Cheapest Car Insurance In New York City, NY For 2024
Kemper is the most affordable choice in New York City, with an average monthly rate of $55.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the most budget-friendly car insurance in New York City, New York, you’ll find a range of options, but one company, Kemper, stands out for its competitive pricing. On average, residents can expect to pay around $55 per month for car insurance with Kemper, significantly lower than the state’s average of $200.
For those interested in basic liability-only coverage, Kemper is the top choice for affordability. On the other hand, individuals looking for more extensive protection will also discover that Kemper offers the best rates for full coverage policies, priced at $95 a month. Even for young drivers, Kemper provides the most cost-effective rates, starting at $115 per month.
Cheapest Car Insurance Companies In New York City, NY
How Much Is Car Insurance In New York City, NY?
Kemper provides the most affordable car insurance in New York City, NY, with coverage available for $220 per month.
| Area | Average Monthly Rate |
| National | $152 |
| New York | $200 |
| New York City, NY | $220 |
Cheapest Car Insurance Rates In New York City For Full Coverage
Kemper offers the most affordable rates for full coverage car insurance in New York City, with average quotes at $95 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $95 | $1,138 |
| GEICO | $162 | $1,942 |
| Chubb | $252 | $3,022 |
| Allstate | $210 | $2,518 |
| State Farm | $175 | $2,098 |
Cheapest Car Insurance Rates In New York City For Seniors
Kemper offers the most affordable car insurance rates for seniors in New York City, with average quotes at $88 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $88 | $1,054 |
| GEICO | $174 | $2,086 |
| Progressive | $118 | $1,414 |
| Mercury | $707 | $8,482 |
| Allstate | $236 | $2,830 |
Cheapest Car Insurance Rates In New York City For Minimum Coverage
Kemper offers the most affordable car insurance for minimum coverage in New York City, with an average monthly cost of $55.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $83 | $994 |
| Progressive | $74 | $886 |
| Erie | $100 | $1,198 |
| State Farm | $110 | $1,318 |
| Kemper | $55 | $658 |
Cheapest Car Insurance Rates In New York City For Teenagers
Teenage drivers in New York City can obtain the most affordable quotes from Kemper, with average monthly premiums of $172.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $539 | $6,468 |
| GEICO | $303 | $3,638 |
| Kemper | $172 | $2,062 |
| Travelers | $803 | $9,638 |
| Allstate | $382 | $4,588 |
Cheapest Car Insurance Rates In New York City For Young Adults
Kemper provides the most affordable quotes for young adults in New York City, with rates averaging around $115 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $197 | $2,362 |
| GEICO | $180 | $2,158 |
| Kemper | $115 | $1,378 |
| Allstate | $216 | $2,590 |
| Travelers | $317 | $3,802 |
Cheapest Car Insurance Rates In New York City For Good Drivers
Kemper offers the most budget-friendly car insurance quotes for good drivers in New York City, with rates averaging around $55 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $83 | $994 |
| Progressive | $74 | $886 |
| Erie | $100 | $1,198 |
| State Farm | $110 | $1,318 |
| Kemper | $55 | $658 |
Cheapest Car Insurance Rates In New York City For Drivers With Prior Incidents
In New York City, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions cause insurance companies to classify them as high-risk, indicating a greater likelihood of filing future insurance claims.
As a result, insurance providers raise their rates for these individuals to offset the risk of facing higher claim payouts.
Cheapest Car Insurance Rates In New York City For Drivers With A Speeding Ticket
Progressive stands out for its affordability compared to other companies, offering average rates of $120 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $193 | $2,314 |
| Travelers | $347 | $4,162 |
| Geico | $190 | $2,278 |
| Allstate | $258 | $3,094 |
| Progressive | $120 | $1,438 |
Cheapest Car Insurance Rates In New York City For Drivers With An At-Fault Accident
Progressive provides the most economical car insurance quotes for drivers with an at-fault incident, with an average rate of $115 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $193 | $2,314 |
| Travelers | $372 | $4,462 |
| Geico | $190 | $2,278 |
| Progressive | $115 | $1,378 |
| Allstate | $210 | $2,518 |
Cheapest Car Insurance Rates In New York City For Drivers After A DUI
Progressive offers the lowest rates for drivers with a DUI in New York City, providing average monthly premiums of $120.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $193 | $2,314 |
| Travelers | $375 | $4,498 |
| Geico | $492 | $5,902 |
| Progressive | $120 | $1,438 |
| Allstate | $293 | $3,514 |
Best Car Insurance Companies In New York City
For drivers in New York City, selecting the appropriate car insurance company involves not only finding affordable rates but also ensuring dependable protection while on the road. Below are the top 10 car insurance companies in New York City, NY, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Travelers | $248 |
| Nationwide | $265 |
| Allstate | $340 |
| Erie | $220 |
| New York Central Mutual Fire | $240 |
| USAA | $208 |
| State Farm | $217 |
| Penn National | $140 |
| Mercury | $194 |
| New Jersey Manufacturers | $117 |
Average Car Insurance Rates In New York City – By Age
| Age | Average Yearly Rate |
| Teenagers | $4,872 |
| 20s | $3,000 |
| 30s | $2,496 |
| 40s | $2,400 |
| 50s | $2,352 |
| 60s | $2,100 |
| 70s | $2,722 |
Average Car Insurance Rates In New York City – By Vehicle Type
| Vehicle | Average Monthly Rate |
| Infiniti G37 | $100 |
| Audi A4 | $88 |
| Hyundai Sonata | $58 |
| Honda Cr-V | $150 |
| Dodge Charger | $103 |
Our Methodology
Based on extensive research spanning customer service ratings, product variety, pricing, and thorough assessments of numerous online review platforms and user feedback, I've developed a detailed understanding of the car insurance provider landscape in New York City, NY. This perspective is shaped by over 15 years of active engagement in the industry as a licensed insurance agent. It's informed by numerous interactions with representatives from different companies and insights acquired through firsthand experience.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in New York City?
Kemper provides the lowest car insurance rates in New York City for both the minimum coverage required by the State of New York and full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in New York City?
The average cost of car insurance in New York City is approximately $220 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.
Related Content
Does Insurance Cover Stolen Car If Keys Left? Do I Need Collision Insurance On An Old Car? Car Insurance For 50 Years Old
Find A Policy
Lamborghini Huracan Insurance Cost Aston Martin vantage Insurance Alfa Romeo Stelvio insurance cost
Auto Insurance In Your Area
Car insurance quotes in Owensboro, KY Car Insurance Huntsville, AL Car Insurance Tuscaloosa
