9 Best Car Insurance in New York of 2026

This list is for New York drivers comparing insurers on local rates, claims service and coverage options, from Manhattan, Brooklyn and Long Island to Albany, Rochester and Buffalo. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. New York requires 25/50/10 liability limits, $50,000 of personal injury protection and uninsured motorist coverage. Most insurers do not publish a personal price, so we quote the New York figures that Progressive, USAA, The Hartford and Liberty Mutual publish and mark the rest as pending. Some are market averages or group averages rather than the insurer's own rates, and we say which. NYCM, GEICO and Nationwide pages refused our automated checks, so they are left out rather than described from memory.

1. 01Top value

   

   State Farm

   8.8/10

   A mutual insurer that has insured cars since 1922 and sells through local agents, the app and online.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.9

   Ease of use (25%)

   8.7

   Best forNew York households that want a local agent and strong claims access

   State Farm is the best starting point for most New York drivers because it combines agent service with a clear claims process. Its auto page says it has insured cars since 1922 and has over 19,000 auto insurance agents nationwide, which matters in a state where many drivers still want someone local to call after a crash. Claims can be reported online, in the mobile app or by phone, and State Farm says it earned USA Today's America's Best Customer Service 2026 title. Its telematics program, Drive Safe & Save, can cut premiums by up to 30%, and a footnote confirms New York caps that discount at 30%. Steer Clear gives drivers under 25 with no at-fault accidents or moving violations in three years up to 20% off. Bundling auto and renters can save up to $900, and switchers save an average of $740. The weakness is price transparency: State Farm publishes no New York rate, so you need a quote to compare.

   • ✓Named USA Today's America's Best Customer Service 2026
   • ✓Drivers who switch save an average of $740
   • ✓Teen driver programs through Steer Clear

   • ✕No New York price published
   • ✕Savings figures are national, not New York-specific
   • ✕Most discount questions route to an agent

   Insuring cars since:

   1922

   Agents:

   Over 19,000

   Drive Safe & Save in NY:

   Capped at 30%

   Average switching saving:

   $740

   Bottom line: State Farm is the best car insurance company for most New York drivers because it backs more than 19,000 agents with app, phone and online claims and up to 30% Drive Safe & Save savings. Get its quote first, then compare Erie and Progressive.

   Visit statefarm.com ↗

2. 02

   

   Erie Insurance

   8.7/10

   An agent-based insurer that has sold auto coverage in New York since 1995.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   9.1

   Features (35%)

   8.8

   Ease of use (25%)

   8.0

   Best forUpstate drivers who want policy extras through a local agent

   Erie Insurance is the strongest alternative for drivers outside New York City. Its New York page says it has provided auto coverage in the state since 1995 and speaks directly to drivers in Buffalo, Syracuse and Rochester. The policy lists every New York no-fault component, including medical expenses, work loss, daily essential services and a death benefit, alongside comprehensive and collision. Erie's extras are the main draw: comprehensive coverage includes glass repair with the deductible waived, up to $75 for a locksmith, up to $350 for personal items in the car and up to $500 per pet hurt in a crash, with a $1,000 total. A Roadside & Rentals Bundle and ERIE Auto Plus add more for an extra cost. Discounts cover safety features, a daytime running lights credit offered only in New York, multiple cars or policies, reduced usage and payment plans. It ranks second because Erie publishes no New York price and works only through agents.

   • ✓More than 14,000 agents
   • ✓Several extras built into comprehensive coverage
   • ✓Discounts for multiple cars, reduced usage and payment plans

   • ✕No published New York price
   • ✕Its New York page focuses on upstate cities
   • ✕Quotes and service run through agents

   Selling in NY since:

   1995

   Agents:

   More than 14,000

   Pet injury cover:

   Up to $500 per pet, $1,000 total

   Locksmith cover:

   Up to $75

   Bottom line: Erie Insurance is the best choice for upstate New York drivers who want extras such as deductible-free glass repair and pet injury cover on a standard policy. Ask a local ERIE agent for a quote to set against State Farm.

   Visit erieinsurance.com ↗

3. 03

   

   Progressive

   8.7/10

   A national insurer selling online, by phone and through agents, with Snapshot and Name Your Price tools.

