New York drivers pay an average of $3,100/yr for full coverage. 2nd highest rates in US. NYC drivers pay significantly more than upstate. No-fault state.
✅ Avg Rate: $3,100/yr✅ Min Required: 25/50/10k + PIP📍 No-fault state — PIP required
Best Car Insurance Companies in New York
#1 State Farm
Best overall in New York • A++ rated • Local agents statewide
GEICO offers lowest NY rates. State Farm and Allstate widely available statewide. Rates average $3,100/yr for full coverage in New York.
New York full coverage averages $3,100/yr. 2nd highest rates in US. NYC drivers pay significantly more than upstate. No-fault state.
New York requires minimum 25/50/10k + PIP. Note: No-fault state — PIP required.
GEICO is generally cheaper on price. State Farm wins on customer service and claims. Always get quotes from both — rates vary significantly by zip code within New York.
Compare multiple quotes, bundle home and auto, maintain a clean driving record, take a defensive driving course, raise your deductible, and ask about usage-based programs like Progressive Snapshot or State Farm Drive Safe & Save.