Cheapest Car Insurance in New York (Compare Rates For 2022)

Cheapest Car Insurance in New York.

Car insurance is extremely expensive in New York when you compare prices to other states. You’re in the right place if you’re on a budget. Below, we compared and analyzed the cheapest car insurance in New York.

You will find information on cheap auto insurance for full coverage and minimum coverage. We also go over car insurance prices for drivers with a speeding ticket, accident, or DUI.

Annual and monthly car insurance payments for drivers with poor credit is also listed. You will find the cheapest New York auto insurance rates no matter if you are 20, 25, 30, or 65+.

Overview of the Cheapest Car Insurance in New York

For Minimum Coverage: GEICO offers cheap auto insurance for minimum coverage at $1396 annually or $116.33 a month.

Cheapest Full Coverage: GEICO also offers the cheapest full coverage car insurance at $1574 a year or $131.17 a month. 

For Drivers With One At-Fault Accident: Erie is the best option for drivers with one at-fault accident. Going with Erie will cost you $2267 a year or $188.92 per month.

Cheapest For Drivers With a DUI: Drivers with a DUI will pay $2580 annually or $215 a month with Progressive.

For Drivers With a Speeding Ticket: Erie offers the lowest priced auto insurance at $1765 a year or $147.08 a month.

Cheapest For Drivers With Poor Credit: If you have poor credit, GEICO is the cheapest option for auto insurance. Getting GEICO insurance will cost you $2608 a year or $217.33 per month.

We removed USAA from these NY insurance choices due to USAA only being available to those currently or previously involved with the military.

Cheapest Minimum Coverage Car Insurance in New York

If you want the bare minimum coverage in New York, these are the lowest rates:

  1. USAA – $1153 a year or $96.08 per month (Cheap Insurance For Military)
  2. GEICO – $1396 every year or $116.33 a month (Cheapest Insurance If Not Military)
  3. Erie – $1448 a year or $120.67 per month
  4. Allstate – $1623 each year or $135.25 a month
  5. Progressive – $1957 a year or $163.08 per month
  6. Esurance – $4238 every year or $353.17 per month
  7. MetLife – $4776 each year or $398 a month
  8. The General – $6840 a year or $570 per month (Most Expensive)

Cheapest Full Coverage Car Insurance in New York

These are the rates you can expect in New York if you want to be fully covered when driving:

  1. USAA – $1224 a year or $102 per month (Cheap Insurance For Military)
  2. GEICO – $1574 every year or $131.17 a month (Cheapest Insurance If Not Military)
  3. Erie – $1605 a year or $133.75 per month
  4. Allstate – $1922 each year or $160.17 a month
  5. Progressive – $2153 a year or $179.42 per month
  6. Esurance – $4669 every year or $389.08 per month
  7. MetLife – $4879 each year or $406.58 a month
  8. The General – $7352 a year or $612.67 per month (Most Expensive)

Cheap Car Insurance in New York For Drivers With Previous Accidents

Accidents will likely result in your monthly insurance costs increasing. Getting in an accident in NY may include; speeding tickets, at-fault accidents, or DUIs.

Cheapest New York Car Insurance With a Speeding Ticket

The cheapest car insurance in NY for a driver with a speeding ticket is either USAA or Erie.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,343$111.92
Erie$1,765$147.08
GEICO$2,268$189.00
Allstate$2,306$192.17
Nationwide$2,602$216.83
MetLife$6,211$517.58
Esurance$6,501$541.75
The General$10,466$872.17

Cheap New York Auto Insurance With One At-Fault Accident

USAA and Erie are the cheapest options when it comes to car insurance for NY drivers with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,568$130.67
Erie$2,267$188.92
Allstate$2,435$202.92
GEICO$2,644$220.33
State Farm$2,966$247.17
Esurance$7,700$641.67
The General$9,852$821.00
MetLife$14,549$1,212.42

Cheap New York Car Insurance With a DUI

USAA and Progressive each have cheap annual rates for NY drivers with a DUI.

Insurance CompanyAnnual RateMonthly Rate
USAA$2,081$173.42
Progressive$2,580$215.00
Allstate$2,598$216.50
State Farm$2,704$225.33
Erie$2,769$230.75
Esurance$6,724$560.33
Nationwide$7,115$592.92
The General$10,466$872.17
MetLife$15,181$1,265.08

Related: Cheapest Car Insurance in Florida

Cheapest Auto Insurance For New York Drivers With Poor Credit

If you’re located in New York and have poor credit, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$2,608$217.33
GEICO$3,354$279.50
Erie$3,419$284.92
Allstate$4,094$341.17
Progressive$4,587$382.25
Esurance$9,944$828.67
MetLife$10,393$866.08
The General$15,660$1,305.00

Cheapest Car Insurance For 20-Year-Old Drivers in New York

Younger drivers typically have to deal with higher insurance costs. This is especially true for 20-year-olds in NY.

Cheapest Full Coverage Car Insurance For 20-Year-Old New York Drivers

GEICO and USAA have the cheapest full coverage auto insurance for 20-year-olds in NY.

