Progressive has the lowest full-coverage price in New York among the five insurers we compared, at $96 a month ($1,155 a year). For the 25/50/10 liability coverage state law requires, Progressive is cheapest too, at $38 a month ($460 a year), with GEICO next at $80; other companies charge up to $236. This guide lines up those prices, shows the New York counties and ZIP codes where drivers pay the least, explains what Brooklyn drivers face and walks through the discounts New York requires insurers to give.
Figures cover one benchmark driver and use Quadrant Information Services rate data as of Sept. 30, 2026. They are sample prices, not quotes. Page updated Nov. 2, 2026. See our method
Cheapest Car Insurance in New York at a Glance
Lowest New York prices among the five insurers we compared
Full coverage at 100/300/100 limits
Progressive
$96/mo
$1,155 a year. New York average: $288.
Minimum liability (25/50/10)
Progressive
$38/mo
$460 a year. Next cheapest: GEICO, $80. New York average: $152.
50/100/50 with $500 deductibles
Progressive
$94/mo
$1,127 a year. Next cheapest: GEICO, $204. New York average: $271.
All prices on this page are for the same driver and car, so the differences come from each company’s own pricing and from where in New York the car is kept.
New York’s Lowest Prices at Each Coverage Level
“Cheap” means something different at each level of protection. These three cards show what the five companies charge, from the legal floor up to full coverage.
Step 1: The legal floor
25/50/10 liability only
Lowest price: Progressive, $38 a month ($460 a year)
Next cheapest: GEICO, $80. Other companies charge up to $236. State average $152 ($1,820 a year). Covers injuries and damage you cause; nothing for your own car.
Step 2: More protection
50/100/50, $500 deductibles
Lowest price: Progressive, $94 a month ($1,127 a year)
Next cheapest: GEICO, $204. Other companies charge up to $407. State average $271 ($3,256 a year). Double the minimum injury limits, five times the property limit.
Step 3: Top protection
100/300/100 with $500 deductibles
Lowest price: Progressive, $96 a month ($1,155 a year)
State average $288 ($3,457 a year). Adds 100/300 uninsured and underinsured motorist coverage.
Travelers has the highest price at all three levels. The table below gives every company’s figures side by side.
Price Your Coverage Level in New York
New York Car Insurance Companies Ranked by Price
Each bar is one company’s monthly full-coverage price for our benchmark driver. A shorter bar means a smaller bill.
GEICO$221
Allstate$336
State Farm$343
Travelers$444
100/300/100 liability, 100/300 uninsured and underinsured motorist coverage, $500 deductibles. All-company New York average: $288 a month.
| Insurer | Minimum liability 25/50/10 | 50/100/50 | Full coverage |
|---|---|---|---|
| Progressive | $38 ($460) | $94 ($1,127) | $96 ($1,155) |
| GEICO | $80 ($959) | $204 ($2,443) | $221 ($2,654) |
| Allstate | $226 ($2,708) | $327 ($3,918) | $336 ($4,036) |
| State Farm | $179 ($2,144) | $326 ($3,914) | $343 ($4,115) |
| Travelers | $236 ($2,827) | $407 ($4,881) | $444 ($5,327) |
| New York average, all five | $152 ($1,820) | $271 ($3,256) | $288 ($3,457) |
The order shifts with the coverage you pick. Allstate undercuts State Farm on full coverage ($336 versus $343) but charges more for minimum liability ($226 versus $179), so the company that looks cheaper for one policy may not be cheaper for yours. Progressive also drags the statewide figure down: take it out, and the remaining four companies average $336 a month ($4,033 a year) for full coverage instead of $288.
Minimum Liability vs. Full Coverage in New York
Going from the 25/50/10 legal minimum to full coverage raises the statewide average by $136 a month ($152 to $288), or $1,637 over a year. Nearly all of that increase comes at the first step up. Moving to 50/100/50 with $500 deductibles adds $119 a month on average, and stretching to 100/300/100 adds only $17 more. At Progressive the last step costs just $2 a month ($94 to $96); at Travelers it costs $37.
