{"id":324688,"date":"2025-11-11T16:38:47","date_gmt":"2025-11-11T21:38:47","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88626"},"modified":"2025-11-11T16:38:47","modified_gmt":"2025-11-11T21:38:47","slug":"best-in-new-york","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-new-york\/","title":{"rendered":"The Best Car Insurance Companies in New York"},"content":{"rendered":"\n<p>New York remains one of the costliest auto insurance markets, with recent 2025 studies placing average premiums around $3,100\u2013$3,700 per year for full coverage and about $1,300\u2013$1,700 for minimum coverage statewide, with New York City areas often substantially higher. Reviews.com analyzed current New York data \u2014 including pricing from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>, satisfaction from the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">2024 J.D. Power U.S. Auto Insurance Study<\/a>, financial strength, and coverage features \u2014 to help you find the best car insurance company for your needs.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Car Insurance Companies in New York<\/h2>\n\n\n\n<p>Our research method to choose the best car insurance companies in New York included analyzing recent statewide averages (from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>), customer satisfaction scores from the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power U.S. Auto Insurance Study<\/a>, financial strength ratings from AM Best, coverages, discounts and policy features. We found the following four companies to be among the best in New York:<\/p>\n\n\n\n<ul><li><strong><a href=\"#new-york-central-mutual-auto\" rel=\"nofollow\" class=\"achor-toggles\">New York Central Mutual<\/a>:<\/strong> Best for Discounts; ranked highest in the New York region in the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power study<\/a><\/li><li><strong><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\">State Farm<\/a>: <\/strong>Best for Customer Satisfaction with broad agent support<\/li><li><strong><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\">Geico<\/a>:<\/strong> Best for Affordable Policies; often competitively priced and New York\u2019s largest writer by market share (<a href=\"https:\/\/www.dfs.ny.gov\/reports_and_publications\/insurer_market_share_reports\">DFS market share<\/a>)<\/li><li><strong><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>:<\/strong> Best for Military-Centric Options; consistently strong satisfaction but eligibility-restricted<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"compare\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Car Insurance Companies in New York<\/h2>\n\n\n\n<p>Insurance companies are unique; each offers its own set of coverages, discounts, average rates, and policy features. The carriers we chose to feature are based on our research method, but you might find that the best provider for you is not on this list. With prices having risen significantly since 2021 (the motor vehicle insurance index increased about 19% over the last year, per <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">BLS CPI<\/a>), getting quotes from a few different companies and comparing them can help you find the right fit for your needs.<\/p>\n\n\n\t\t\n<section id=\"block_61f17216a8b24\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premium for Minimum Coverage*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premium for Full Coverage* \n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Customer Satisfaction (New York region)**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_61f17216a8b24-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">New York Central Mutual<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,129<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,669<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>827<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61f17216a8b24-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,241<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,333<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>859<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61f17216a8b24-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$821<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,969<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>827<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_61f17216a8b24-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$922<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,137<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>868<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information updated with 2025 sources cited throughout this article.<\/em><\/p>\n\n\n\n<p><em>* Benchmarks reflect 2025 analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>.<\/em><\/p>\n\n\n\n<p><em>** <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power 2024 U.S. Auto Insurance Study<\/a> rating for the New York region. Based on a 1,000-point scale. USAA is not officially ranked by J.D. Power due to eligibility restrictions. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"new-york-central-mutual-auto\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"new-york-central-mutual-auto\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">New York Central Mutual Auto<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                New York Central Mutual, abbreviated to NYCM, is a regional insurer. Although average rates are higher than the state\u2019s average, the company has a number of discounts that could help you save.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.nycm.com\/auto\/?rvitemid=344668-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Get a Quote<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,669*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">827**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                New York Central Mutual, abbreviated to NYCM, is a regional insurer. Although average rates are higher than the state\u2019s average, the company has a number of discounts that could help you save.