   Price

   $165.02per month, average six-month liability-only policy for one driver and one car across a group of higher-cost states including New York (2025)

   New York sits in a higher-cost group of states averaging $165.02 a month for liability-only policies, based on Progressive data

   “Based on Progressive's internal data, New York falls into a group of states that have higher auto insurance costs overall with an average of $165.02 per month.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.5

   Features (35%)

   8.7

   Ease of use (25%)

   9.0

   Best forOnline shoppers who want a fast quote and a published benchmark

   Progressive is the easiest benchmark for New Yorkers who prefer to shop online. Its New York page says the state falls into a group of higher-cost states with an average of $165.02 a month, based on a six-month, liability-only policy for one vehicle and one driver in 2025. That figure is a group average, not a New York-only rate, and it excludes collision and comprehensive, so use it to judge minimum coverage quotes. The page lists New York discounts for multiple cars, multiple policies and full-time students with a B average or better, and points to Snapshot and the Name Your Price tool. Bundling property saves an average of 5% on auto in most states, and switchers nationwide save over $950 on average. Progressive also explains SUM coverage and notes that New York has been no-fault since 1974. It sits behind State Farm and Erie because those two lead on local service and built-in extras.

   • ✓Publishes a cost figure that covers New York
   • ✓Switchers nationwide save over $950 on average
   • ✓Online, phone and agent channels

   • ✕Its benchmark is a multi-state, liability-only average
   • ✕Bundle saving of 5% is smaller than some rivals advertise
   • ✕Savings figures are national

   Group average (liability-only):

   $165.02 a month (2025)

   Average switching saving:

   Over $950 nationwide

   Bundle saving on auto:

   5% on average in most states

   Good student rule:

   B average or better

   Bottom line: Progressive is the best choice for New York drivers who want to quote and buy online because it publishes a $165.02 a month liability-only benchmark and offers Name Your Price. Use that figure as a yardstick for minimum coverage quotes.

   Visit progressive.com ↗

4. 04

   

   AARP Auto Insurance from The Hartford

   8.5/10

   Car insurance for AARP members, offered with AARP since 1984.

   Price

   $140per month, average paid by The Hartford's New York customers

   New York customers pay about $140 a month on average ($1,679 a year)

   “Our customers in New York pay an average of $1,679 a year, or about $140 a month, for car insurance.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   8.4

   Ease of use (25%)

   8.3

   Best forAARP members and drivers over 50

   AARP Auto Insurance from The Hartford publishes the lowest New York price figure on this list. Its New York page says customers in the state pay an average of $1,679 a year, or about $140 a month, which is well below Liberty Mutual's $217 full coverage market average. Keep the context in mind: the program is designed for AARP members, so that average reflects mostly mature drivers. The Hartford has partnered with AARP since 1984. New York drivers can add comprehensive with full glass coverage, collision, roadside assistance and increased rental reimbursement, and the program includes Accident Forgiveness, the Disappearing Deductible and the RecoverCare benefit, which varies by state. Bundling auto and home can save over $600. The page also cites Insurance Research Council data that 6.1% of New York drivers are uninsured, a useful reminder to keep uninsured motorist limits high. It scores below State Farm and Erie on features because its program targets one audience.

   • ✓Lowest published New York customer average on this list
   • ✓Auto and home bundle can save over $600
   • ✓Partnered with AARP since 1984

   • ✕Built for AARP members
   • ✕Average reflects its own customer mix, which skews older
   • ✕Benefits vary by state

   NY customer average:

   $1,679 a year, about $140 a month

   AARP partner since:

   1984

   Bundle saving:

   Over $600

   Uninsured NY drivers cited:

   6.1%

   Bottom line: AARP Auto Insurance from The Hartford is the best choice for New York drivers over 50 because its New York customers pay about $140 a month on average. Younger drivers should start with State Farm or Progressive.

