Best car insurance in New York for 2025

To identify the insurers we consider among the “best” in New York State, our team started by analyzing average premium data from Quadrant Information Services to find insurers with competitive rates for one or more groups. We then analyzed non-cost factors like the level and quality of service provided by each carrier, the availability and usefulness of their digital tools and the coverage and discount offerings provided.

Each carrier featured here has a Bankrate Score, which reflects how well it meets insurance customers' needs on a national scale. Bankrate Scores are assigned on a five-point scale which takes into account pricing, service, coverage options, availability, digital tools and more.

Not every driver comes into the insurance shopping process with the same priorities. Young drivers, drivers with recent traffic violations, drivers with poor credit and drivers with financed or leased vehicles all carry different needs, and those needs may overlap.

Consider what matters most to you. Do you need the lowest price possible, or are you willing to pay a little extra for good service? Do you have risk factors — e.g., weak credit, past tickets, a coverage lapse or less than three years of driving experience — that insurers will charge extra for? Would you rather manage your policy from your smartphone or meet with an insurance agent in person to discuss your needs?

Don't just look at quotes. While price is a huge factor in picking an insurer, cheaper policies can often come with a reduction in the level or quality of service you receive. Look for an insurance company with strong financial stability ratings from organizations like AM Best and a low rate of customer complaints recorded by the National Association of Insurance Commissioners.

You can also get a sense of how well an insurer meets its customers' needs by looking at third-party ratings like J.D. Power's U.S. Auto Insurance Study and U.S. Auto Claims Satisfaction Study, or by looking at what current and former customers have to say through forums like Reddit. Talking to family and friends about their insurer is another great way to find local advice.

Some of the best insurance companies in New York — like Progressive and Geico — are also among the best auto insurers nationwide. But don't make the mistake of only considering quotes from national carriers with widespread name recognition. While larger auto insurance companies can come with benefits, like 24/7 service and best-in-class digital tools, smaller local insurers often have the edge when it comes to pricing and customer care.

According to data from Quadrant Information Services, the cheapest auto insurance company for full coverage insurance in New York as of September 2025 is Progressive at an average monthly rate of just $200 compared with the statewide average of $336. For state minimum coverage, the cheapest carrier is $Utica National at $96 per month.

A full coverage car insurance policy in New York State includes all mandatory coverage — including personal injury protection, liability coverage for injury and death and statutory uninsured/underinsured motorist coverage — along with comprehensive and collision coverage. “Full coverage” doesn't have an official definition, but the combination of liability, comprehensive and collision is the primary meaning of this term in the insurance world.

In order to get car insurance in New York, you'll need the personal and driver's license information of all drivers in your household (yes, even drivers who don't intend to drive your vehicle or who don't hold a license). You'll also need your vehicle's information, including the VIN. If you want to qualify for a safe driving discount, you may also need proof of completion of a defensive driving course.