| Age Range | Best Insurance Company | Average Annual Comprehensive Premium | Why Are They the Best? | FIXD Insurance Rating (Out of 5) |
| 18-24 | GEICO | $1500 | Lowest average comprehensive premiums and adequate customer service | 3.7 |
| 25-34 | State Farm | $300 | Lowest average comprehensive premiums and happy customers | 4.1 |
| 35-44 | USAA | $600 | Lowest average comprehensive premiums and highest customer satisfaction | 4.5 |
| 45-54 | Erie | $300 | Lowest average comprehensive premiums and excellent customer service | 4.2 |
| 55-64 | Hartford | $300 | Great customer service and the lowest average comprehensive premiums | 4.0 |
| 65 or older | USAA | $1200 | Highest customer service and lowest average comprehensive premiums | 4.5 |
Are your car insurance rates going up? Tired of lousy customer service with your auto insurance carrier? Are you ready to add a new driver to your policy, maybe a teenager?
Keep reading to see which companies offer the most affordable rates and best customer service in New York according to FIXD users in the state.
In this article, you’ll discover our top picks for auto insurance for New Yorkers of every age. We’ll provide information about average premiums, customer satisfaction, and how to sign up with the best insurance companies in New York state.
Getting insurance can be a big hassle, you have to provide so much information just to get a simple quote. Here, we’ll flip the script and provide inside tips from a licensed independent agent to help simplify car insurance and save you money.
Pro-tip
An insurance agent can get quotes from multiple auto insurance companies, help with bundling insurance products, and find discounts. The best part? You’ll only have to provide your information once!
New York’s Best Car Insurance Companies
The best car insurance companies for New York state residents are USAA, Erie Insurance, State Farm, GEICO, and NYCM. These companies have competitive rates and provide excellent customer service according to FIXD users in New York.
We surveyed FIXD users in New York State to collect information about premiums, claims resolution, and customer satisfaction. You can read more about our methodology later if you’re interested.
Even though New York is a no-fault state for auto insurance, you’ll still get the best financial protection by having comprehensive auto insurance coverage. We focused our results on the best rates for this better protection.
| Best Car Insurance Companies [State] | Why? | FIXD User Average Rating(Out of 5) |
| USAA | Lowest average rates for comprehensive and the highest customer satisfaction | 4.5 |
| Erie | Competitive rates for New Yorkers and outstanding customer service | 4.2 |
| State Farm | Competitive average rates for comprehensive coverage and excellent customer service | 4.1 |
| GEICO | Lowest comprehensive rates for teens and adequate customer service | 3.7 |
| NYCM | Competitive rates for comprehensive coverage and great customer satisfaction | 4.0 |
New York State’s Best Overall Insurance Companies: USAA & Erie
USAA is the best car insurance company for eligible New York residents because it has the lowest average rates and highest customer satisfaction. Erie is the best company if you’re not eligible for USAA. Erie has the second-lowest average rates and outstanding customer satisfaction.
Pro-tip
Ask your agent to also compare quotes bundled with home or renters insurance. A company with the best car insurance rates may not have competitive home insurance rates.
USAA and Erie Insurance Average Annual Comprehensive Rates in New York State
| *Average Annual Premiums for Comprehensive Coverage | |
| USAA | $975 |
| Erie | $1050 |
*Results here are an average of results. They are not intended to serve as a quote.
We’ll provide the details for USAA and Erie Insurance below. Don’t wait too long to ask your agent for quotes from one or both of these fabulous auto insurance carriers!
| Company Info | USAA (United Services Automobile Association) |
| Founded | 1922 |
| Headquarters | San Antonio, TX |
| Phone Number | (800)-531-USAA (8722) or (201)-531-8722 |
| Website | https://www.usaa.com/ |
| Products | Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
| Population Served | Military, Veterans, and eligible family members |
Average Years as a Customer at USAA: 15.2 years is the average length of time FIXD users in New York state have been USAA customers.
How many customers hear back within 10 minutes? 91% of customers hear back within ten minutes according to FIXD users in New York who had contacted the company.
How quickly are Claims Resolved? 100% of claims filed with USAA were resolved within two weeks according to New York FIXD users who had filed a claim with the company.