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Local agents available<\/li>\n                            <li>Wide array of discounts<\/li>\n                            <li>24\/7 claims service<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Lower financial strength than some competitors<\/li>\n                                    <li>Fewer endorsements than some competitors<\/li>\n                                    <li>Higher-than-average premiums<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Other Policies Offered<\/h4>\n                <div> <ul>\n<li>Homeowners<\/li>\n<li>Mobile home<\/li>\n<li>Business<\/li>\n<li>Umbrella<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>New car<\/li>\n<li>Senior<\/li>\n<li>Injury protection program<\/li>\n<li>Claim free<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Customer Satisfaction\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Satisfaction<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers great customer service with nearly 19,000 agents and plenty of online support options.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,333*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">859**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                State Farm offers great customer service with nearly 19,000 agents and plenty of online support options.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Impressive financial strength<\/li>\n                            <li><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">High claims satisfaction ratings<\/a><\/li>\n                            <li>Local agents available<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Higher-than-average premiums<\/li>\n                                    <li>Fewer endorsements than competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Homeowners<\/li>\n<li>Small business<\/li>\n<li>Life<\/li>\n<li>Pet medical<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Drive Safe &amp; Save<\/li>\n<li>Steer Clear<\/li>\n<li>Multi-line<\/li>\n<li>Vehicle safety<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Affordable Policies\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Affordable Policies<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With the lowest average minimum and full coverage premiums on our list, Geico could be a good choice for New York drivers on a tight budget.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,969*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">827**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With the lowest average minimum and full coverage premiums on our list, Geico could be a good choice for New York drivers on a tight budget.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Affordable policies<\/li>\n                            <li>Numerous discounts<\/li>\n                            <li>Strong financial ratings<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Below-average customer service<\/li>\n                                    <li>No specialty discounts for hybrid or electric cars<\/li>\n                                    <li>Few endorsements available<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Homeowners<\/li>\n<li>Renters<\/li>\n<li>Motorcycle\/RV<\/li>\n<li>Boat<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Emergency deployment<\/li>\n<li>Military<\/li>\n<li>Federal employee<\/li>\n<li>Good driver<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA offers policies to military members, veterans, and qualifying family members. The company is known for its excellent customer service, although it does not qualify for an official ranking with J.D. Power due to its eligibility restrictions.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,137*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">868**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA offers policies to military members, veterans, and qualifying family members. The company is known for its excellent customer service, although it does not qualify for an official ranking with J.D. Power due to its eligibility restrictions.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Military-focused discounts<\/li>\n                            <li>High J.D. Power scores<\/li>\n                            <li>Lower-than-average premiums<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Eligibility restrictions<\/li>\n                                    <li>Very few branch locations<\/li>\n                                    <li>Fewer endorsements than some competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Homeowners<\/li>\n<li>Farm<\/li>\n<li>Life<\/li>\n<li>Aviation<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>SafePilot<\/li>\n<li>Military on-base<\/li>\n<li>Family<\/li>\n<li>Emergency deployment<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Benchmarks reflect 2025 market conditions; minimum coverage refers to New York\u2019s statutory minimums and varies by driver profile.<\/em><\/p>\n\n\n\n<p><em>** <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power 2024 U.S. Auto Insurance Study<\/a> rating for the New York region. Based on a 1,000-point scale. USAA is not officially ranked by J.D. Power due to eligibility restrictions.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in New York<\/h2>\n\n\n\n<p>Car insurance in New York now commonly averages about $1,300\u2013$1,700 per year for minimum coverage and roughly $3,100\u2013$3,700 per year for full coverage for a typical good driver, based on 2025 analyses by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>. This is above national averages and reflects sharp post\u20112021 increases noted in the <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">Consumer Price Index<\/a> for motor vehicle insurance. Remember that rates vary based on your individual wants, needs, and rating factors. To find the best auto insurance in New York for you, you might want to <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\" class=\"achor-toggles\">compare quotes<\/a> from different providers to make sure that you have the right coverage for the right price.