Finding the best car insurance in New York isn’t always easy. For a lot of people, picking a company can feel like throwing darts at a dart board with your eyes closed. That’s true whether you live in the heart of Manhattan or the tip of one of the Finger Lakes. Thankfully, we’ve done most of the legwork for you.
NerdWallet analyzed 24 insurance companies in the Empire State to help you find the best option. We split our top picks into four categories:
If you’d rather see the full list of the best car insurance companies in NY, along with their star ratings, jump to the bottom of the page.
How we found the best car insurance in New York.
Why you can trust NerdWallet.
Best car insurance in New York overall: Nationwide
Nationwide holds the highest overall score out of the 24 companies in New York we analyzed. Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for New York drivers seeking a well-rounded insurance company.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/nationwide.png)
Nationwide
5.0
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/nationwide.png)
Nationwide
5.0
Nationwide’s wide variety of coverage options and low number of complaints make it a solid choice for many consumers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Best car insurance in New York for your budget: Progressive
When it comes to the best car insurance for your wallet, Progressive comes out on top. According to our analysis, the average rate for full coverage car insurance from Progressive is $127 a month in New York. That’s the cheapest car insurance rate among our list of top-rated insurers. However, your own rate may be different.
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/progressive.png)
Progressive
5.0
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
![insurance-product-card-logo](https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/insurance/logos/progressive.png)
Progressive
5.0
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Best car insurance in New York for customer satisfaction: State Farm
If you’re looking for the best car insurance company in New York for customer satisfaction, State Farm is hard to beat. It has a strong track record of providing a superior shopping experience and ranks second for overall customer satisfaction on J.D. Power’s 2023 U.S. Auto Insurance Study, just behind New York Central Mutual, which isn’t included in our analysis.
State Farm offers tailored support through its large network of NY agents, which customers work with before purchasing a policy.
Best for customer satisfaction
State Farm
5.0
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Best for customer satisfaction
State Farm
5.0
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Best car insurance in New York for ease of use: State Farm
State Farm is the best car insurance company in New York for ease of use. Customers can navigate its easy to use website to view policy details and pay premiums. State Farm also offers a highly rated mobile app where users can access ID cards, file a claim, connect with an agent and more. Tech-savvy customers can even access their policy information and perform other tasks through an Amazon Alexa device.
State Farm
5.0
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
Fewer than expected
State Farm
5.0
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.
Discounts
Average set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Full list of the best car insurance in NY
If you’re looking for even more options, NerdWallet analyzed 24 car insurers to find the best car insurance companies in New York. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.
5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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5.0 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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4.5 NerdWallet rating NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more. |
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*USAA is only available to military, veterans and their families. |