When the 25/50/10 minimum may be enough
- Your car is older and fully paid off.
- Savings would cover a repair or a replacement car if you caused a crash.
- Your main goal is staying legal at the lowest monthly cost.
When paying for more makes sense
- You have a car loan or lease; read the agreement for the coverage it requires.
- You own a home or have savings a lawsuit could reach. The Department of Financial Services suggests weighing higher liability limits against your needs and assets.
- You want more supplementary uninsured motorist (SUM) protection, which can’t exceed your own bodily injury limits.
Keep in mind that New York’s required no-fault coverage pays for injuries, not for damage to cars. Only collision and comprehensive coverage pay to fix or replace your own vehicle.
Cheapest Counties and ZIP Codes in New York
We price 59 New York counties, but a county makes these lists only if our data covers at least three of its ZIP codes. That leaves 47 counties. A † marks the 15 counties with three or four ZIP codes; with so few data points, treat their averages as approximate.
Lowest-priced New York counties for full coverage
| County | ZIP codes | Per month | Per year |
|---|---|---|---|
| Clinton County† | 3 | $157 | $1,882 |
| Chemung County | 5 | $163 | $1,959 |
| Saratoga County | 11 | $165 | $1,983 |
| Ontario County | 6 | $168 | $2,015 |
| Wayne County | 10 | $169 | $2,029 |
| Tioga County† | 3 | $170 | $2,042 |
| Washington County† | 4 | $171 | $2,050 |
| Steuben County | 5 | $172 | $2,066 |
| St. Lawrence County | 5 | $174 | $2,088 |
| Broome County | 8 | $174 | $2,090 |
| Most expensive: Kings County (Brooklyn) | 38 | $502 | $6,029 |
Lowest-priced New York counties for minimum liability
| County | ZIP codes | Per month | Per year |
|---|---|---|---|
| Clinton County† | 3 | $65 | $779 |
| St. Lawrence County | 5 | $68 | $815 |
| Steuben County | 5 | $69 | $827 |
| Franklin County† | 3 | $69 | $832 |
| Tioga County† | 3 | $70 | $842 |
| Livingston County† | 4 | $71 | $855 |
| Chenango County† | 3 | $72 | $862 |
| Herkimer County | 5 | $72 | $864 |
| Jefferson County | 5 | $72 | $869 |
| Tompkins County† | 4 | $73 | $874 |
| Most expensive: Kings County (Brooklyn) | 38 | $300 | $3,596 |
Clinton County, home to Plattsburgh, posts the lowest averages at both levels: $157 a month for full coverage and $65 for minimum liability. Those figures rest on only three ZIP codes. Among counties where we price five or more ZIP codes, Chemung County, around Elmira, is cheapest for full coverage at $163 a month, and St. Lawrence County is cheapest for minimum liability at $68. Six counties with only one or two ZIP codes in our data, Warren County among them, would otherwise rank in the top 10; we leave them off because the sample is too thin.
The distance between the top and bottom of the county list is wide. Brooklyn’s full-coverage average is $345 a month higher than Clinton County’s ($4,147 a year), or 220% more. For minimum liability the gap is $235 a month ($2,817 a year), with Brooklyn 362% above Clinton County.
