Cheapest Car Insurance In New York City, NY 2024
GEICO emerges as the most cost-effective choice for minimum coverage car insurance in New York City, averaging $37 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, GEICO offers the lowest prices. Progressive delivers the best deals for full coverage, and State Farm gives young drivers the cheapest options.
Cheapest Car Insurance Companies In New York City, NY
Cheapest Liability-only Car Insurance In New York City: Auto-Owners
If you’re looking for affordable minimum coverage car insurance in New York City, GEICO provides the best rate at $37 a month.
The table below highlights rate comparisons from different insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $37 | $436 |
| Progressive | $58 | $701 |
| Country Financial | $39 | $465 |
| State Farm | $65 | $780 |
| Allstate | $59 | $708 |
Cheapest Full Coverage Insurance Rates In New York City: Allstate
In New York City, the best deal for full coverage car insurance is from Progressive, with an average monthly cost of $92.
Below, the table lists average auto insurance quotes from affordable providers in New York City.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $91 | $1,084 |
| Progressive | $133 | $1,597 |
| Auto-Owners | $84 | $1,008 |
| GEICO | $134 | $1,604 |
| State Farm | $120 | $1,420 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
At $87 a month on average, State Farm 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 |
| Auto-Owners | $89 | $1,063 |
| State Farm | $101 | $1,205 |
| Allstate | $99 | $1,184 |
| Mercury | $113 | $1,350 |
| Progressive | $130 | $1,537 |
Cheapest Rates In New York City For Teenagers: Allstate
New York City teens can find the most affordable car insurance with State Farm, which offers average monthly premiums of $313.
The table shows a comparison of the cheapest insurance rates for teenagers, provided by various companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $179 | $2,140 |
| State Farm | $304 | $3,622 |
| Auto-Owners | $280 | $3,270 |
| GEICO | $298 | $3,566 |
| Progressive | $360 | $4,320 |
Cheapest Auto Insurance For Young Adults in New York City: Allstate
Young adults in New York City can secure the cheapest insurance quotes from State Farm, which average $238 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 |
| Allstate | $96 | $1,144 |
| State Farm | $149 | $1,782 |
| Auto-Owners | $120 | $1,430 |
| GEICO | $202 | $2,422 |
| Progressive | $168 | $1,972 |
Cheapest Car Insurance In New York City For Good Drivers: Auto-Owners
For good drivers in New York City, Auto-Owners offers the most affordable car insurance, averaging around $37 per month.
Good drivers can refer to the table below to compare average quotes from budget-friendly insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $37 | $436 |
| Progressive | $58 | $701 |
| Country Financial | $39 | $465 |
| State Farm | $65 | $780 |
| Allstate | $59 | $708 |
Find affordable New York City rates
Cheapest Car Insurance In New York City After A Speeding Ticket: Auto-Owners
In New York City, Auto-Owners stands out as a low-cost option, offering average rates of $96 per month for drivers with speeding violations on their record.
Use the table below to see average insurance rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $96 | $1,142 |
| State Farm | $134 | $1,606 |
| Country Financial | $104 | $1,240 |
| Allstate | $103 | $1,230 |
| Progressive | $179 | $2,142 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
For drivers with an at-fault incident, Auto-Owners offers the most affordable car insurance rates, with an average monthly premium of $108.
Here’s a list of car insurance companies providing the most affordable rates for drivers who have been at fault in an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $108 | $1,290 |
| Country Financial | $110 | $1,304 |
| State Farm | $146 | $1,750 |
| GEICO | $198 | $2,372 |
| Progressive | $249 | $2,980 |
Cheapest Rates In New York City For Drivers After A DUI: Allstate
For New York City drivers who have a DUI, Allstate offers the most affordable insurance rates, averaging $123 per month.
Below is a table highlighting the most affordable rates for New York City drivers who have a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $123 | $1,474 |
| State Farm | $134 | $1,604 |
| Progressive | $218 | $2,610 |
| GEICO | $496 | $5,940 |
| Country Financial | $126 | $1,505 |
Best Car Insurance Companies In New York City
Drivers in New York City can get the best insurance deals from Auto-Owners at $37 per month. Other options to consider include Allstate at $59 and Country Financial at $39 monthly.
The following shows the top 10 car insurance companies in New York City, NY, organized by their average monthly premiums.
| Company | Monthly Premium |
| Auto-Owners | $37 |
| State Farm | $65 |
| Allstate | $59 |
| Country Financial | $39 |
| GEICO | $65 |
| Mercury | $50 |
| Progressive | $58 |
| Farm Bureau | $60 |
| Safeco | $49 |
| Direct | $40 |
| Mile Auto | $52 |
Average Auto Insurance Rates In New York City – By Age
One major factor that influences car insurance rates is age. Younger drivers usually have higher premiums due to their limited driving experience and a higher risk of accidents and violations. Teenagers can anticipate spending about $8,180 each year on car insurance.
Drivers often see a decrease in their insurance premiums when they reach 25 years of age, as long as they have a spotless driving history.
The best insurance rates are typically available to drivers in their 50s and early 60s. Insurers consider age as a measure of driving experience and risk, influencing how much premiums cost.
| Age | Average Yearly Rate |
| Teenagers | $8,180 |
| 20s | $3,546 |
| 30s | $2,440 |
| 40s | $2,260 |
| 50s | $2,11o |
| 60s | $2,080 |
| 70s | $2,050 |
Average Cost Of Auto Insurance In New York City – By Zip Code
Zip codes play a crucial role in helping insurance companies evaluate crime rates in a region, resulting in different car insurance premiums for each zip code.
Below is a table where you can find the average insurance premiums for different zip codes in New York City.
| Zip Code | Average Monthly Rate |
| 30349 | $257 |
| 30314 | $240 |
| 30310 | $229 |
| 30326 | $187 |
| 30341 | $195 |
Average Rates In New York City – By Vehicle
| Vehicle | Average Monthly Rate |
| Infiniti G37 | $100 |
| Audi A4 | $88 |
| Hyundai Sonata | $58 |
| Honda Cr-V | $150 |
| Dodge Charger | $103 |
Find affordable New York City rates
Our Methodology
Based on extensive research spanning customer service ratings, product variety, pricing, and thorough assessments of numerous online review platforms and user feedback, I've developed a detailed understanding of the car insurance provider landscape in New York City, NY. This perspective is shaped by over 15 years of active engagement in the industry as a licensed insurance agent. It's informed by numerous interactions with representatives from different companies and insights acquired through firsthand experience.
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 rates in New York City for both the minimum coverage required by the State of New York and full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in New York City?
The average cost of car insurance in New York City is approximately $220 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.
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