Best Car Insurance in New York for 2025
After carefully analyzing 24 insurance providers in New York, NerdWallet’s editorial team has compiled a list of the top car insurance companies. Their ratings are based on key factors such as coverage options, discounts, affordability, customer satisfaction, and financial strength.
Here are the best car insurance companies in New York:
- Plymouth Rock: Best for ease of use.
- Travelers: Best insurance company overall.
- Progressive: Best for affordability.
- Travelers: Best for having few customer complaints.
The best car insurance companies in New York
Here’s our list of the best auto insurance companies in New York for different categories, plus what makes them the best.
Best Overall – Travelers
Travelers holds the highest overall score out of the 24 companies in New York we analyzed. The company stands out for its ease of use, robust mobile app and relatively few customer complaints. Travelers also holds a strong presence in New York, with over 2,000 insurance agencies available to field questions. It earned the top spot in our overall best car insurance companies of 2025.
Because our auto insurance ratings reward companies for customer-first features and practices, this category represents an overall solid choice for drivers seeking a well-rounded insurance company. This company really is the best overall for New Yorkers, winning multiple categories as you’ll see below.
Best Budget Pick – Progressive
Progressive has some of the lowest rates for New York drivers among our top-rated car insurance companies, with an average rate of $696 a year for minimum coverage and $1,499 a year for full coverage, based on NerdWallet’s January 2025 analysis.
Travelers technically offers the cheapest minimum coverage rates in New York, but as we dug into our analysis we found that Progressive was close behind while also offering cheaper rates for full coverage insurance. For a more comprehensive list of affordable options, check out NerdWallet’s analysis of cheap car insurance in New York.
Best for Customer Satisfaction – Travelers
Travelers is also the best car insurance company in New York for customer satisfaction. It has the fewest customer complaints to state regulators relative to insurers of its size in the state. It also ranked number one out of nine insurers for overall customer satisfaction in J.D. Power’s 2024 study of New York auto insurance companies.
best for ease of use – Plymouth Rock
Plymouth Rock is the best car insurance company in New York when it comes to ease of use. Drivers can manage their policy and submit claims online, and Plymouth Rock’s mobile app has excellent user ratings for both iOS and Android devices.
Full list of the best car insurance companies in New York
How to get the best car insurance in New York
Still not sure which company to go with? Try these tips:
Assess your needs: Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.
Do more research: While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.
Consider small insurance companies: Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.
Shop around once a year: Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.
