Key Takeaways: The Cheapest Car Insurance in New York

  • Allstate has the overall cheapest car insurance in New York across a variety of driving records, based on the companies in our analysis.
  • Progressive and New York Central Mutual Fire have the overall cheapest car insurance in New York for good drivers, based on the companies in our analysis.

The Cheapest Car Insurance Companies in New York for Good Drivers

Cheapest for... Company Average monthly cost in New York Learn More
20-year-olds
Progressive
$221
Via Forbes Advisor's Partner
30-year-olds
Progressive
$132
Via Forbes Advisor's Partner
40-year-olds
Progressive
$127
Via Forbes Advisor's Partner
50-year-olds
Progressive
$116
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60-year-olds
Progressive
$112
Via Forbes Advisor's Partner
70-year-olds
Progressive
$127
Via Forbes Advisor's Partner
80-year-olds
Progressive
$130
Via Forbes Advisor's Partner
Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state.
Source: Quadrant Information Services.
*In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

 

Cheap Car Insurance for 20-Year-Olds in New York

Young drivers in New York can face steep insurance rates, especially if you’re not on a parent’s auto insurance policy. In New York, these insurers had the cheapest car insurance according to our analysis.

Cheapest Full Coverage Car Insurance for 20-Year-Olds in New York

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Progressive: $221 a month
  2. New York Central Mutual Fire: $256 a month
  3. Allstate: $278 a month
  4. Erie: $328 a month
  5. Mercury: $399 a month

Cheapest Minimum Coverage for 20-Year-Olds in New York

If you’re looking for only the required auto insurance in New York, check prices from these companies.

  1. New York Central Mutual Fire: $76 a month
  2. Progressive: $86 a month
  3. National Grange Mutual: $89 a month
  4. Allstate: $99 a month
  5. Geico: $105 a month

Cheapest Auto Insurance for 20-Year-Olds in New York With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

  1. Allstate: $278 a month
  2. Geico: $474 a month
  3. Chubb: $620 a month
  4. New York Central Mutual Fire: $625 a month
  5. Erie: $696 a month

Cheapest Auto Insurance for 20-Year-Olds in New York With a Speeding Ticket

Be prepared for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in New York for drivers with a speeding ticket.

  1. Progressive: $245 a month
  2. New York Central Mutual Fire: $312 a month
  3. Allstate: $347 a month
  4. Erie: $367 a month
  5. Preferred Mutual: $436 a month

Cheapest Car Insurance in New York for 20-Year-Olds With an At-Fault Accident

Below are the cheapest insurers we found for New York drivers who caused an accident that injured someone else.

  1. Progressive: $247 a month
  2. New York Central Mutual Fire: $312 a month
  3. Allstate: $376 a month
  4. Mercury: $466 a month
  5. Erie: $487 a month

Cheapest Auto Insurance for 20-Year-Olds in New York After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in New York who have a DUI conviction.

  1. Progressive: $229 a month
  2. New York Central Mutual Fire: $385 a month
  3. Allstate: $489 a month
  4. Erie: $501 a month
  5. State Farm: $502 a month

Cheap Car Insurance for 30-Year-Olds in New York

Drivers age 30 in New York can find steep insurance quotes depending on their driving record. Here’s a look at the best companies for a variety of common driving records.

Cheapest Full Coverage Car Insurance for 30-Year-Olds in New York

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Progressive: $132 a month
  2. New York Central Mutual Fire: $166 a month
  3. Allstate: $187 a month
  4. Preferred Mutual: $201 a month
  5. Sterling: $215 a month

Cheapest Minimum Coverage for 30-Year-Olds in New York

If you’re looking for only the required auto insurance in New York, check quotes from these companies.

  1. Progressive: $48 a month
  2. Sterling: $56 a month
  3. New York Central Mutual Fire: $58 a month
  4. National Grange Mutual: $59 a month
  5. Utica National: $70 a month

Cheapest Auto Insurance for 30-Year-Olds in New York With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

  1. Allstate: $208 a month
  2. Geico: $341 a month
  3. Preferred Mutual: $360 a month
  4. Chubb: $380 a month
  5. Sterling: $425 a month

Cheapest Auto Insurance for 30-Year-Olds in New York With a Speeding Ticket

Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in New York for drivers with a speeding ticket.

  1. Progressive: $155 a month
  2. New York Central Mutual Fire: $199 a month
  3. Allstate: $227 a month
  4. Preferred Mutual: $254 a month
  5. Erie: $277 a month

Cheapest Car Insurance in New York for 30-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for New York drivers who caused an accident that injured someone else.