\u00a0<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-companies\" title=\"Top 3 Cheapest Car Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in New York<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Main Street America<\/td><td>$761<\/td><\/tr><tr><td>Progressive<\/td><td>$1,139<\/td><\/tr><tr><td>Erie<\/td><td>$1,629<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Figures fluctuate by driver, ZIP code and coverage. Verify current rates using multiple 2025 sources such as <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-most-expensive-companies\" title=\"Top 3 Most Expensive Car Insurance Companies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in New York<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Utica National<\/td><td>$5,075<\/td><\/tr><tr><td>American Family<\/td><td>$4,764<\/td><\/tr><tr><td>Kemper<\/td><td>$3,150<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Company-level averages vary by source and profile; consult recent 2025 datasets (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>) for up-to-date comparisons.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-cheapest-cities\" title=\"Top 3 Cheapest Cities for Car Insurance in New York\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in New York<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Ithaca<\/td><td>\u2248$1,200\u2013$1,700<\/td><\/tr><tr><td>Utica<\/td><td>\u2248$1,200\u2013$1,600<\/td><\/tr><tr><td>Watertown<\/td><td>\u2248$1,200\u2013$1,700<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Recent ranges aggregated from multiple 2024\u20132025 sources, including <a href=\"https:\/\/insurify.com\/car-insurance\/new-york\/\">Insurify<\/a>, <a href=\"https:\/\/www.moneygeek.com\/insurance\/auto\/cheapest-car-insurance-new-york\/\">MoneyGeek<\/a> and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>; actual premiums vary by driver and ZIP.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-3-most-expensive-cities\" title=\"Top 3 Most Expensive Cities for Car Insurance in New York\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in New York<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Bronx (NYC)<\/td><td>$4,000\u2013$5,200+<\/td><\/tr><tr><td>Brooklyn (NYC)<\/td><td>$3,800\u2013$5,000<\/td><\/tr><tr><td>Manhattan (NYC)<\/td><td>$3,300\u2013$4,300+<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Borough\/city ranges synthesized from recent 2024\u20132025 analyses (e.g., <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/new-york-car-insurance\/\">The Zebra<\/a>, <a href=\"https:\/\/insurify.com\/car-insurance\/new-york\/\">Insurify<\/a>); high-risk profiles can exceed these figures.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Car Insurance in New York\u00a0<\/h2>\n\n\n\n<p>New York car insurance remains expensive due to dense urban exposure, rising claim severity (parts, labor and medical costs), and weather-related losses. The <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">motor vehicle insurance CPI<\/a> shows double\u2011digit increases over the past year, while the U.S. has experienced another year of $100B+ insured catastrophe losses, per <a href=\"https:\/\/www.aon.com\">Aon<\/a> and the <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA Billion\u2011Dollar Disasters<\/a> dataset. Elevated reinsurance costs also flow through to premiums, as noted in 2025 market updates. Drivers should be aware of the risks of owning a car in this state, and for that reason, the Department of Motor Vehicles (DMV) created an article on <a href=\"https:\/\/dmv.ny.gov\/older-driver\/driving-tips\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">driving tips<\/a>.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">New York Car Insurance Requirements<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.dfs.ny.gov\/consumers\/auto_insurance\/minimum_auto_insurance_requirements\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">New York<\/a> requires all drivers to have at least a minimum amount of car insurance coverage. Coverage must be continuous for any NY-registered vehicle and issued by an insurer authorized in NY; out-of-state policies are not acceptable (see the <a href=\"https:\/\/dmv.ny.gov\/insurance\/insurance-requirements\">New York DMV<\/a>). Drivers must have the following coverage types and limits to drive legally:<\/p>\n\n\n\n<ul><li>$25,000 bodily injury liability per person and $50,000 death per person<\/li><li>$50,000 bodily injury liability per accident and $100,000 death per accident<\/li><li>$10,000 property damage liability per accident<\/li><li>$50,000 personal injury protection (PIP)<\/li><li>$25,000 statutory uninsured motorist bodily injury per person<\/li><li>$50,000 statutory uninsured motorist bodily injury per accident<\/li><\/ul>\n\n\n\n<p>There are two types of uninsured motorist coverage in New York: statutory and supplemental. The mandatory statutory coverage only provides coverage for uninsured motorist accidents in New York State. If you buy supplemental coverage (SUM), which insurers provide by default up to your liability limits unless you elect lower limits or reject it, you\u2019ll get coverage for uninsured motorist accidents outside of the state, as well as for underinsured motorist accidents (<a href=\"https:\/\/dfs.ny.gov\/consumers\/auto_insurance\/supplementary_uninsured_underinsured_motorists_sum_coverage\">DFS SUM guidance<\/a>).<\/p>\n\n\n\n<p>Most insurance professionals recommend purchasing higher limits than the state minimum coverage for added financial protection.