Compare Auto Insurance in New York

New York drivers save an average of $484/year by comparing quotes. The average annual premium is $2,200.

$2,200

Avg Annual Premium

25/50/10

Min Coverage

19.5M

Population

11.8M

Registered Vehicles

Top Auto Insurance Carriers in New York

GEICO

State Farm

Progressive

Allstate

New York Minimum Auto Insurance Requirements

New York requires a minimum liability coverage of 25/50/10 (bodily injury per person / bodily injury per accident / property damage). While this is the legal minimum, most experts recommend higher coverage limits to protect your assets.

Coverage breakdown (25/50/10):

  • $25K bodily injury per person
  • $50K bodily injury per accident
  • $10K property damage per accident

How to Save on Auto Insurance in New York

  • 1.Compare quotes from multiple carriers — rates can vary by $500+ for the same coverage
  • 2.Bundle your auto and home insurance for multi-policy discounts
  • 3.Maintain a clean driving record — tickets and accidents significantly increase premiums
  • 4.Ask about discounts: good student, military, low mileage, safety features
  • 5.Consider raising your deductible to lower your monthly premium

Ready to Save on New York Auto Insurance?

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