Insurance CompanyAnnual RateMonthly Rate
USAA$3,000$250.00
GEICO$3,858$321.50
Erie$3,933$327.75
Allstate$4,709$392.42
Progressive$5,276$439.67

Cheapest Minimum Coverage Car Insurance in New York For 20-Year-Old Drivers

The cheapest minimum coverage auto insurance for 20-year-olds is USAA and GEICO in NY.

Insurance CompanyAnnual RateMonthly Rate
USAA$2,824$235.33
GEICO$3,419$284.92
Erie$3,548$295.67
Allstate$3,976$331.33
Progressive$4,794$399.50

Cheap Auto Insurance For 20-Year-Old New York Drivers With Poor Credit

Here are the lowest annual and monthly rates for 20-year-old NY drivers with poor credit:

Insurance CompanyAnnual RateMonthly Rate
USAA$6,391$532.58
GEICO$8,219$684.92
Erie$8,379$698.25
Allstate$10,033$836.08
Progressive$11,241$936.75

Cheap Car Insurance For 20-Year-Old New York Drivers With a Speeding Ticket

Erie and USAA have the least expensive car insurance for 20-year-old NY drivers with a speeding ticket.

Insurance CompanyAnnual RateMonthly Rate
USAA$3,291$274.25
Erie$4,324$360.33
GEICO$5,558$463.17
Allstate$5,649$470.75
Nationwide$6,375$531.25

Cheap Auto Insurance in New York For 20-Year-Old Drivers With a DUI

Here are the cheapest car insurance prices for 20-year-olds with a DUI:

Insurance CompanyAnnual RateMonthly Rate
USAA$5,097$424.75
Progressive$6,322$526.83
Allstate$6,366$530.50
State Farm$6,625$552.08
Erie$6,785$565.42

Cheap Car Insurance in New York For 20-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and annual costs for 20-year-old drivers in NY with one at-fault accident:

Insurance CompanyAnnual RateMonthly Rate
USAA$3,842$320.17
Erie$5,555$462.92
Allstate$5,965$497.08
GEICO$6,478$539.83
State Farm$7,267$605.58

Cheapest Car Insurance For 25-Year-Old Drivers in New York

25 is the age where NY auto insurance premiums start to decline quicker. This means living in New York, you get to save more money on car insurance.

Cheapest Full Coverage Car Insurance For 25-Year-Old New York Drivers

Here are the cheapest options for full coverage auto insurance for 25-year-olds in NY:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,653$137.75
GEICO$2,126$177.17
Erie$2,167$180.58
Allstate$2,595$216.25
Progressive$2,907$242.25

Cheapest Minimum Coverage Car Insurance in New York For 25-Year-Old Drivers

GEICO and USAA have the cheapest minimum coverage auto insurance for NY 25-year-olds.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,556$129.67
GEICO$1,884$157.00
Erie$1,955$162.92
Allstate$2,191$182.58
Progressive$2,641$220.08

Cheap Auto Insurance For 25-Year-Old New York Drivers With Poor Credit

25-year-old drivers with poor credit can use USAA or GEICO for the lowest annual and monthly rates.

Insurance CompanyAnnual RateMonthly Rate
USAA$3,526$293.83
GEICO$4,535$377.92
Erie$4,623$385.25
Allstate$5,536$461.33
Progressive$6,202$516.83

Cheap Car Insurance For 25-Year-Old New York Drivers With a Speeding Ticket

Here are the least expensive auto insurance options for 25-year-old NY drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,813$151.08
Erie$2,383$198.58
GEICO$3,062$255.17
Allstate$3,112$259.33
Nationwide$3,513$292.75

Cheap Auto Insurance in New York For 25-Year-Old Drivers With a DUI

25-year-olds with a DUI have these options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$2,809$234.08
Progressive$3,483$290.25
Allstate$3,508$292.33
State Farm$3,651$304.25
Erie$3,739$311.58

Cheap Car Insurance in New York For 25-Year-Old Drivers With One At-Fault Accident

USAA and Erie have the least expensive car insurance yearly and monthly costs for 25-year-old drivers in NY with one at-fault accident.

Insurance CompanyAnnual RateMonthly Rate
USAA$2,117$176.42
Erie$3,061$255.08
Allstate$3,287$273.92
GEICO$3,570$297.50
State Farm$4,004$333.67

Cheapest Car Insurance For 30-Year-Old Drivers in New York

New York auto insurance prices in your 30s will be even cheaper compared to your teenage years and early to mid-20s.

Cheapest Full Coverage Car Insurance For 30-Year-Old New York Drivers

Here are the cheapest car insurance options for 30-year-olds in NY that want to be fully covered:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,224$102.00
GEICO$1,574$131.17
Erie$1,605$133.75
Allstate$1,922$160.17
Progressive$2,153$179.42

Cheapest Minimum Coverage Car Insurance in New York For 30-Year-Old Drivers

GEICO and USAA have the cheapest auto insurance rates for 30-year-olds in NY that want minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,153$96.08
GEICO$1,396$116.33
Erie$1,448$120.67
Allstate$1,623$135.25
Progressive$1,957$163.08

Cheap Auto Insurance For 30-Year-Old New York Drivers With Poor Credit

USAA and GEICO have the least expensive annual and monthly rates for 30-year-old NY drivers with poor credit.

