Best Car Insurance in New York 2021

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  • Real quotes for Jerry customers in New York, New York
  • Best Car Insurance Carriers in New York, New York
  • Minimum-coverage car insurance in New York
  • Full-coverage car insurance in New York
  • How does your age affect your auto insurance cost in New York?
  • Cheapest car insurance for drivers in New York with prior incidents
  • Cheapest car insurance for young drivers in New York with prior incidents
  • How can you save money on car insurance in New York
  • Does your rate depend on what part of New York you live in?
  • Methodology

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DEFAULT TEXT for New York, New York

Car insurance in New York New Yorkcosts single-car drivers an average of $4,702.57 annually, or about $391.88 per month. Compared to the state annual average of $4,096.29 , auto insurance in [city] is $606.28 higher.

Here’s how much real Jerry customers pay for insurance in New York:

Real quotes for Jerry customers in New York, New York

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
March 14, 2021Mercedes-Benz C 300 4MaticNY46
Infinity
Basic$295/mo.$78/mo.
March 14, 2021Mercedes-Benz C 300 4MaticNY46
Infinity
Basic$295/mo.$78/mo.
May 31, 2021Jeep Grand Cherokee LimitedNY47ProgressiveBasic$153/mo.$121/mo.
May 22, 2021Mitsubishi Outlander Sport SENY50TravelersCurrent$209/mo.$132/mo.
March 4, 2021Honda Cr-V LXNY26NationwideStandard$240/mo.$147/mo.
The best way to secure the right plan for lower premiums in New York is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers in [city] have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in New York, New York

Insurance Company
Before Jerry
After Jerry
Kemper
$2,307$1,345
Nationwide$3,080$1,863
State Auto
$4,800$2,558
National General
$4,513$2,860
Safeco$4,153$2,956
Travelers$4,165$3,117
Allstate$4,730$3,382

Minimum-coverage car insurance in New York

On average, the cost of minimum coverage car insurance in New York is $4,559.63 per year, or $379.97 per month.

The minimum level of car insurance required in [city] is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in New York:
Before Jerry
After Jerry
$4,470$3,053
Insurance Company
Before Jerry
After Jerry
Safeco$1,500$1,254
Nationwide$2,410$1,710
Allstate$3,149$2,336
Progressive$5,301$4,305
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Full-coverage car insurance in New York

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in New York:
Before Jerry
After Jerry
$1,920$1,602
Insurance Company
Before Jerry
After Jerry
Nationwide$2,380$1,872
Safeco$5,856$5,574
Allstate$6,888$5,853
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How does your age affect your auto insurance cost in New York?

If you’re a driver under 25 in New York, you could be paying as much as $213.30 more than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in [New York saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$6,247$5,232
21-24$7,328$5,431
Here’s how much drivers aged 25 and over in [city] pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$4,664$3,437
35-44$4,708$3,270
45-54$4,830$3,842
55-64$5,251$2,279
65+$1,452$885
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Cheapest car insurance for drivers in New York with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in New York saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$4,734$3,245
Failure to Obey Traffic Sign$3,540$1,632
Speeding over 15$3,617$2,318
Speeding under 15$4,056$2,616
Other$5,352$4,912
Insurance Company
Before Jerry
After Jerry
Nationwide$2,970$1,984
Allstate$4,256$3,398
Safeco$5,160$3,611
Travelers$4,570$3,722
Progressive$6,043$4,792

Cheapest car insurance for young drivers in New York with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$7,023$5,412
Insurance Company
Before Jerry
After Jerry
Progressive$6,065$4,664
Travelers$5,598$5,427
Safeco$8,603$5,996
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How can you save money on car insurance in New York

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you.

Does your rate depend on what part of New York you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
March 14, 2021Mercedes-Benz C 300 4MaticNY46
Infinity
Basic$295/mo.$78/mo.
March 14, 2021Mercedes-Benz C 300 4MaticNY46
Infinity
Basic$295/mo.$78/mo.
March 4, 2021Honda Cr-V LXNY26NationwideStandard$240/mo.$147/mo.
May 22, 2021Mitsubishi Outlander Sport SENY50TravelersCurrent$209/mo.$132/mo.
December 8, 2020Acura MDX TechnologyNY28
Mercury
Basic$280/mo.$206/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.
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