Customer Satisfaction with Claims: 91% of customers who have filed a claim with USAA felt the claim was resolved fairly according to FIXD survey participants in New York.
How to sign up with USAA: You can sign up for a policy through USAA by calling (800)-531-8722 or visiting the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular USAA Discounts according to FIXD survey in New York State:
- 92% have an anti-theft device discount
- 62% qualify for a safe driver discount
- 54% have a discount for multiple cars on the policy
- 46% qualify for a military discount
- 38% bundle their home and car insurance
- 15% bundle their renters and car insurance
- 8% green vehicle discount
| Company Info | USAA (United Services Automobile Association) |
| Founded | 1922 |
| Headquarters | San Antonio, TX |
| Phone Number | (800)-531-USAA (8722) or (201)-531-8722 |
| Website | https://www.usaa.com/ |
| Products | Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
| Population Served | Military, Veterans, and eligible family members |
Average Years as a Customer at Erie Insurance: 8.0 years is the average length of time that FIXD users in New York State have been Erie customers.
How many customers hear back within 10 minutes? 100% of customers hear back within ten minutes of contacting Erie Insurance according to FIXD users in New York.
How quickly are Claims Resolved? At least two-thirds of claims filed with Erie Insurance are resolved within two weeks of filing according to FIXD survey participants in New York.
Customer Satisfaction with Claims: All customers felt that the resolution of their claim with Erie Insurance was fair according to FIXD survey participants in New York State who had filed a claim with Erie.
How to sign up with Erie Insurance: Erie works with independent agents in its coverage area to help customers sign up. You can find a local agent with Erie’s online tool.
Popular Erie Insurance Discounts in New York State according to FIXD Survey:
- 60% qualify for a safe driver discount
- 60% have a discount for multiple cars on the policy
- 40% bundle their home and auto insurance
- 20% qualify for a military discount
New York State’s Best Car Insurance Companies by Age Groups
Car insurance companies cater their services to particular demographics, and age grouping is a common demographic to prefer. Insurance companies cater to the demographic through marketing campaigns, services provided, and offering competitive rates.
Car insurance companies vary greatly in pricing and appeal to age groups because of the company’s target demographic. Finding a car insurance company in New York State that caters to your age group is one of the best ways to secure the best rates.
Here is a list of the best insurance companies in New York State based on different ages:
The Best Car Insurance Company for 18 to 24-Year-Olds in New York: GEICO
GEICO is the best provider for 18 to 24-year-olds in New York State because GEICO offers the most competitive premiums and adequate customer service. If you’re unhappy with GEICO, try a local company like Erie Insurance or speak with your insurance agent for recommendations.
|
Company Info |
GEICO (Government Employees Insurance Company) |
|
Founded |
1936 |
|
Headquarters |
Chevy Chase, MD |
|
Phone Number |
1-800-207-7847 |
|
Website |
|
|
Products |
Home, renters, auto, business, boat & recreational vehicles |
|
Population Served |
All 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 94% of GEICO customers hear back within ten minutes of contacting the car insurance company, according to FIXD users in New York.
How quickly are Claims Resolved? About half of all claims filed through GEICO are resolved within two weeks according to FIXD survey participants in New York who had filed a claim.
Customer Satisfaction with Claims: 97% of claim resolutions with GEICO felt fair according to the FIXD survey in New York State.
How to sign up with GEICO: You can sign up with GEICO by getting a quote on their website, finding an agent, or calling customer service for assistance at 1-800-207-7847.
Popular Discounts with GEICO in New York State:
- 61% qualify for a safe driver discount
- 46% have a discount for an anti-theft device
- 38% have a discount for multiple cars on the policy
- 12% bundle their home and car insurance with GEICO
- 10% bundle their renters and car insurance
- 4% qualify for a military discount
- 1% claim a green vehicle discount
Here is a list of the cheapest car insurance companies in New York for 18 to 24-year-olds:
|
Car Insurance Company |
Average Annual Premium for Comprehensive |
|
GEICO |
$1500 |
|
State Farm |
**$2100 |
|
Progressive |
**$2900 |
|
Liberty Mutual |
**$3900 |
**Indicates a premium that doesn’t include comprehensive coverage
The Best Car Insurance Company for 25 to 34-Year-Olds in New York: State Farm
State Farm is the best insurance provider for 25 to 34-year-olds in New York State. State Farm has the lowest average rates for this age group in New York. FIXD users rated State Farm as a 4.0 out of 5 overall, indicating good customer service and policies.
