Auto Insurance in New York

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New York state is known for the city that bears its name, but it’s far more diverse than the Big Apple; in fact, the state has beautiful national parks and the American side of Niagara Falls as part of its claim to natural beauty. New York is known as a pricier state in which to reside, and the average auto insurance premiums of $2,093 reflect this cost, putting it close to twice the national average. However, reasonable premiums start to crop up the further you are from major New York cities.

New York

Population: 19,746,227
New York
$2,093
US Average
$1,669

New York holds the fourth-highest population in the United States, with over 8 million people living in New York City alone. New York offers many regions, from coastal to mountainous, which result in significant weather events. Severe blizzards and tropical storm damage are the major weather threats in the state, which also helps drive premiums up each year.

New York Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$10k
per accident

North Carolina requires a minimum of $30,000 in personal injury protection (PIP) insurance, $60,000 in accident coverage, and an additional $25,000 in property damage protection (PDP) coverage. While this coverage is higher than what many states require, it still doesn’t meet the recommended industry standard. Experts say that you should maintain at least $50,000 in personal injury protection insurance, and an additional $100,000 of accident coverage, known as the 50/100 plan.

New York’s minimum liability numbers for auto insurance are 25/50/10: $25,000 per person, $50,000 per accident, and $10,000 for property damage. This is half of the recommended auto insurance liability, which equals $50,000 per person, $100,000 per accident, and $50,000 for property damage, commonly called a 50/100 plan. Although you may believe the 50/100 plan is excessive, you should in fact look at all costs associated with an accident; even the recommended plan could fall short of reality. If the damage exceeds your coverage limits, it comes straight out of your pocket.

In 2013, the typical car accident cost $3,231 in property damage and $15,443 for bodily injury. This liability is completely covered under New York minimum liability auto insurance and the recommended coverage. However, that number is only the average. If the accident totals an exotic car, sends multiple people to the hospital, or damages expensive property, even the recommended liability might not cover everything. A higher coverage plan, such as a 100/300, provides you with protection against going into debt because of a car accident.

Shop around when you approach auto insurance companies. Many companies have online quote forms, live chat, and contact numbers so you obtain quote information quickly. When you reach out to multiple companies, strike a balance between the lowest premium cost and a comfortable amount of coverage. You may have to reach out to large and small auto insurance companies, since the best rates don’t always come from well-known companies.

Cheapest Car Insurance in New York

Yearly Rate

  • $1,771
    GEICO
  • $1,360
    Travelers
  • $2,236
    State Farm
  • $2,512
    Allstate
  • $3,230
    Liberty Mutual

New York is an expensive state, and its residents don’t always have enough budgeted for the best coverage. These low-cost auto insurance companies fit the bill if the cheapest price is your primary concern; however, affordable insurance companies cost you in other ways.

For example, the customer service quality and accessibility may not be as good as more expensive companies. Another downside is when you run into problems getting your claims reimbursed. Many cheap auto insurance companies are larger auto insurance companies, who leverage their sheer scale to provide you with lower premium cost. However, this experience is not as personal as dealing with a local company that knows you by name.

Where is car insurance most affordable?

New York’s car insurance rates vary wildly depending on city in which you live.

The premiums range from nearly twice the national average to slightly under national average. In general, the farther away you are from New York City, the lower your premiums will be each year.

No matter where you’re buying car insurance in New York, get several quotes for comparison before you make your final purchase decision. You aren’t automatically stuck with an expensive plan, even if you live near more expensive areas like Hempstead and Mount Vernon.

Albany Auto Insurance

Population: 98,658
Albany
$1,151
New York
$2,093

Albany, the state capital of New York, is home to over 98,000 people. It has several universities and many state agencies, with a quiet town vibe compared to other major New York population centers. It’s also known for its stunning historical architecture and numerous parks. Albany’s average auto insurance premium is less than half of the state’s average, making this one of the least expensive places to insure a car in New York.

Buffalo Auto Insurance

Population: 258,959
Buffalo
$1,655
New York
$2,093

Buffalo, on Lake Erie, has a population reaching over 258,000, placing it second behind New York City. Buffalo is growing quickly thanks to its strong economy, and it’s also one of the most affordable cities in the state. Many people come to Buffalo to enjoy its food scene, which spawned the famous buffalo wings enjoyed across the country. Car insurance is less expensive than the state average, contributing to an affordable cost of living.