   Visit thehartford.com ↗

5. 05

   

   Allstate

   8.4/10

   A national insurer with Drivewise telematics and local agents across New York.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.2

   Features (35%)

   8.5

   Ease of use (25%)

   8.5

   Best forMulti-car households that want to bundle

   Allstate suits New York households that insure more than one car or want to bundle. Its New York page advertises 25% off for multiple cars, an average of 20% off when you bundle home and auto, and up to 30% through Drivewise, which uses your driving data from the Allstate Mobile app. Allstate cautions that in some states risky driving recorded by Drivewise can raise your rate. Other discounts available in New York include anti-theft devices, defensive driver courses, good student, student away at school and safe driver. Beyond the state minimums, Allstate offers roadside assistance, rideshare coverage, insurance for electric cars and rental car reimbursement, and the page confirms New York accepts electronic proof of insurance. Allstate also advertises a $900 switching saving. It ranks in the middle because it publishes no New York premium, and its answer to how much New York coverage costs points you to a quote.

   • ✓Large multi-car and bundle discounts
   • ✓Electronic proof of insurance accepted in New York
   • ✓Switchers can save $900

   • ✕No New York price published
   • ✕Drivewise needs the Allstate Mobile app
   • ✕In some states Drivewise data can raise rates

   Drivewise saving:

   Up to 30%

   Multi-car saving:

   25%

   Bundle saving:

   20% on average

   Switch and save:

   $900

   Bottom line: Allstate is the best choice for New York households with several cars because it advertises 25% off for multiple cars and an average of 20% off for home and auto bundles. Compare its quote with State Farm's.

   Visit allstate.com ↗

6. 06

   

   USAA

   8.3/10

   Insurance for military members, veterans and their families.

   Price

   $252per month, average paid by New York members (2024)

   New York members paid $252 a month on average in 2024

   “New York members paid $252 per month on average in 2024” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.1

   Features (35%)

   8.6

   Ease of use (25%)

   8.3

   Best forMilitary families and veterans in New York

   USAA is the right call for eligible New Yorkers: active-duty military, National Guard and Reserve members, honorably discharged veterans, certain cadets and candidates, and spouses and children of members. Its New York page says members in the state paid $252 a month on average in 2024, which is higher than the other published figures on this list, though member coverage choices vary. USAA SafePilot can take up to 30% off at renewal based on driving, multi-vehicle savings apply automatically for two or more vehicles, and bundling auto with a property policy saves up to 10%. Cars less than three years old may qualify for a new vehicle discount. Members can manage their policy and claims 24/7 in the USAA Mobile App, and a survey showed switchers saved an average of $840 a year. It ranks below Allstate because most New Yorkers cannot join and its published average is the highest here.

   • ✓Publishes a New York member average
   • ✓Members saved an average of $840 a year when switching
   • ✓24/7 app-based claims

   • ✕Membership limited to military members, veterans and their families
   • ✕$252 average is above other published figures here
   • ✕SafePilot savings apply at renewal

   NY member average:

   $252 a month (2024)

   SafePilot saving:

   Up to 30%

   Bundle saving:

   Up to 10%

   Average switching saving:

   $840 a year

   Bottom line: USAA is the best choice for New York military families because membership unlocks SafePilot savings of up to 30% and 24/7 app claims. Everyone else should start with State Farm or Progressive.

   Visit usaa.com ↗

7. 07

   

   Liberty Mutual

   8.2/10

   A national insurer selling online, by phone and through agents, with RightTrack telematics.

   Price

   Customper month, New York full coverage market average

   New York full coverage averages about $217 a month as of November 2026 (market average quoted by Liberty Mutual)

   “The average cost of “full” coverage car insurance in New York is about $217 per month, or $2,604 per year.” Quoted from the pricing page, November 11, 2026.

   Free plan

   No

   Value (40%)

   8.0

   Features (35%)

   8.3

   Ease of use (25%)

   8.3

   Best forDrivers who want to buy online and earn a telematics discount

   Liberty Mutual is useful for New Yorkers who want to buy online and see a current price yardstick. Its New York page puts the state's full coverage average at about $217 a month, or $2,604 a year, as of November 2026. That is a market figure rather than Liberty Mutual's own customer average, so treat it as a benchmark. The page explains why rates are high: drivers in the New York City metro generally pay more than those upstate because of traffic density, claim frequency and higher repair and medical costs, and the no-fault PIP requirement of at least $50,000 per person adds cost statewide. Liberty Mutual offers an Online Purchase Discount, bundle discounts and RightTrack, which can save up to 30% for good driving, though the score applies only to certain coverages. It says switchers could save over $700. It ranks below USAA on features and below the leaders on value because it publishes no rate of its own.