  1. Progressive: $170 a month
  2. New York Central Mutual Fire: $199 a month
  3. Allstate: $248 a month
  4. Preferred Mutual: $295 a month
  5. State Farm: $309 a month

Cheapest Auto Insurance for 30-Year-Olds in New York After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in New York who have a DUI conviction.

  1. Progressive: $138 a month
  2. New York Central Mutual Fire: $276 a month
  3. State Farm: $286 a month
  4. Allstate: $315 a month
  5. Erie: $389 a month

Cheap Car Insurance for 40-Year-Olds in New York

New York drivers age 40 can typically save significant money by comparing quotes from multiple insurers. We looked at which insurers offer the cheapest quotes in New York, depending on your driving record.

Cheapest Full Coverage Car Insurance for 40-Year-Olds in New York

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Progressive: $127 a month
  2. New York Central Mutual Fire: $166 a month
  3. Allstate: $187 a month
  4. Preferred Mutual: $201 a month
  5. Sterling: $215 a month

Cheapest Minimum Coverage for 40-Year-Olds in New York

If you’re looking for only the required auto insurance in New York, check rates from these companies.

  1. Progressive: $47 a month
  2. New York Central Mutual Fire: $54 a month
  3. National Grange Mutual: $55 a month
  4. Sterling: $56 a month
  5. Erie: $66 a month

Cheapest Auto Insurance for 40-Year-Olds in New York With Poor Credit

Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

  1. Allstate: $187 a month
  2. Geico: $341 a month
  3. Preferred Mutual: $360 a month
  4. Chubb: $362 a month
  5. New York Central Mutual Fire: $394 a month

Cheapest Auto Insurance for 40-Year-Olds in New York With a Speeding Ticket

Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in New York for drivers with a speeding ticket.

  1. Progressive: $150 a month
  2. New York Central Mutual Fire: $198 a month
  3. Allstate: $227 a month
  4. Preferred Mutual: $254 a month
  5. Erie: $258 a month

Cheapest Car Insurance in New York for 40-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for New York drivers who caused an accident that injured someone else.

  1. Progressive: $165 a month
  2. New York Central Mutual Fire: $198 a month
  3. Allstate: $248 a month
  4. Preferred Mutual: $295 a month
  5. State Farm: $303 a month

Cheapest Auto Insurance for 40-Year-Olds in New York After a DUI

Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in New York who have a DUI conviction.

  1. Progressive: $133 a month
  2. New York Central Mutual Fire: $239 a month
  3. State Farm: $278 a month
  4. Allstate: $315 a month
  5. Erie: $363 a month

Cheap Car Insurance for 50-Year-Olds in New York

New York drivers in their 50s are enjoying the lowest rates they’ll get based on age. But an imperfect driving record can make cheap car insurance a challenge to find.

Cheapest Full Coverage Car Insurance for 50-Year-Olds in New York

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Progressive: $116 a month
  2. Preferred Mutual: $129 a month
  3. New York Central Mutual Fire: $133 a month
  4. Allstate: $175 a month
  5. Sterling: $182 a month

Cheapest Minimum Coverage for 50-Year-Olds in New York

If you’re looking for only the required auto insurance in New York, check prices from these companies.

  1. Progressive: $41 a month
  2. Sterling: $48 a month
  3. New York Central Mutual Fire: $52 a month
  4. National Grange Mutual: $55 a month
  5. Erie: $59 a month

Cheapest Auto Insurance for 50-Year-Olds in New York With Poor Credit

Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

  1. Allstate: $175 a month
  2. Preferred Mutual: $297 a month
  3. Geico: $343 a month
  4. Chubb: $353 a month
  5. Sterling: $359 a month

Cheapest Auto Insurance for 50-Year-Olds in New York With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in New York for drivers with a speeding ticket.

  1. Progressive: $139 a month
  2. New York Central Mutual Fire: $180 a month
  3. Preferred Mutual: $206 a month
  4. Allstate: $211 a month
  5. Erie: $239 a month

Cheapest Car Insurance in New York for 50-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for New York drivers who caused an accident that injured someone else.

  1. Progressive: $154 a month
  2. New York Central Mutual Fire: $180 a month
  3. Allstate: $231 a month
  4. Preferred Mutual: $249 a month
  5. Sterling: $285 a month

Cheapest Auto Insurance for 50-Year-Olds in New York After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in New York who have a DUI conviction.

