Are you searching for affordable car insurance in New York? Look no further. We’ve compared rates from top auto insurers to find the best options available to you.

Rates differ based on driver profile, so it’s essential to get at least three quotes from each company and consider your driving record; a traffic violation could increase your premiums.

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Erie Insurance has been in operation since 1925 and provides policies in 12 states plus Washington D.C. The company offers a host of customer-friendly benefits and features, such as its rate lock program.

Erie’s standard auto insurance policies provide a diminishing deductible, first accident forgiveness for eligible policyholders and extra rental car time if you need to replace your vehicle after an incident. They also include roadside assistance, auto glass repair and personal item coverage.

Drivers can save on their premiums by paying the annual premium in full instead of in installments. Furthermore, they may save money by bundling their life, home and auto policies with Erie to receive a discounted rate.

Erie also offers discounts to young drivers who live with their parents and who have college credit. These discounts can reduce your car insurance costs by up to 20%.


USAA is known for offering affordable auto insurance rates that typically fall below the national average. However, costs may vary based on age and credit score.

USAA also offers exclusive discounts to active-duty military personnel and veterans, so those eligible can save even more.

Young drivers can save money with a student discount, which could save them up to 10% on their insurance. Furthermore, USAA’s SafePilot telematics program helps them avoid traffic tickets and accidents by monitoring their driving habits.

USAA is the fifth-largest insurer in America and consistently scores well on customer satisfaction surveys. Plus, its website and app offer helpful advice for retirement planning, home buying and car ownership, as well as investing.


Geico is an ideal option for those seeking to save money on car insurance. Its rates are lower than the national average for most drivers, and it offers plenty of discounts.

Geico not only offers competitive rates, but it also has excellent customer service and award-winning digital features. Their website and app enable you to stay organized with policy details, access your digital auto insurance ID card, pay bills quickly and submit claims easily.

Drivers can receive discounts for safe driving, anti-theft devices, membership in a student or professional association and more. Geico even provides an extensive list of discounts to those who belong to military or veteran organizations.

The insurer boasts an average annual rate that’s hundreds of dollars below the national average, but it may be more costly for drivers with a history of accidents.


Auto-Owners provides car insurance and other types of coverage through independent agents in 26 states. Selecting an agent local to your area can offer personalized service as well as a better grasp on local laws.

The company provides a broad selection of policies and discounts, such as a multi-policy discount for bundling multiple insurance policies. Furthermore, it has an impressive selection of optional protections like roadside assistance and diminished value coverage.

Auto-Owners has maintained AM Best’s top financial rating for 49 consecutive years, and its customer satisfaction ratings are excellent; moreover, the store has fewer complaints than most of its rivals.

Auto-Owners was one of the most affordable companies we examined, whether you need full coverage or minimum coverage. When comparing its rates against those from other carriers on MoneyGeek’s list, we discovered it to be the most budget-friendly choice across a range of driver profiles.

Auto-Owners has long been a go-to for drivers due to its competitive prices and strong financial position. Furthermore, it boasts an excellent customer service record as well as receiving top marks from the National Association of Insurance Commissioners when it comes to reducing claims.

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