Best Car Insurance in New York

Geico is our pick for discounts, which can help you save money. Its 23 discounts cover vehicle safety features, driving history, school, work, and payment habits, so most households qualify for at least a few. Federal employees, military members, and deployed drivers each have a dedicated discount.

Geico sells in all 50 states and Washington, D.C., and you can get a quote, buy a policy, and file a claim online. Beyond liability, collision, and comprehensive, it offers personal injury protection, uninsured and underinsured motorist, medical payments, emergency road service, rental reimbursement, mechanical breakdown insurance, and custom parts and equipment coverage. Its DriveEasy program is usage-based, meaning your driving habits can affect your price.

Geico doesn't offer gap insurance, which matters if you owe more on your car loan than the car is worth if it's totaled.

State Farm is our pick for young drivers. Its list includes good student, driver training, student away at school, and Steer Clear discounts, plus the Drive Safe & Save program, which gives families several ways to offset the cost of adding a teen.

State Farm writes policies in 48 states and D.C., and you can get a quote, buy, and file claims online. It has 19 discounts, including accident-free, low mileage, loyalty, senior, and college graduate. Optional coverages include uninsured and underinsured motorist, medical payments, rideshare driver coverage, emergency road service, car rental reimbursement, and travel expenses coverage. It doesn't offer gap insurance.

USAA is our pick for the military community. It pairs military-specific discounts, such as military on-base and car storage, with gap insurance and rideshare coverage, two options some of its competitors skip.

USAA offers coverage in New York, but you need a membership to get a quote or buy a policy online. Members can file claims online. It offers 13 discounts, including SafePilot, a usage-based program, plus MyUSAA legacy, good student, and automatic payments. Optional coverages include personal injury protection, medical payments, uninsured and underinsured motorist, rental reimbursement, rideshare insurance, and roadside assistance. All of USAA's insurance products, except life insurance, are open to active-duty military members, veterans, and their families.

Travelers is our pick for hybrid and EV owners. It offers new car replacement and gap insurance, both of which matter for owners of newer vehicles that lose value quickly, and it has discounts specifically for EVs and hybrids. It also offers accident forgiveness.

Travelers sells car insurance in New York. You can get a quote and file a claim online, but you can't buy a policy online, so expect to finish through an agent or by phone. Its coverage list is broad: personal injury protection, uninsured and underinsured motorist, medical payments, rental reimbursement through extended transportation expenses, roadside assistance, limited ride-sharing coverage, and named non-owner insurance for people who drive but don't own a car.

The company offers 16 discounts, including one for hybrids and electric cars, bundling multiple policies, and insuring multiple vehicles.

Progressive is our pick for the best online experience. You can get a quote, buy a policy, and file claims online, and it offers discounts tied to doing exactly that, including online quote, sign online, and paperless discounts.

Progressive sells policies in all 50 states and Washington, D.C. Customers can get a quote, buy a policy, and manage it online. It also offers discounts for online policy management and going paperless. Beyond core coverage, it offers gap insurance, rideshare coverage, personal injury protection, medical payments, uninsured and underinsured motorist, rental reimbursement, roadside assistance, a vehicle protection plan, and custom parts and equipment coverage.