|
Company Info |
State Farm |
|
Founded |
1922 |
|
Headquarters |
Bloomington, IL |
|
Phone Number |
(800)-782-8332 |
|
Website |
|
|
Products |
Auto Insurance, Home Insurance, Liability, Life Insurance, and Small Business Insurance |
|
Population Served |
All 50 states with the United States and the District of Columbia |
How many customers hear back within 10 minutes? 86% of customers hear back within ten minutes of contacting State Farm according to FIXD users in New York State.
How quickly are Claims Resolved? 71% of claims are resolved in less than two weeks according to FIXD survey participants who had filed a claim with State Farm.
Customer Satisfaction with Claims: 80% of claim resolutions felt fair according to the FIXD survey in New York.
How to sign up with State Farm: The best way to sign up with State Farm is to work with an agent or use State Farm’s website. For questions, call 800-STATEFARM (800-782-8332).
Popular Discounts with State Farm according to FIXD users in New York:
- 58% qualify for a safe driver discount
- 40% have a discount for multiple cars on the policy
- 36% utilize a discount for an anti-theft device
- 20% bundle their home and car insurance with State Farm
- 20% bundle their renters and car insurance
- 6% qualify for a good student discount
- 4% qualify for a military discount
Here is a list of the cheapest car insurance companies in New York for 25 to 34-year-olds according to the FIXD Survey:
|
Car Insurance Company |
Average Annual Premium |
|
State Farm |
$300 |
|
GEICO |
$1500 |
|
Progressive |
$1500 |
|
Allstate |
$2100 |
|
Travelers |
$2100 |
Pro Tip: We know rent in parts of New York State is unbelievably expensive, but sometimes that nicer zip code with less crime can save you money on car insurance. It’s worth comparing quotes when apartment hunting.
The Best Car Insurance Company for 35 to 44 -Year-Olds in New York: USAA
The best car insurance provider for eligible 35 to 44-year-olds in New York is USAA. USAA has the highest customer satisfaction score and the lowest average premiums for 35 to 44-year-olds. Not eligible? Check out one of our other top picks for insurance in New York!
|
Company Info |
USAA (United Services Automobile Association) |
|
Founded |
1922 |
|
Headquarters |
San Antonio, TX |
|
Phone Number |
(800)-531-USAA (8722) or (201)-531-8722 |
|
Website |
https://www.usaa.com/ |
|
Products |
Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
|
Population Served |
Military, Veterans, and eligible family members |
How many customers hear back within 10 minutes? 91% of customers hear back within ten minutes according to FIXD users in New York who had contacted the company.
How quickly are Claims Resolved? 100% of claims filed with USAA were resolved within two weeks according to New York FIXD users who had filed a claim with the company.
Customer Satisfaction with Claims: 91% of customers who have filed a claim with USAA felt the claim was resolved fairly according to FIXD survey participants in New York.
How to sign up with USAA: You can sign up for a policy through USAA by calling (800)-531-8722 or visiting the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular USAA Discounts according to FIXD survey in New York State:
- 92% have an anti-theft device discount
- 62% qualify for a safe driver discount
- 54% have a discount for multiple cars on the policy
- 46% qualify for a military discount
- 38% bundle their home and car insurance
- 15% bundle their renters and car insurance
- 8% green vehicle discount
Here is a list of the cheapest car insurance companies in New York State for 35 to 44-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
USAA |
$600 |
|
Liberty Mutual |
$1500 |
|
GEICO |
$1800 |
|
Progressive |
$3900 |
Pro Tip: Compare insurance rates often to verify that you have the best rate. You can also ask your agent or insurance company about loyalty discounts.