Hempstead Auto Insurance

Population: 56,554
Hempstead
$2,394
New York
$2,093

Hempstead, a small, scenic town home to over 56,000 people, is located on the waterfront in Nassau County. Its state parks and outdoor recreational land are beautiful, and its

Mount Vernon Auto Insurance

Population: 68,381
Mount Vernon
$2,111
New York
$2,093

Mount Vernon is a small city with over 68,000 residents, and it’s located between New York City and the Bronx. Its convenient location has spurred its economic development, making Mount Vernon one of the fastest-growing cities in the state. Its architecture represents two major styles, with half the city using suburban design and the other half taking its influence from big city home design. Mount Vernon auto insurance is slightly above the state average premium.

New Rochelle Auto Insurance

Population: 79,182
New Rochelle
$1,731
New York
$2,093

New Rochelle, located in Long Island, is home to over 79,000 residents. It’s far enough outside New York City to provide a comfortable, family-friendly environment, while still allowing full access to NYC amenities. This city promotes a walkable design, which reduces the amount of cars on the road. Due to its location and lower accident risk, car insurance premiums are less than the state average.

New York Auto Insurance

Population: 8,336,697
New York
$2,599
New York
$2,093

New York City, with a population reaching over 8,336,000, is one of the most populated areas in the United States. Its arts, culture, food scene, and shopping districts, some of the best in the world, are contained in a relatively small area; many residents use taxis and the subway to get around town. Car insurance rates are higher than the state average, since drivers face major accident risks trying to navigate around crowded streets.

Niagara Falls Auto Insurance

Population: 55,593
Niagara Falls
$1,334
New York
$2,093

Niagara Falls, home to over 55,000 people, has one of the most well-known waterfalls. While this city doesn’t have a large resident population, it does have a significant amount of tourist activity throughout the year. However, despite the tourist-heavy seasons, the auto insurance rates for Niagara Falls are lower than the state average.

Rochester Auto Insurance

Population: 210,773
Rochester
$1,129
New York
$2,093

Rochester, located on the western side of New York, is considered one of the most livable cities in the country. It provides an excellent balance of culture along with a smaller city feel, with a population over 210,000. Rochester is the third-largest city in New York, but its location and overall cost of living set the auto insurance rates at half of the state average.

Schenectady Auto Insurance

Population: 61,821
Schenectady
$1,164
New York
$2,093

Schenectady has a long history dating back to the 17th century, when it was founded on the Mohawk River. Today, this town has over 82,000 people and is the future home of a major casino and waterfront revitalization project. Auto insurance in Schenectady is inexpensive compared to the state average, approximately half as much.

Syracuse Auto Insurance

Population: 144,306
Syracuse
$1,219
New York
$2,093

Syracuse ranks fifth in New York, with a population over 144,000. It’s often considered the educational center of the state, and it’s home to several major convention complex and expo centers; the Great New York State Fair is a well-known event in this area. Syracuse auto insurance premiums are almost half the state average, making it incredibly affordable for residents.

Utica Auto Insurance

Population: 60,651
Utica
$1,291
New York
$2,093

Utica is a smaller city in New York, with a population over 60,000; it’s one of the lowest cost of living areas in the state. Utica has a diverse population and heritage, creating a melting pot culture which plays out significantly in the food scene. Auto insurance costs in Utica are less than the state average.

White Plains Auto Insurance

Population: 53,077
White Plains
$1,733
New York
$2,093

White Plains, with over 53,000 residents, is a favorite for Manhattan commuters who don’t want to live in New York City. It’s one of the most affluent areas in New York, thanks to numerous corporate headquarters, well-known shopping districts, and arts programs. The cost of living in this area is high due to its location, and the auto insurance reflects the overall higher cost of living at just less than the state average.

Yonkers Auto Insurance

Population: 199,086
Yonkers
$2,098
New York
$2,093

Yonkers is a larger city on the banks of the Hudson River, with a population over 199,000. It’s well known for its extensive shopping districts, which make up significant portions of the city; it also employs heavy mass transit usage, which reduces the cars on the road. However, this does not greatly impact the car insurance cost, which equals the state average.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.