   • ✓Publishes a current New York full coverage average
   • ✓Switchers could save over $700
   • ✓Clear explanation of New York rate factors

   • ✕The $217 figure is a market average, not its own rate
   • ✕RightTrack score applies only to certain coverages
   • ✕Discounts vary by how you buy

   NY full coverage average:

   About $217 a month, $2,604 a year

   RightTrack saving:

   Up to 30%

   Switching saving:

   Over $700

   NY minimums:

   25/50/10

   Bottom line: Liberty Mutual is the best choice for online buyers who want a telematics discount because RightTrack can save up to 30% and an Online Purchase Discount applies when you buy on the web. Use its $217 full coverage average to judge other quotes.

   Visit libertymutual.com ↗

8. 08

   

   Plymouth Rock Assurance

   8.0/10

   A Northeast insurer selling auto coverage in New York and five nearby states.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.0

   Features (35%)

   7.9

   Ease of use (25%)

   8.2

   Best forWestern New York families with a new teen driver

   Plymouth Rock Assurance is a regional choice worth quoting in western New York. Its New York page covers both dense urban traffic and upstate driving, lists city pages for Buffalo, Jamestown, Niagara Falls and Olean, and offers liability limits above the state minimum. The discount list is short but targeted: a paid in full discount, bundling discounts for auto and home, and a new driver family discount when you add a driver under 19, which helps parents of new teen drivers. Optional coverages include collision, comprehensive, substitute transportation and towing and labor. The mobile app shows ID cards, reports and manages claims, sets up payments and updates the policy. Plymouth Rock says drivers who switched between January and December 2025 saved an average of $806 across several states, and it cites a 4.9 out of 5 star NerdWallet rating for 2026. It ranks near the bottom because it publishes no New York price and has fewer discounts than the national carriers.

   • ✓Switchers save an average of $806 across its states
   • ✓Liability limits above the state minimum available
   • ✓Rated 4.9 out of 5 stars by NerdWallet in 2026

   • ✕No New York price published
   • ✕City pages cover only western New York towns
   • ✕Savings figure is multi-state

   Average switching saving:

   $806 (2025, multi-state)

   NerdWallet rating:

   4.9 out of 5 (2026)

   NY city pages:

   Buffalo, Jamestown, Niagara Falls, Olean

   Teen discount age:

   New drivers under 19

   Bottom line: Plymouth Rock is the best choice for western New York families adding a teen because it offers a new driver family discount for drivers under 19. Compare it with Erie, which serves the same region.

   Visit plymouthrock.com ↗

9. 09

   

   Travelers

   7.9/10

   A national insurer with 24/7 claim reporting and the MyTravelers app.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   7.8

   Ease of use (25%)

   8.0

   Best forDrivers with a financed or leased car who want gap coverage

   Travelers is a solid option for New Yorkers who finance or lease their car. Its auto page offers loan or lease gap coverage, which pays the difference between the car's value and what you owe after a total loss, and extended transportation expenses coverage for a rental car or other transport while yours is repaired. Claims can be reported 24/7 and tracked in a MyTravelers account, and the MyTravelers app also handles ID cards, vehicle changes and roadside tracking. Discounts include multi-policy bundles with home, boat and other policies, and a good student discount for a B average or better. The drawback for this list is clear in the fine print: the Safe Driver Discount for households with no accidents or violations in three to five years is not available in New York. Travelers also publishes no New York page or price, which is why it ranks last here.

   • ✓Gap coverage for financed or leased cars
   • ✓MyTravelers app handles ID cards, claims and roadside tracking
   • ✓Bundles auto with home, boat and other policies

   • ✕Safe Driver Discount is not available in New York
   • ✕No New York page or price published
   • ✕No discount percentages published

   Claim reporting:

   24/7

   Safe Driver Discount in NY:

   Not available

   Gap coverage:

   Yes, loan or lease

   Good student rule:

   B average or better

   Bottom line: Travelers is the best choice for New Yorkers with a financed or leased car who want gap coverage and 24/7 claim reporting. Note that its Safe Driver Discount is not offered in New York.

   Visit travelers.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.