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Cheap(er) car insurance providers in New York include Erie, USAA, and Travelers.
On average, full-coverage car insurance in New York costs $262 per month, while the national average is $186. However, what you'll actually pay depends on several factors, including your age, driving record, and exact location. The best way to find your best combination of cost and coverage is to get quotes from multiple insurance companies and compare them side by side.
Below, we break down the cheapest car insurance options in New York by coverage level, driver profile, and insurer.
Affordable full-coverage car insurance in New York
On average, full-coverage insurance in New York costs $262 per month, while the national average is $186. Erie, USAA, and Travelers are among the cheapest car insurance providers in the state.
| Average monthly full coverage cost | |
| New York average | $262 |
| National average | $186 |
| Erie | $202 |
| USAA | $210 |
| Travelers | $245 |
| CSAA | $273 |
Affordable liability-only car insurance in New York
Liberty Mutual, Erie, and USAA are some of the most affordable liability car insurance companies in New York.
The average monthly premium for liability-only coverage in New York is $190 per month, while the national average is $104.
| Average monthly liability-only cost | |
| New York average | $190 |
| National average | $104 |
| Liberty Mutual | $102 |
| Erie | $146 |
| USAA | $152 |
| Travelers | $176 |
Cheap Car Insurance in New York by age
In every state, insurance premiums can vary significantly depending on age. Car insurance for teens will typically have the highest rates, with policies averaging $434 per month in New York due to their lack of driving experience.
As drivers enter their 20s, rates begin to decrease, with policies averaging $329 per month. Rates continue to decrease for drivers when they reach their 30s and 40s, with costs around $289 and $276 per month, respectively.
However, premiums can rise again for drivers in their 60s and beyond. In New York, seniors pay an average of $187 per month in their 60s and $251 in their 70s.
This age-based fluctuation in premiums reflects the different risk levels associated with each age group. Younger drivers are considered higher risk, and older drivers sometimes face higher rates due to factors like health and driving habits.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $434 | $314 |
| 20s | $329 | $238 |
| 30s | $289 | $209 |
| 40s | $276 | $200 |
| 50s | $251 | $182 |
| 60s | $187 | $135 |
| 70s | $251 | $181 |
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Cheap car insurance in New York for high-risk drivers
Car insurance premiums are typically higher if you have a moving violation or accident on your record. Here are the average costs in New York for drivers with an accident, speeding ticket, or DUI on their record, based on rates for car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $375 | $271 |
| Speeding ticket | $347 | $251 |
| DUI | $435 | $314 |
Compare low-cost car insurance after an accident
Erie, USAA, and Travelers also offer cheap car insurance in New York for drivers with an accident on their record. The average monthly full-coverage premium for drivers with an accident is $375 in the state.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Erie | $272 | $197 |
| USAA | $289 | $208 |
| Travelers | $337 | $243 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Erie, USAA, and Travelers again provide cheaper car insurance in New York for drivers with a speeding ticket. The average cost of full coverage for those with a speeding ticket on their record is $347 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Erie | $272 | $197 |
| USAA | $276 | $199 |
| Travelers | $322 | $232 |
Compare low-cost car insurance after DUI conviction
Drivers with a DUI in New York can find affordable full-coverage car insurance with Erie, USAA, and Travelers. The average rate for full coverage for drivers with a DUI on their record is $435.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Erie | $312 | $225 |
| USAA | $328 | $236 |
| Travelers | $381 | $275 |
Cheap car insurance in New York by credit score
In New York, drivers with excellent credit pay an average of $227 per month for full-coverage car insurance. In contrast, drivers with poor credit face higher premiums, with rates averaging $328 per month.
The difference in rates reflects how credit scores impact insurance pricing, with poor credit typically resulting in higher premiums due to the perceived risk of non-payment.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $227 | $164 |
| Good | $249 | $180 |
| Average | $274 | $198 |
| Poor | $328 | $237 |
FAQs
What are the minimum car insurance requirements in New York?
New York requires drivers to carry 25/50/10 liability coverage, which means $25,000 per person and $50,000 per accident for bodily injury, plus $10,000 for property damage. The state also mandates $50,000 in personal injury protection (PIP) and $25,000 per person in uninsured motorist coverage. New York stands out as a no-fault state, meaning your own insurance covers your medical expenses regardless of who caused the accident.
What happens if I get caught driving without insurance in New York?
New York imposes serious penalties for driving uninsured, including fines, license suspension, and potential vehicle registration suspension. Given the state's no-fault system and mandatory coverage requirements, the consequences extend beyond just tickets to affect your ability to legally operate a vehicle. If you cannot afford standard coverage, the New York Automobile Insurance Plan helps high-risk drivers obtain required insurance through participating insurers rather than driving illegally.
Does New York's no-fault insurance system affect how claims work?
New York's no-fault insurance system significantly changes the claims process compared to at-fault states. When an accident occurs, drivers must file claims with their own insurance companies to receive coverage for accident-related injuries, regardless of who causes a crash. This system requires all drivers to carry personal injury protection coverage, which pays for medical expenses and lost wages after an accident.
A no-fault system aims to reduce litigation by having each driver's own insurance cover their injuries, but it also means New York drivers pay higher premiums than in many at-fault states to maintain this mandatory coverage.
Bottom line
While these may be the cheapest companies in New York, that doesn't mean they're the cheapest company for your individual car insurance needs. The best way to find the right company for you is to get quotes from multiple insurance providers and compare them based on price and service.
Data throughout provided by Insurify.
Average rate:
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