Lowest-priced New York ZIP codes
| ZIP code | City | Per month | Per year |
|---|---|---|---|
| 12901 | Plattsburgh | $155 | $1,857 |
| 14526 | Penfield | $156 | $1,867 |
| 12962 | Morrisonville | $157 | $1,889 |
| 14450 | Fairport | $158 | $1,893 |
| 12972 | Peru | $158 | $1,901 |
| 14625 | Rochester | $160 | $1,917 |
| 14445 | East Rochester | $160 | $1,918 |
| 14580 | Webster | $160 | $1,925 |
| 12019 | Ballston Lake | $161 | $1,935 |
| 12801 | Glens Falls | $162 | $1,938 |
| Most expensive: 11212 | Brooklyn | $613 | $7,351 |
| ZIP code | City | Per month | Per year |
|---|---|---|---|
| 12972 | Peru | $65 | $776 |
| 12962 | Morrisonville | $65 | $780 |
| 12901 | Plattsburgh | $65 | $781 |
| 13662 | Massena | $66 | $795 |
| 13676 | Potsdam | $67 | $806 |
| 13617 | Canton | $67 | $808 |
| 12953 | Malone | $68 | $820 |
| 13367 | Lowville | $69 | $822 |
| 14843 | Hornell | $69 | $823 |
| 13642 | Gouverneur | $69 | $824 |
| Most expensive: 11212 | Brooklyn | $387 | $4,644 |
Two parts of the state dominate these lists. For full coverage, half of the 10 cheapest ZIP codes are in and around Rochester in Monroe County: Penfield, Fairport, East Rochester, Webster and Rochester’s 14625. For minimum liability, nine of the 10 sit in the North Country counties of Clinton, St. Lawrence, Franklin and Lewis. Across all 725 New York ZIP codes we price, full coverage ranges from $155 a month in Plattsburgh (12901) to $613 in Brooklyn’s 11212, a gap of $458 a month or $5,494 a year. Minimum liability ranges from $65 to $387, a $322 monthly gap ($3,868 a year).
Cheap Car Insurance in NYC: What Brooklyn Drivers Pay
Finding cheap car insurance in NYC is harder than anywhere else in the state, and Brooklyn’s numbers make the point. Kings County has the highest averages of the 47 counties on our lists at both coverage levels, based on 38 Brooklyn ZIP codes.
Brooklyn, full coverage
$502/mo
$6,029 a year; $214 a month above the New York average.
Brooklyn, minimum liability
$300/mo
$3,596 a year; $148 a month above the New York average.
ZIP code 11212, full coverage
$613/mo
The priciest of the 725 New York ZIP codes we price.
The coverage decision carries more weight in Brooklyn too. Dropping from full coverage to minimum liability lowers the Brooklyn average by $202 a month, compared with $136 statewide. Before you cut coverage, though, weigh what a 25/50/10 policy leaves uncovered in a city crash, especially if you have assets to protect.
Location matters because, as the Department of Financial Services explains, insurers sort drivers into risk groups using factors that include rating territory, age, annual mileage, how the car is used and driving experience. You can’t change your borough easily, so NYC drivers get the most from the steps that don’t depend on address: comparing several companies at identical limits, taking the DMV’s insurance-reduction course and confirming every required discount is on the policy.
Check Prices for Your New York ZIP Code
How No-Fault Coverage Works in New York
No-fault coverage, which you may also see labeled PIP for personal injury protection, comes with every New York policy. After a crash, it is designed to pay injury-related economic losses promptly, whoever caused the accident.
What it pays
- Up to $50,000 per person in total.
- Medical and rehabilitation bills.
- Lost wages, capped at $2,000 a month for no more than three years after the crash.
- Other reasonable costs, up to $25 a day for as long as a year.
What it leaves out
- Repairs to your car or anyone else’s.
- Other property damage.
- Pain and suffering, which you can pursue in court only with a “serious injury” as state insurance law defines it.
2026 changes to injury lawsuits
- For suits filed on or after May 26, 2026, the “90 of 180 days” category no longer counts as a serious injury.
- An injured person found more at fault than the other side can’t recover damages.
- If you share the blame and were driving a car you were required to insure but didn’t, pain-and-suffering damages are capped at $100,000 (a lapse of under 30 days is an exception).
You can still sue the at-fault driver for economic losses beyond what no-fault pays. Because property damage sits outside no-fault, the $10,000 property damage minimum is what pays for another driver’s car when you’re to blame.
Sources: New York State Department of Financial Services (DFS), Auto insurance consumer guide and Insurance Circular Letter No. 3 (2026); New York Insurance Law Section 5102.