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"coverage-options\" title=\"Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Car Insurance Coverage Options<\/h2>\n\n\n\n<p>To have more protection than the New York minimum, you may want to purchase higher limits than just the state minimum. You could even purchase full coverage or add-on options. In addition to the options below, many drivers consider gap\/loan-lease payoff, rental reimbursement, roadside assistance, rideshare endorsements and telematics-based programs (<a href=\"https:\/\/www.iii.org\/article\/what-auto-insurance-coverages-are-available\">III overview<\/a>). Here is a list of additional coverage based on common risks in the Empire State.<\/p>\n\n\n\n<ul><li><strong>Optional basic economic loss (OBEL): <\/strong>This coverage enhances the basic <a href=\"https:\/\/www.reviews.com\/insurance\/car\/no-fault-car-insurance\/\" class=\"achor-toggles\">no-fault<\/a> coverage, providing an extra $25,000 coverage on top of the mandatory $50,000 PIP\u00a0 limit.<\/li><li><strong>Additional PIP:<\/strong> Similar to OBEL coverage, New York insurance policies also include an option for additional PIP in increments of $50,000 beyond the mandatory PIP requirements in the state.\u00a0<\/li><li><strong>Collision:<\/strong> If there are any damages to your vehicle that result from impacting another car or object, this coverage is designed to pay for the costs, minus your deductible.<\/li><li><strong>Comprehensive: <\/strong>If the damages on your car are caused by something other than a crash, such as hail, vandalism, theft or flooding, comprehensive could kick in. Many late\u2011model vehicles require ADAS calibration after windshield replacement, which can increase glass claim costs; consider appropriate deductibles or glass options (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA severe weather context<\/a>).<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faq\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_61f177aea8b78\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How can you lower the price of your car insurance in New York?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">There are many factors involved in calculating auto insurance rates. The best car insurance companies in New York offer discounts that can lower those rates, such as practicing good driving habits to avoid accidents and proving that you\u2019re a responsible driver. If you complete an approved safe driving training course, some providers will get you a discount for that. Other things that may help lower your premiums are boosting your credit score, getting good grades or <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/bundling-insurance\/\"><span style=\"font-weight: 400;\">bundling home and auto insurance<\/span><\/a><span style=\"font-weight: 400;\"> with the same insurer.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61f177c1a8b79\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What happens if I don\u2019t buy car insurance in New York?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">If you own or regularly operate a vehicle in New York, you likely need to have a car insurance policy. Car insurance is required by law, so driving without insurance is illegal. If you are caught, you could be facing fines, license suspension, and even jail time. If you cause an accident, you\u2019ll be responsible for paying for the damages you cause out of pocket, on top of the fines and other penalties associated with driving without insurance.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61f177d8a8b7a\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I get car insurance in New York?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Many companies offer online quotes, so you may be able to get a quote and buy a policy from the comfort of your own home. You might also have to call a company or visit a local agency. You\u2019ll need information about you, any other household members or drivers, and the vehicles you want to insure. Once you choose a quote to purchase, you might have to sign an application and make a payment to get the coverage started.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology\u00a0<\/h2>\n\n\n\n<p>Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies in New York (2025 update), our editorial team compared affordability (using statewide benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>), customer support and satisfaction (from the <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">2024 J.D. Power U.S. Auto Insurance Study<\/a>), coverage options, financial strength and online resources.<\/p>\n\n\n\n<p>As for average pricing, we referenced multiple 2025 rate studies of car insurance in New York rather than a single dataset. Where studies modeled \u201cfull coverage,\u201d details often included the following:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>When sources referenced minimum coverage, we aligned with New York\u2019s statutory minimums. Driver, vehicle and mileage assumptions vary by source and year, so your results may differ.<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>New York remains one of the costliest auto insurance markets, with recent 2025 studies placing average premiums around $3,100\u2013$3,700 per year for full coverage and about $1,300\u2013$1,700 for minimum coverage statewide, with New York City areas often substantially higher. Reviews.com analyzed current New York data \u2014 including pricing from Bankrate, ValuePenguin and Forbes Advisor, satisfaction [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":357307,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266,1263],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best New York Auto Insurance Companies | Reviews.com<\/title>\n<meta name=\"description\" content=\"New York\u2019s auto insurance rates are on the higher side \u2014 on average $1,361 per year, compared to the nationwide average of $1,009.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-new-york\/\" \/>\n<meta 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