Cheapest Car Insurance In New York City, NY 2024
Kemper emerges as the most cost-effective choice for minimum coverage car insurance in New York City, averaging $57 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
As you explore options for affordable car insurance in New York City, NY, you’ll see that prices can vary widely.
If liability-only coverage is what you’re after, Kemper offers the lowest prices. Progressive delivers the best deals for full coverage, Kemper also gives young drivers the cheapest options.
Cheapest Car Insurance Companies In New York City, NY
Cheapest Auto Insurance For Young Adults in New York City: Kemper
Young adults in New York City can secure the cheapest insurance quotes from Kemper, which average $117 a month.
Compare the cheapest auto insurance rates for young adults in New York City using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $117 | $1,409 |
| State Farm | $200 | $2,396 |
| American Family | $155 | $1,860 |
| GEICO | $182 | $2,182 |
| Progressive | $131 | $1,570 |
Cheapest Liability-only Car Insurance In New York City: Kemper
If you’re looking for affordable minimum coverage car insurance in New York City, Kemper provides the best rate at $57 a month.
The table below highlights rate comparisons from different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $57 | $689 |
| Progressive | $77 | $920 |
| Chubb | $136 | $1,627 |
| State Farm | $113 | $1,360 |
| Allstate | $125 | $1,497 |
Cheapest Car Insurance Rates For Seniors: Kemper
At $91 a month on average, Kemper offers New York City seniors the cheapest car insurance rates available.
Below is a table that displays average quotes from affordable auto insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $91 | $1,094 |
| State Farm | $160 | $1,915 |
| Allstate | $239 | $2,862 |
| GEICO | $177 | $2,120 |
| Chubb | $215 | $2,578 |
Cheapest Full Coverage Insurance Rates In New York City: Progressive
In New York City, the best deal for full coverage car insurance is from Progressive, with an average monthly cost of $118.
Below, the table lists average auto insurance quotes from affordable providers in New York City.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $118 | $1,416 |
| GEICO | $166 | $1,988 |
| State Farm | $178 | $2,133 |
| Chubb | $256 | $3,068 |
| Hanover | $531 | $6,370 |
Cheapest Rates In New York City For Teenagers: Kemper
New York City teens can find the most affordable car insurance with Kemper, which offers average monthly premiums of $173.
The table shows a comparison of the cheapest insurance rates for teenagers, provided by various companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $173 | $2,078 |
| Progressive | $331 | $3,971 |
| State Farm | $540 | $6,480 |
| Allstate | $383 | $4,599 |
| Travelers | $804 | $9,651 |
Cheapest Car Insurance In New York City For Good Drivers: Kemper
Kemper offers the cheapest car insurance for good drivers in New York City, at an average of $57 per month.
The table below provides average quotes from budget-friendly insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $57 | $689 |
| Progressive | $77 | $920 |
| Chubb | $136 | $1,627 |
| State Farm | $113 | $1,360 |
| Allstate | $125 | $1,497 |
Find affordable New York City rates
Cheapest Car Insurance In New York City After A Speeding Ticket: Progressive
In New York City, Progressive’s average rate of $122 per month makes it a very affordable option for drivers with a speeding ticket.
The following table shows the average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $122 | $1,472 |
| Allstate | $260 | $3,120 |
| GEICO | $192 | $2,298 |
| State Farm | $196 | $2,347 |
| Chubb | $293 | $3,515 |
Cheapest Rates In New York City For Drivers After A DUI: Progressive
Progressive stands out as the cheapest insurer for drivers with a DUI in New York City, with an average monthly cost of $124.
For New York City drivers with a DUI, the table below shows the lowest available insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $124 | $1,492 |
| State Farm | $196 | $2,349 |
| Kemper | $143 | $1,721 |
| GEICO | $495 | $5,944 |
| Allstate | $296 | $3,550 |
Cheapest For Drivers With After At-Fault Accident: Progressive
For drivers with an at-fault incident, Progressive’s average rate of $118 per month makes it the cheapest option.
Here is a list of the car insurance companies with the lowest rates for drivers who have had an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $118 | $1,415 |
| Erie | $175 | $2,095 |
| State Farm | $196 | $2,348 |
| GEICO | $191 | $2,296 |
| Chubb | $273 | $3,280 |
Best Car Insurance Companies In New York City
The lowest insurance rates for drivers in New York City are from Kemper at $57 a month, but Progressive at $77 and State Farm at $113 per month are also good choices.
Listed below are the top 10 car insurance companies in New York City, NY, ordered by average monthly rate.
| Company | Monthly Premium |
| Kemper | $57 |
| Progressive | $77 |
| Chubb | $136 |
| State Farm | $113 |
| Allstate | $125 |
| GEICO | $90 |
| American family | $76 |
| Erie | $108 |
| Travelers | $199 |
| Hanover | $301 |
| Mercury | $364 |
How Much Is Car Insurance In Other Cities In New York?
Your living location has a significant effect on your car insurance costs. Factors like accident rates, theft, and vandalism are assessed by insurers, and higher urban risks often lead to more expensive premiums.
As an illustration, drivers in Brooklyn can expect to spend about $307 monthly on car insurance, while in Rochester, the average rate is $127 per month.
| City | Average Monthly Rate |
| Rochester | $127 |
| Flushing | $189 |
| Great Neck | $155 |
| Staten Island | $226 |
| Syracuse | $159 |
| White Plains | $142 |
| Albany | $145 |
| Bronx | $301 |
| Brooklyn | $307 |
| Buffalo | $168 |
Average Rates In New York City – By Vehicle
The kind of vehicle you drive impacts your insurance premiums. Insurers examine details like the car’s make, model, year, and design. Newer, high-value, or luxury cars with advanced features generally have higher rates.
The table below offers a comparison of average rates in New York City for various vehicle types.
| Vehicle | Average Monthly Rate |
| Kia Optima | $90 |
| Nissan Versa | $105 |
| Honda Accord | $83 |
| Chevrolet Blazer | $51 |
| BMW 228xi | $489 |
Average Auto Insurance Rates In New York City – By Age
Car insurance rates are heavily affected by age. Younger drivers, particularly teens, pay more due to their lack of driving experience and higher accident risk. The yearly average for teens is $4,020.
Insurance rates usually become more affordable at age 25 for drivers who maintain a clean record.
The most affordable premiums are generally offered to drivers in their 50s and early 60s, as insurance companies use age to evaluate risk and experience.
| Age | Average Yearly Rate |
| Teenagers | $4,020 |
| 20s | $2,832 |
| 30s | $2,832 |
| 40s | $2,676 |
| 50s | $2,904 |
| 60s | $2,448 |
| 70s | $3,684 |
Average Cost Of Auto Insurance In New York City – By Zip Code
By using zip codes to assess crime levels, insurers establish unique car insurance rates for each area.
You can refer to the table below to find average rates for car insurance by zip code in New York City.
| Zip Code | Average Monthly Rate |
| 10040 | $183 |
| 10002 | $446 |
| 10029 | $179 |
| 11367 | $160 |
| 10028 | $146 |
Find affordable New York City rates
Our Methodology
Utilizing a comprehensive study that covers customer service, product options, pricing, and insights from user experiences and online reviews, I’ve developed a full view of the car insurance landscape in New York City, NY.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in New York City?
Kemper provides the lowest car insurance premiums in New York City for the minimum coverage required by law, and Progressive is the most affordable for full coverage with comprehensive and collision protection.
What is the average cost of car insurance in New York City?
In New York City, the average monthly premium for car insurance is about $240, but factors such as zip code, vehicle details, and driving history can cause fluctuations..
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