New York Auto Insurance Rates
Median premium: $1,670/6mo across 10 carriers and 2,154 ZIP codes.
Premiums range from $835 to $6,555 — a 7.9x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$1,670
per 6 months
ZIP Codes
2,154
with rate data
Carriers
10
rated in NY
Price Spread
7.9x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Progressive | $815 | 2,154 ZIPs | 100% | |
| 2 | USAA | $834 | 0 ZIPs | 0% | |
| 3 | Erie Insurance | $1,292 | 0 ZIPs | 0% | |
| 4 | Farmers | $1,371 | 0 ZIPs | 0% | |
| 5 | Allstate | $1,669 | 0 ZIPs | 0% | |
| 6 | Nationwide | $1,672 | 0 ZIPs | 0% | |
| 7 | Travelers | $1,702 | 0 ZIPs | 0% | |
| 8 | Liberty Mutual | $1,748 | 0 ZIPs | 0% | |
| 9 | State Farm | $1,955 | 0 ZIPs | 0% | |
| 10 | GEICO | $2,622 | 0 ZIPs | 0% |
1
$815Progressive#1 in 2,154 ZIPs (100%)
2
$834USAA#1 in 0 ZIPs (0%)
3
$1,292Erie Insurance#1 in 0 ZIPs (0%)
4
$1,371Farmers#1 in 0 ZIPs (0%)
5
$1,669Allstate#1 in 0 ZIPs (0%)
6
$1,672Nationwide#1 in 0 ZIPs (0%)
7
$1,702Travelers#1 in 0 ZIPs (0%)
8
$1,748Liberty Mutual#1 in 0 ZIPs (0%)
9
$1,955State Farm#1 in 0 ZIPs (0%)
10
$2,622GEICO#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in New York
| City | Avg Median | ZIPs |
|---|---|---|
| Dale | $835 | 1 |
| Avon | $835 | 1 |
| Caledonia | $835 | 1 |
| Castile | $835 | 1 |
| Dansville | $835 | 1 |
Most Expensive Cities in New York
| City | Avg Median | ZIPs |
|---|---|---|
| Bronx | $3,246 | 25 |
| Port Washington | $2,437 | 6 |
| Long Island City | $1,977 | 3 |
| Staten Island | $1,954 | 14 |
| Jamaica | $1,933 | 14 |
ZIP Code Extremes
Most Expensive ZIP
$4,176/6mo
14215 (Buffalo)
Cheapest ZIP
$835/6mo
14039 (Dale)
7.9x
Price Spread
The most expensive ZIP in New York costs 7.9x more than the cheapest. Your ZIP code matters more than you think.
New York Auto Insurance FAQ
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Access ZIP-level rate data across all 10 carriers, 2,154 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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