New York Minimum Car Insurance Requirements
The least you can legally carry in New York is more than liability alone. Every policy needs these four pieces.
| Coverage | Minimum |
|---|---|
| Bodily injury liability | $25,000 for one person and $50,000 for everyone hurt in one accident; $50,000 and $100,000 when injuries are fatal |
| Property damage liability | $10,000 per accident |
| No-fault (personal injury protection) | $50,000 for each injured person |
| Uninsured motorist (bodily injury) | Same minimums as bodily injury liability: $25,000 and $50,000 |
| Shorthand | 25/50/10 liability plus no-fault and uninsured motorist coverage |
- SUM coverage: on a new policy, insurers include supplementary uninsured/underinsured motorist coverage equal to your bodily injury limits unless you sign a waiver turning it down or choosing less. Existing customers get a written reminder about it at least once a year.
- Insurer and proof: your policy must come from a company licensed in New York; out-of-state insurance isn’t accepted. Insurers file proof of your policy with the DMV electronically, and yours may give you a paper or electronic ID card you can show on a phone.
- If coverage lapses: the DMV suspends the car’s registration for a period equal to the uninsured days, and a lapse longer than 90 days suspends your license too. For lapses of 90 days or less, you may instead pay a civil penalty of $8 a day for days 1–30, $10 for days 31–60 and $12 for days 61–90, an option you can use once every 36 months.
- Driving uninsured: up to $1,500 in traffic court fines. After a crash without insurance, the DMV revokes both your license and registration for a year or more, and reinstating the license requires a $750 civil penalty.
Sources: DFS, How much auto insurance must I carry? and Auto insurance consumer guide; New York DMV, Auto liability insurance; New York Vehicle and Traffic Law Section 311.
Ways to Pay Less for Car Insurance in New York
- Collect prices from more than one company. For one driver and one car, New York full coverage runs from $96 to $444 a month across the five companies we compared, and minimum liability from $38 to $236.
- Start your list with the two lowest full-coverage prices. Progressive has the lowest and GEICO the second-lowest among the five companies in our data. For minimum liability, compare all five, since Allstate and State Farm switch places at that level.
- Take a defensive driving course. Under New York’s Point and Insurance Reduction Program, finishing a DMV-approved course lowers the base rate of your premium by 10% each year for three years, and it can take up to four points off your record. Repeat the course every 36 months to keep the discount going.
- Claim the discounts the state requires. According to the Department of Financial Services, the course discount applies to liability, collision and no-fault coverage, and you’re also entitled to discounts for anti-lock brakes, daytime running lamps, air bags or seat belts and anti-theft devices.
- Price the 50/100/50 and full-coverage packages together. Statewide, going up a level to 100/300/100 costs just $17 a month more on average, and only $2 more at Progressive.
- Revisit deductibles and older-car coverage. The Department of Financial Services suggests raising collision and comprehensive deductibles, or dropping those coverages on an older car. Our full-coverage prices assume $500 deductibles.
- Read your declarations page. Check that your address, drivers, vehicles and discounts are listed correctly, and tell your insurer about changes.
- Never let your policy lapse. A gap brings daily civil penalties or a registration suspension, and since May 2026 an uninsured at-fault driver can face a cap on injury damages.
New York Car Insurance Rule Changes in 2026
Two state actions this year affect what New York drivers pay.
- Approval before rate increases: starting Nov. 27, 2026, auto insurers must get the Department of Financial Services’ approval before raising their overall rates. The prices on this page use rates as of Sept. 30, 2026, which predate that rule.
- Savings from the 2026 reforms: the department has told insurers to build the expected claim savings from this year’s lawsuit and fraud reforms into their pending and future rate filings.
Neither change guarantees a lower bill for any one driver, so it pays to compare prices again at your next renewal.
Sources: DFS Insurance Circular Letter No. 3 (2026) and Sept. 9, 2026, press release.