The Best Car Insurance Company for 45 to 54 -Year-Olds in New York: Erie Insurance
The best auto insurance company for adults aged 45 to 54 in New York State is Erie Insurance. Erie Insurance is a more regional carrier with the best rates for this age group, competitive rates on average, and some of the best customer service, according to FIXD users.
|
Company Info |
Erie Insurance |
|
Founded |
1925 |
|
Headquarters |
Erie, PA |
|
Phone Number |
(800) 458-0811 |
|
Website |
|
|
Products |
Auto, Home, Business, and Life Insurance |
|
Population Served |
Pennsylvania, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Tennessee, Virginia, West Virginia, Wisconsin, and the District of Columbia |
How many customers hear back within 10 minutes? 100% of customers hear back within ten minutes of contacting Erie Insurance according to FIXD users in New York.
How quickly are Claims Resolved? At least two-thirds of claims filed with Erie Insurance are resolved within two weeks of filing according to FIXD survey participants in New York.
Customer Satisfaction with Claims: All customers felt that the resolution of their claim with Erie Insurance was fair according to FIXD survey participants in New York State who had filed a claim with Erie.
How to sign up with Erie Insurance: Erie works with independent agents in its coverage area to help customers sign up. You can find a local agent with Erie’s online tool.
Popular Erie Insurance Discounts in New York State according to FIXD Survey:
- 60% qualify for a safe driver discount
- 60% have a discount for multiple cars on the policy
- 40% bundle their home and auto insurance
- 20% qualify for a military discount
Here is a list of the cheapest car insurance companies in New York for 45 to 54-year-olds:
|
Car Insurance Company |
Average Annual Premium |
|
Erie Insurance |
$600 |
|
USAA |
$900 |
|
GEICO |
$2340 |
|
Nationwide |
$2700 |
|
State Farm |
$3900 |
Pro Tip: Compare quotes again when you’re ready to add a teen driver to your policy. Don’t assume you’ll get the best rates by staying with your current company since there can be a huge variance in rates for teens especially.
The Best Car Insurance Company for 55 to 64 -Year-Olds in New York: Hartford
The best auto insurance company for adults aged 55 to 64 in New York is Hartford. Hartford has the lowest average premiums for this age group and great customer satisfaction, according to FIXD users in New York State. Hartford also caters to AARP members.
|
Company Info |
The Hartford |
|
Founded |
1810 |
|
Headquarters |
Hartford, CT |
|
Phone Number |
1-888-413-8970 |
|
Website |
|
|
Products |
The Hartford offers insurance products for auto, home, and businesses |
|
Population Served |
Designed for AARP members, car insurance available in all 50 states and the District of Columbia |
How many customers hear back within 10 minutes? 100% of customers hear back within ten minutes of contacting Hartford, according to FIXD users in New York state.
How quickly are Claims Resolved? 75% of claims were resolved within two weeks, according to the FIXD survey in New York.
Customer Satisfaction with Claims: 100% of claim resolutions felt fair, according to FIXD survey participants who had filed a claim with Hartford.
How to sign up with Hartford: The best way to sign up with Hartford is to visit their website for a quote or call 1-888-413-8970.
Popular Discounts with Hartford in New York according to FIXD users:
- 38% qualify for a safe driver discount
- 25% have a discount for an anti-theft device
- 13% bundle their home and auto insurance with Hartford
- 13% have a discount for multiple cars on the policy
- 13% qualify for a military discount
|
Car Insurance Company |
Average Annual Comprehensive Premium |
|
Hartford |
$300 |
|
Travelers |
$900 |
|
NYCM |
$1200 |
|
State Farm |
$2150 |
|
GEICO |
$2950 |
The Best Car Insurance Company for 65+-Year-Olds in New York: USAA
The best auto insurance company for eligible seniors in New York is USAA because it has the lowest average premiums for 65+-year-olds in the state and the highest customer satisfaction. Erie Insurance is another great choice with competitive premiums and good customer service.
|
Company Info |
USAA (United Services Automobile Association) |
|
Founded |
1922 |
|
Headquarters |
San Antonio, TX |
|
Phone Number |
(800)-531-USAA (8722) or (201)-531-8722 |
|
Website |
https://www.usaa.com/ |
|
Products |
Banking, Auto Insurance, Home Insurance, Liability, Life Insurance, and Retirement Services |
|
Population Served |
Military, Veterans, and eligible family members |
How many customers hear back within 10 minutes? 91% of customers hear back within ten minutes according to FIXD users in New York who had contacted the company.
