Best car insurance in New York for 2025

Why Geico made our list: On top of low average New York car insurance premiums, Geico offers a long list of potential discounts for extra savings. You might save money if you are a federal employee, a member of the military, have certain safety features on your vehicle or have been accident-free for five years. Geico also took home a 2025 Bankrate Award for being the Best Auto Insurance Company for High-Risk Drivers, which could be a significant advantage for city drivers who have been involved in an accident as a result of the state’s dense traffic and congested roadways. It also fared well in the 2024 J.D. Power U.S. Auto Insurance Study in New York. However, Geico might not be a good fit if you are looking for a highly-personalized policy, as the company’s list of additional coverage is short compared to many other national insurers. Additionally, Geico’s rating in the 2024 J.D. Power U.S. Digital Experience Study substantially fell year over year, so Geico may need to update its mobile app and online services to keep up with its competitors in satisfying tech-savvy customers

Who Geico may be good for: If you value discounts and ways to save on your car insurance, you may want to consider getting a quote from Geico, especially if you have a not-so-perfect driving record.

Learn more: Geico insurance review

Why Progressive made our list: Among the carriers we studied, Progressive delivers the best value in New York, offering the most affordable full coverage policies on our list on average. In addition to low average rates, you may be able to save even more with discounts for online quoting, paperless policy documents and continuous coverage. Progressive also has a robust portfolio of digital tools, which might be appealing if you like to handle your insurance virtually. In fact, Progressive received the top honor in the 2024 J.D. Power U.S. Digital Experience Study. However, Progressive does have a slightly lower-than-average customer satisfaction rating with J.D. Power in the New York region and its 2024 U.S. Auto Claims Satisfaction score is abysmal, which may indicate that not all customers are satisfied with the service they receive.

Who Progressive may be good for: Progressive’s long list of discounts and low average rates may make it a good company for New Yorkers looking for cheap coverage. First-time auto insurance shoppers may also appreciate the carrier's Name Your Price tool, which allows you to input your budget and compare matching coverage options.

Learn more: Progressive insurance review

Why State Farm made our list: If you like consolidating your policies with one company, State Farm could be one of the best insurance companies in New York as it also offers home, renters and life coverage. The company also has a widespread agency network, so if you are looking for a local agent, State Farm may be worth considering. This in-person approach may have certainly helped contribute to State Farm’s above-average customer satisfaction trifecta among the three 2024 J.D. Power studies we looked at, including the digital study for the service category. However, State Farm does not offer gap insurance and accident forgiveness takes years to earn, so if those are dealbreakers for you, you may need to consider other New York insurers.

Who State Farm may be good for: While the insurance industry is becoming increasingly digital, many drivers still prefer to handle their policies with a local agent. State Farm offers the best of both worlds and its network of over 19,000 agents across the country means there is probably an agency near your New York residence.

Learn more: State Farm insurance review

Why USAA made our list: We think USAA is so worth checking out that we awarded it our top honor in the 2025 Bankrate Awards, Best Auto Insurance Company Overall (tied with Amica). USAA also consistently earns high scores for customer satisfaction from J.D. Power, although it does not qualify for official ranking because it only sells insurance to current and former military members and eligible family members—a limitation that we also considered when awarding it a tie for the top spot in our Awards. While many drivers aren’t eligible for USAA, those who are might enjoy exceptional customer service as well as military-tailored coverage options and discounts, like potential savings of up to 60 percent if you store your vehicle while deployed.

Who USAA may be good for: USAA might be a good option if you value exceptional customer satisfaction, due to the company’s consistently high scores from J.D. Power, or if you are looking for military-focused coverage options.

Learn more: USAA insurance review

Why Allstate made our list: Allstate offers numerous optional coverage types to help you tailor your policy to your needs. You could add sound system insurance, rental reimbursement coverage or roadside assistance to build a policy that works for you. However, Allstate’s rates are typically at or near the New York state average, which means it may not be the most competitive option for cost-conscious drivers. You might be able to lower your premium by taking advantage of the company’s discounts, including savings for new cars, smart students and safe drivers. For those to whom customer service is paramount, Allstate does score below average in New York in the J.D. Power 2024 Auto Insurance Study as well as in the 2024 Auto Claims Satisfaction study, but comes out ahead in the 2024 Digital Experience Study. So it seems customers aren’t generally thrilled with its customer service but do like its digital tools.

Who Allstate may be good for: If you have custom equipment on your car or are simply looking for a car insurance company in New York that offers plenty of ways to personalize your auto insurance, you could consider Allstate.

Learn more: Allstate insurance review