  1. Progressive: $123 a month
  2. New York Central Mutual Fire: $218 a month
  3. State Farm: $269 a month
  4. Allstate: $293 a month
  5. Erie: $338 a month

 

Cheap Car Insurance for 60-Year-Olds in New York

Auto insurance rates often begin to increase around age 65, even if you have a great driving record. We found the cheapest companies for New York drivers at age 60.

Cheapest Full Coverage Car Insurance for 60-Year-Olds in New York

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Progressive: $112 a month
  2. Preferred Mutual: $129 a month
  3. New York Central Mutual Fire: $131 a month
  4. Allstate: $177 a month
  5. Sterling: $182 a month

Cheapest Minimum Coverage for 60-Year-Olds in New York

If you’re looking for only the minimum auto insurance in New York, check quotes from these companies.

  1. Progressive: $39 a month
  2. Sterling: $48 a month
  3. New York Central Mutual Fire: $53 a month
  4. Erie: $54 a month
  5. National Grange Mutual: $57 a month

Cheapest Auto Insurance for 60-Year-Olds in New York With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest costs in our analysis.

  1. Allstate: $177 a month
  2. Preferred Mutual: $245 a month
  3. Chubb: $310 a month
  4. Geico: $343 a month
  5. New York Central Mutual Fire: $358 a month

Cheapest Auto Insurance for 60-Year-Olds in New York With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in New York for drivers with a speeding ticket.

  1. Progressive: $135 a month
  2. New York Central Mutual Fire: $179 a month
  3. Preferred Mutual: $206 a month
  4. Allstate: $216 a month
  5. Erie: $228 a month

Cheapest Car Insurance in New York for 60-Year-Olds With an At-Fault Accident

Below are the cheapest options we found for New York drivers who caused an accident that injured someone else.

  1. Progressive: $150 a month
  2. New York Central Mutual Fire: $179 a month
  3. Allstate: $235 a month
  4. Preferred Mutual: $249 a month
  5. State Farm: $271 a month

Cheapest Auto Insurance for 60-Year-Olds in New York After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in New York who have a DUI conviction.

  1. Progressive: $119 a month
  2. New York Central Mutual Fire: $218 a month
  3. State Farm: $249 a month
  4. Allstate: $301 a month
  5. Erie: $325 a month

Cheap Car Insurance for 70-Year-Olds in New York

New York drivers age 70 are looking at higher rates due to age. But relatively cheap auto insurance can still be found by comparing rates from a few companies.

Cheapest Full Coverage Car Insurance for 70-Year-Olds in New York

We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

  1. Progressive: $127 a month
  2. Preferred Mutual: $141 a month
  3. New York Central Mutual Fire: $145 a month
  4. Allstate: $183 a month
  5. Sterling: $203 a month

Cheapest Minimum Coverage for 70-Year-Olds in New York

If you’re looking for only the minimum auto insurance in New York, check rates from these companies.

  1. Progressive: $46 a month
  2. Sterling: $49 a month
  3. New York Central Mutual Fire: $59 a month
  4. Erie: $62 a month
  5. Utica National: $64 a month

Cheapest Auto Insurance for 70-Year-Olds in New York With Poor Credit

Poor credit can cause a large increase in auto insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

  1. Allstate: $183 a month
  2. Preferred Mutual: $297 a month
  3. Chubb: $323 a month
  4. Sterling: $335 a month
  5. Utica National: $373 a month

Cheapest Auto Insurance for 70-Year-Olds in New York With a Speeding Ticket

Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in New York for drivers with a speeding ticket.

  1. Progressive: $158 a month
  2. New York Central Mutual Fire: $177 a month
  3. Preferred Mutual: $181 a month
  4. Allstate: $224 a month
  5. Erie: $241 a month

Cheapest Car Insurance in New York for 70-Year-Olds With an At-Fault Accident

Below are the cheapest companies we found for New York drivers who caused an accident that injured someone else.

  1. Progressive: $174 a month
  2. New York Central Mutual Fire: $177 a month
  3. Allstate: $244 a month
  4. Preferred Mutual: $250 a month
  5. Sterling: $269 a month

Cheapest Auto Insurance for 70-Year-Olds in New York After a DUI

Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in New York who have a DUI conviction.