Compare New York Car Insurance Quotes
Our prices describe one benchmark driver. Your own quotes depend on your car, your record, who drives it and the ZIP code where it’s kept. For a fair comparison:
- Request identical bodily injury and property damage limits from every company.
- Keep the collision and comprehensive deductibles the same.
- Choose one SUM amount and use it in every quote, since new policies include it at your liability limits unless you waive it.
- Give each company the same drivers, vehicles and garaging address.
Start Comparing New York Quotes
Cheap Car Insurance in New York Cities
Our lowest New York prices turn up in smaller upstate cities and suburbs such as Plattsburgh, Penfield, Fairport and Webster, while the highest county and ZIP code averages are in Brooklyn. For a city-level look upstate, read our guide to cheap car insurance in Buffalo.
How We Found These Prices
Car insurers in New York file their rates and rating rules with the state. Quadrant Information Services applies those filed rules to calculate the premium each company would charge a set driver, and CheapCarInsurance.net studies the results. These New York prices use the rates insurers had in place on Sept. 30, 2026.
- The driver: a 40-year-old single man, licensed for 24 years, with good credit and a clean record, driving a 2024 Toyota Camry LE he owns, for personal use.
- The coverage: three packages. The first is New York’s 25/50/10 liability minimum, the second is 50/100/50 liability carrying $500 deductibles, and full coverage pairs 100/300/100 liability limits with 100/300 uninsured and underinsured motorist protection and $500 deductibles.
- The sample: five insurers priced in all 725 New York ZIP codes we cover, across 59 counties, for 3,625 prices at each coverage level.
- The math: in each ZIP code we use each company’s lowest price for the driver, then average across ZIP codes. State, county and ZIP figures include all five companies. We get monthly figures by dividing each yearly price by 12 and rounding to the nearest dollar.
- Naming the cheapest: we only consider companies that sell to every driver and are priced in 50% or more of New York ZIP codes. At each coverage level we name the company with the lowest average price among the five we compared.
- Places: a county needs a minimum of three priced ZIP codes to appear in our county tables; † flags the ones with three or four.
These are modeled prices for a single driver profile. They aren’t quotes or offers, and your price will depend on your location, vehicle, record, coverage choices and discounts.
Cheap Car Insurance in New York: Common Questions
Who has the cheapest car insurance in New York right now?
Progressive wins at every level among the five insurers in our New York comparison (rates dated Sept. 30, 2026): $96 a month for full coverage, $94 for 50/100/50 and $38 for 25/50/10 liability. GEICO is next at $221, $204 and $80. Allstate, State Farm and Travelers charge more at each level.
Is $200 a month a lot for car insurance in New York?
Not for full coverage on our numbers. The five-insurer average is $288 a month, so $200 is $88 under it, though $104 over Progressive’s $96. Location matters a great deal: ZIP-code averages run from $155 in Plattsburgh to $613 in Brooklyn’s 11212, and Kings County (Brooklyn) averages $502.
Is GEICO or Progressive cheaper in New York?
Progressive is cheaper at every level we priced. Full coverage is $96 a month against GEICO’s $221, 50/100/50 is $94 against $204, and 25/50/10 liability is $38 against $80. GEICO is the second-cheapest of the five insurers at each level, so it is the natural second quote to collect.
What is the cheapest car insurance that’s legal in New York?
A minimum policy: 25/50/10 liability plus $50,000 of no-fault protection and 25/50 uninsured motorist coverage. Among the five companies we compared, Progressive is cheapest for our benchmark driver at $38 a month, with GEICO next at $80; other companies charge up to $236, and the statewide average is $152 a month, or $1,820 a year.
What is the minimum car insurance in New York?
New York requires 25/50/10 liability, which is $25,000 per person and $50,000 per accident for injuries plus $10,000 for property damage ($50,000 and $100,000 when injuries are fatal). Every policy also carries $50,000 of no-fault protection and 25/50 uninsured motorist coverage, per the Department of Financial Services. Our minimum liability package matches those liability limits.