How quickly are Claims Resolved? 100% of claims filed with USAA were resolved within two weeks according to New York FIXD users who had filed a claim with the company.
Customer Satisfaction with Claims: 91% of customers who have filed a claim with USAA felt the claim was resolved fairly according to FIXD survey participants in New York.
How to sign up with USAA: You can sign up for a policy through USAA by calling (800)-531-8722 or visiting the USAA website. Remember that you must be a military service member or the dependent of one to sign up.
Popular USAA Discounts according to FIXD survey in New York State:
- 92% have an anti-theft device discount
- 62% qualify for a safe driver discount
- 54% have a discount for multiple cars on the policy
- 46% qualify for a military discount
- 38% bundle their home and car insurance
- 15% bundle their renters and car insurance
- 8% green vehicle discount
Here is a list of the cheapest car insurance companies in New York State for residents aged 65 and above:
|
Car Insurance Company |
Average Annual Premium |
|
USAA |
$1200 |
|
Erie Insurance |
$1500 |
|
Travelers |
$1500 |
|
Hartford |
$2100 |
|
Liberty Mutual |
$2400 |
Pro Tip: If your car insurance company caters to younger age demographics, you’ll overpay for auto insurance! Find a company that serves the most seasoned and experienced drivers with great rates.
Research Methodology
We used multiple metrics to determine the best car insurance company in New York State. Price was a large factor in our rankings, but we also ensured that our recommendations resolved most claims fairly and had good customer service according to FIXD survey participants.
Our survey of FIXD users collected the average miles driven, discounts, and multiple factors of customer satisfaction for us to analyze.
We only included insurance companies with enough respondents to reflect customer satisfaction and a variety of premiums to average. Some insurance companies were not represented for every age band.
Independent Customer Satisfaction Surveys
FIXD used the following information provided by the survey to assess customer satisfaction:
- Preferred method of contacting insurance company and whether or not they heard back within ten minutes or less
- How long respondent had been an auto insurance policyholder with current insurance company
- Insurance provider customer support rating, company rating, policy rating, and then averaged these for an overall rating. Each rating was out of 5 possible points.
- A variety of options for respondents to indicate what they liked and didn’t like about their auto insurance provider.
- Survey questions to collect information about claims data including how long until claim resolution and whether or not the customer felt the claim was resolved fairly.
Finding the Average Car Insurance Rates
In the survey, respondents indicated their gender, age range, average annual miles driven, and discounts in addition to their annual premiums. From there, we were able to find averages and indicate said averages in the article. We focused on comprehensive insurance coverage since that’s what we recommend.
Conclusion
Based on the average premium prices for full coverage, fair claims resolution, and customer satisfaction scores, New York State residents should obtain quotes from USAA, Erie Insurance, State Farm, GEICO, and Hartford.
Remember that car insurance doesn’t cover mechanical failure or vehicle damage as a result of improper maintenance.
Don’t miss out on other opportunities to save on your vehicle! You can start saving money on expensive repairs with maintenance reminders, error code decryption, and helpful tips with the FIXD app.
Frequently Asked Questions
What does New York being a no-fault state mean for car insurance?
For most accidents in New York, residents file a claim with their own insurance company regardless of which driver was at fault for the accident. There are exceptions for accidents involving pedestrians and/or motorcycles in New York State.
What New York insurance company provides the best service?
USAA has the highest customer satisfaction rating in New York according to FIXD users in the state. New Yorkers ineligible for a policy with USAA will also find outstanding customer service at Erie Insurance.
What is the cheapest car insurance in New York?
The cheapest car insurance companies in New York on average for full coverage are USAA, Erie Insurance, and NYCM. The good news is that they also offer good customer service according to New York State FIXD users.
Jesse Cunningham V is a professional writer and licensed insurance agent. He has worked in the insurance industry in different capacities, starting as a customer service representative and working his way up to an independent agency owner. He is licensed in the states of Maryland and Pennsylvania for Property, Casualty, Life, and Health products. Jesse has worked with many national carriers, including Nationwide, State Farm, Travelers, and Liberty Mutual, and specializes in car and home insurance and health, life, accidental death, and disability insurance. He writes for multiple publications including FIXD and Bauple.com. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.