Insurance CompanyAnnual RateMonthly Rate
USAA$2,608$217.33
GEICO$3,354$279.50
Erie$3,419$284.92
Allstate$4,094$341.17
Progressive$4,587$382.25

Cheap Car Insurance For 30-Year-Old New York Drivers With a Speeding Ticket

Check out these NY insurance companies for cheap car insurance for 30-year-old drivers with a speeding ticket:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,343$111.92
Erie$1,765$147.08
GEICO$2,268$189.00
Allstate$2,306$192.17
Nationwide$2,602$216.83

Cheap Auto Insurance in New York For 30-Year-Old Drivers With a DUI

USAA and Progressive have the cheapest auto insurance prices for NY 30-year-olds with a DUI.

Insurance CompanyAnnual RateMonthly Rate
USAA$2,081$173.42
Progressive$2,580$215.00
Allstate$2,598$216.50
State Farm$2,704$225.33
Erie$2,769$230.75

Cheap Car Insurance in New York For 30-Year-Old Drivers With One At-Fault Accident

Here are the least expensive car insurance monthly and yearly costs for 30-year-old drivers in NY with one accident on record:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,568$130.67
Erie$2,267$188.92
Allstate$2,435$202.92
GEICO$2,644$220.33
State Farm$2,966$247.17

Cheapest Car Insurance For New York Drivers Over 65 Years Old

Auto insurance prices in NY will vary depending on what you’re looking for and what your situation is as a 65-year-old driver.

Cheapest Full Coverage Car Insurance For New York Drivers Over 65 Years Old

The cheapest full coverage auto insurance for NY drivers over 65 years old is USAA and Erie.

Insurance CompanyAnnual RateMonthly Rate
USAA$1,563$130.25
Erie$1,733$144.42
GEICO$1,843$153.58
Allstate$2,185$182.08
Nationwide$2,275$189.58

Cheapest Minimum Coverage Car Insurance in New York For Drivers Over The Age of 65

Here are all your options for getting cheap car insurance with minimum coverage in NY when you’re over 65 years old:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,472$122.67
Erie$1,564$130.33
GEICO$1,637$136.42
Allstate$1,824$152.00
Nationwide$2,026$168.83

Cheap Auto Insurance For New York Drivers Over 65 Years Old With Poor Credit

If you have poor credit in NY and are over 65 years old, these are your options for cheap car insurance:

Insurance CompanyAnnual RateMonthly Rate
USAA$3,329$277.42
Erie$3,691$307.58
GEICO$3,925$327.08
Allstate$4,655$387.92
Nationwide$4,845$403.75

Cheap Car Insurance For New York Drivers Over 65 Years Old With a Speeding Ticket

If you have a speeding ticket and are over the age of 65, here are your options in NY:

Insurance CompanyAnnual RateMonthly Rate
USAA$1,716$143.00
Erie$1,904$158.67
Nationwide$2,377$198.08
GEICO$2,537$211.42
State Farm$2,548$212.33

Cheap Auto Insurance in New York For Drivers Over The Age of 65 With a DUI

State Farm has the least expensive auto insurance for NY drivers over 65 years old with a DUI:

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,548$212.33
USAA$2,676$223.00
Progressive$2,913$242.75
Allstate$3,017$251.42
Erie$3,051$254.25

Cheap Car Insurance in New York For Drivers Over 65 Years Old With One At-Fault Accident

If you don’t want to spend a lot on auto insurance but are over the age of 65 and have an accident on record, these are your options:

Insurance CompanyAnnual RateMonthly Rate
USAA$2,102$175.17
Erie$2,478$206.50
State Farm$2,794$232.83
Allstate$2,795$232.92
GEICO$2,957$246.42

New York Minimum Auto Insurance Requirements

The state of New York has a list of requirements for the minimum amount of auto insurance a driver can have.

These requirements include:

  1. At a minimum; insured for $25,000 bodily injury and property damage liability per person.
  2. In the event of a crash, $50,000 needs to be insured for death to others.
  3. A total of $10,000 per crash for property damage caused by the vehicle.
  4. And lastly, $50,000 per person and $100,000 for death per accident when there are more than two people involved in an accident.

Methodology For Choosing Cheapest New York Auto Insurance

We compared rates from New York auto insurance companies throughout the state. The rates we used are calculated for a 35-year-old male with a good credit score (690-719).

Other stats used for the calculated rates include:

Bodily Injury Coverage: $50,000

Overall Coverage: $100,000

Property Damage Coverage: $50,000

Age: 35 years old

Vehicle: 2020 Sedan

Number of Incidents: 0

Credit Score: Good (690-719)

Comprehensive and Collision Coverage: None

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