Why is car insurance so expensive in New York?
Our data shows how much prices differ across the state, not the causes. Kings County (Brooklyn) averages $502 a month for full coverage against $157 in Clinton County, and Brooklyn’s 11212 reaches $613. The Department of Financial Services says insurers group drivers by factors including rating territory, age, annual mileage, vehicle use and driving experience.
Is 50/100/50 enough car insurance in New York?
That depends on your assets and risk, so we do not say. The 50/100/50 package carries twice the required 25/50 injury limits and five times the $10,000 property damage minimum, and it averages $271 a month, $17 under full coverage’s $288. Progressive is lowest at $94. Liability limits pay others for a crash you cause, never your own car.
How much is full coverage car insurance in New York?
Full coverage averages $288 a month, or $3,457 a year, averaged over our five insurers, and Progressive is cheapest at $96, or $1,155 a year. That means 100/300/100 liability, 100/300 uninsured and underinsured motorist coverage and $500 deductibles on collision and comprehensive, priced for one benchmark driver.
Is liability coverage full coverage?
No, they are different. Liability pays for harm you cause others, while a policy people call “full coverage” pairs it with collision and comprehensive for the car you own, according to Triple-I, the Insurance Information Institute. Our New York prices: minimum liability 25/50/10 costs $38 a month at the cheapest and $152 on average, versus $96 and $288 for full coverage.
How much more is full coverage than minimum liability in New York?
On average, $136 a month, or $1,637 a year: full coverage averages $288 a month and 25/50/10 liability $152. Most of the gap comes at the first step up, to 50/100/50 with $500 deductibles. Stepping up to 100/300/100 full coverage from 50/100/50 costs just $17 more a month statewide.
Where is car insurance cheapest in New York?
Clinton County, which includes Plattsburgh, has the lowest county averages, $157 monthly for full coverage and $65 for the 25/50/10 minimum, though only three ZIP codes are in our data. Among better-sampled counties, Chemung leads for full coverage at $163. Plattsburgh’s 12901 is the cheapest single ZIP code, at $155.
How much does car insurance cost in Brooklyn?
Kings County, which is Brooklyn, averages $502 a month for full coverage and $300 for minimum liability for our benchmark driver, the highest of the 47 New York counties on our lists. Brooklyn’s 11212 ZIP code is the most expensive in the state, at $613 a month for full coverage.
What does no-fault insurance cover in New York?
No-fault, or personal injury protection, covers each injured person for up to $50,000 in total, whoever caused the crash. That includes medical bills, a daily allowance of up to $25 for other reasonable costs for one year and lost wages of up to $2,000 a month for as long as three years. Car repairs aren’t included.
How can I lower my car insurance bill in New York?
Compare several companies at the same limits, since full-coverage prices in our data stretch from $96 to $444 a month. Then take a DMV-approved defensive driving course, which cuts your premium’s base rate by 10% a year for three years, and check that required discounts, like those for anti-lock brakes, are applied.
What happens if you drive without insurance in New York?
Drivers face traffic-court fines of up to $1,500, and the DMV suspends the registration for as long as the coverage lapsed. A lapse of 91 days or more also suspends the license, with a $50 termination fee. After a crash while uninsured, license and registration are revoked for at least a year, with a $750 civil penalty to restore the license, per the DMV.
How do points affect car insurance in New York?
The DMV can suspend a license at 11 points within 24 months, counted from the violation date. Speeding 1 to 10 over costs 3 points, 11 to 20 over costs 4, 21 to 30 over costs 6, reckless driving and cell phone use cost 5, and red-light violations cost 3, per the DMV point system. Our prices assume a clean record.
- About the CCI Author
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Michael Giusti, MBA, is a senior contributor who writes in-depth content about state-level auto insurance rules, pricing trends, and savings opportunities for drivers. His expertise supports data-rich rate guides to help you find the cheapest auto coverage quotes on CheapCarInsurance.net.