  1. Progressive: $136 a month
  2. New York Central Mutual Fire: $247 a month
  3. State Farm: $263 a month
  4. Allstate: $315 a month
  5. Erie: $340 a month

Featured Car Insurance Partners

1

Progressive

Auto insurance rates

OK

Collision repair grade

C

Complaint level

OK

1

Progressive

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2

Geico

Auto insurance rates

Good

Collision repair

C-

Complaint level

Low

2

Geico

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3

State Farm

Auto insurance rates

Very good

Collision repair

C

Complaint level

Low

3

State Farm

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Cheapest Car Insurance In New York, New York

Cheapest for... Company Average monthly cost in New York Learn More
Good drivers
Main Street America
$117
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Drivers with a speeding ticket
Main Street America
$122
Via Forbes Advisor's Partner
Drivers who caused an accident with injury
Main Street America
$157
Via Forbes Advisor's Partner
Drivers with a DUI
Main Street America
$146
Via Forbes Advisor's Partner
Driver with poor credit
Geico
$271
Via Forbes Advisor's Partner
Average rates are based on a 40-year-old female with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Source: Quadrant Information Services. *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

Cheapest Car Insurance In Buffalo, New York

Cheapest for . . . Company Average monthly cost in Buffalo Learn More
Good drivers
Progressive
$101
Via Forbes Advisor's Partner
Drivers with a speeding ticket
Progressive
$120
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Drivers who caused an accident with injury
Progressive
$130
Via Forbes Advisor's Partner
Drivers with a DUI
Progressive
$106
Via Forbes Advisor's Partner
Driver with poor credit
Allstate
$160
Via Forbes Advisor's Partner
Average rates are based on a 40-year-old female with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Source: Quadrant Information Services. *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

Cheapest Car Insurance In Rochester, New York

Cheapest for . . . Company Average monthly cost in Rochester Learn More
Good drivers
Progressive
$80
Via Forbes Advisor's Partner
Drivers with a speeding ticket
Progressive
$95
Via Forbes Advisor's Partner
Drivers who caused an accident with injury
Progressive
$106
Via Forbes Advisor's Partner
Drivers with a DUI
Progressive
$83
Via Forbes Advisor's Partner
Driver with poor credit
Allstate
$132
Via Forbes Advisor's Partner

Buy Cheap Car Insurance in New York

Finding low-cost car insurance in New York can be done by using these guidelines. An ideal car insurance policy for you will have a good price and coverage features that address your needs.

Check Quotes from Multiple Car Insurance Companies

Car insurance quotes can vary significantly among companies in New York. That means comparing quotes from multiple companies is essential to finding cheap car insurance in New York.

Consider Switching Companies If Your Driving Record Changes

If your driving record changes, you might find that your New York car insurance company no longer has cheap insurance for you. If you’ve gotten a ticket or caused an auto accident, you may need to switch car insurance companies to get a lower cost.

Regularly Review Your Car Insurance Coverage

As your life changes, so do your coverage needs. Take a look at your New York auto insurance policy to make sure your current coverage aligns with your needs. Review your coverage types, the limits for each coverage type and your deductible amounts. Trim unnecessary extras, such as roadside assistance, to save money.

Rethink Your Deductible

If you have collision and comprehensive insurance, you have a car insurance deductible. The deductible you choose affects your premiums and potential out-of-pocket expenses if your vehicle is damaged or stolen. Think about raising the deductible to get cheaper car insurance. Keep in mind that a larger deductible will mean you pay a higher portion of car repair costs if you make a claim.

Keep an Eye on Car Insurance Discounts

Many car insurance discounts are subtracted from your policy automatically, but there may be other car insurance discounts your insurer doesn’t know you’re eligible for. Ask your insurance company for a review of possible discounts. For example, if you are working from home or retired and are driving fewer annual miles, you may be eligible for a cheaper car insurance rate.

Harness the Power of Bundling

Maximize your savings by bundling car insurance with other policies from the same insurance company. Whether it’s New York auto and homeowners insurance or car insurance paired with condo or renters insurance, bundling can lead to a significant cost reduction, often averaging around 14%, based on our analysis.

Optimize Your Insurance Payment Strategy

Auto insurance companies often provide small discounts based on how you’re paying your New York car insurance bill. Look for these discounts:

  • Paying for the whole policy term up-front.
  • Using EFT if you’re paying monthly.
  • Going paperless for both billing and policy documents.

Cheap Car Insurance Companies 2025

With so many choices for car insurance companies, it can be hard to know where to start to find the right car insurance. We've evaluated insurers to find the cheapest car insurance companies, so you don't have to.

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