their commutes are shorter.

  • Military discount - Typically, military service members and their family members can get a reduced rate on car insurance.

There are other discounts available, ask your insurance company which of them may apply to you.

Compare rates and shop affordable car insurance today

We don't sell your information to third parties.

Looking for home insurance? Find the best homeowners insurance in New York City

Frequently asked questions

Who has the cheapest car insurance in New York City?

According to our research, Main Street America has the lowest rates in the city, at $1,599 per year for full coverage. But insurance rates vary from driver-to-driver, so shop around to find the cheapest rates for you.

How much is car insurance in New York City monthly?

The average monthly cost of car insurance in New York City is $402 for full coverage. That's more than the average cost in the state of New York.

Is car insurance in New York City expensive?

The average cost of car insurance in New York City make it one of the most expensive places to get covered in the entire country. This is due to the city's heavily populated roads, which lead to more claims and higher expenses over time.

Do you need full coverage in New York City?

While New York doesn't require you to get full-coverage car insurance, your lender or lessor probably will. Also, it's a good idea to get fully covered even if it's not required. While it's expensive, it's the best way to avoid paying for damage yourself after an accident.

Methodology

Policygenius found the cheapest car insurance companies in New York City by analyzing rates provided by Quadrant Information Services. The rates we analyzed were from for every ZIP code in all 50 states plus Washington, D.C and were for the following limits:

  • Bodily injury liability: $50,000 per person, $100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Freelance contributor

Gianetta Palmer

Freelance contributor

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Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Senior Editor & Licensed Auto Insurance Expert

Andrew Hurst

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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