Cheap Car Insurance in New York 2019
Average New York auto insurance premiums by company
| Company Click to see reviews | Average annual premium in New York |
|---|---|
| Kemper | $1,564 |
| Safeco | $1,670 |
| Erie Insurance | $1,679 |
| Travelers Insurance | $1,748 |
| Tri-State Consumer Insurance | $1,844 |
| The Hartford | $1,851 |
| Amica | $1,856 |
| AAA Insurance/Auto Club | $1,872 |
| MetLife | $1,899 |
| Allstate | $1,990 |
| USAA (must have a military affiliation to apply) | $2,010 |
| Nationwide Insurance | $2,060 |
| Liberty Mutual | $2,079 |
| 21st Century Insurance | $2,122 |
| Farmers | $2,139 |
| State Farm | $2,164 |
| Esurance | $2,182 |
| American National | $2,251 |
| Mercury Insurance | $2,362 |
| National General | $2,367 |
| Progressive Insurance | $2,373 |
| COUNTRY | $2,629 |
Insurance increase after a speeding ticket
New York drivers who get a speeding ticket end up paying an average insurance increase of 20%, less than the nationwide average increase.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| New York | $2,153/year | $2,592/year | 20% |
| Nationwide average | 26% | ||
Insurance increase after an accident
New York drivers who cause an accident get an average insurance increase of 22%, less than the national average.
| State | Clean driving record | Chargeable accident, no injury | % increase |
|---|---|---|---|
| New York | $2,153/year | $2,636/year | 22% |
| Nationwide average | 36% | ||
Insurance increase after a DUI
If you're convicted of a DUI in New York, the average premium increase at renewal time is 22%.
| Clean record | DUI | % increase | |
|---|---|---|---|
| New York | $2,153/year | $2,632/year | 22% |
Average premiums in New York cities
Car owners in Springfield Gardens, a neighborhood in Queens, pay the most for auto insurance among the New York cities we examined.
| City | Average annual premium |
|---|---|
| Albany | $1,932 |
| Amityville | $2,301 |
| Arverne | $2,514 |
| Astoria | $2,247 |
| Auburn | $1,675 |
| Bay Shore | $2,319 |
| Binghamton | $1,590 |
| Brentwood | $2,392 |
| Bronx | $2,610 |
| Brooklyn | $2,524 |
| Buffalo | $2,019 |
| Central Islip | $2,511 |
| Corona | $2,402 |
| East Elmhurst | $2,368 |
| Elmhurst | $2,177 |
| Elmira | $1,587 |
| Elmont | $2,583 |
| Endicott | $1,603 |
| Far Rockaway | $2,563 |
| Flushing | $2,238 |
| Forest Hills | $2,042 |
| Freeport | $2,502 |
| Hempstead | $2,528 |
| Huntington Station | $2,430 |
| Ithaca | $1,542 |
| Jamaica | $2,687 |
| Jamestown | $1,546 |
| Liverpool | $1,552 |
| Lockport | $1,898 |
| Long Beach | $2,291 |
| Middletown | $2,165 |
| Mount Vernon | $2,552 |
| New Rochelle | $2,154 |
| New York | $2,282 |
| Newburgh | $2,033 |
| Niagara Falls | $1,748 |
| Ozone Park | $2,531 |
| Patchogue | $2,037 |
| Poughkeepsie | $2,055 |
| Queens Village | $2,557 |
| Ridgewood | $2,519 |
| Rochester | $1,800 |
| Rome | $1,495 |
| Saint Albans | $2,736 |
| Schenectady | $1,777 |
| South Ozone Park | $2,508 |
| South Richmond Hill | $2,412 |
| Spring Valley | $2,223 |
| Springfield Gardens | $2,817 |
| Staten Island | $2,335 |
| Syracuse | $1,911 |
| Tonawanda | $1,694 |
| Troy | $1,862 |
| Uniondale | $2,648 |
| Utica | $1,842 |
| Valley Stream | $2,666 |
| Watertown | $1,585 |
| West Babylon | $2,297 |
| Westbury | $2,078 |
| White Plains | $2,092 |
| Woodside | $2,285 |
| Yonkers | $2,338 |
You must show your insurance ID card (or other proof of financial responsibility) in New York when:
- Law enforcement requests it
- You renew vehicle registration
Penalties for not having car insurance in New York
- Fine of $150 to $1,500, up to 15 days in jail, or both.
- Must also pay a $750 civil penalty.
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 22, 2019