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What Used Cars are the Cheapest to Insure in New York

In New York, Ford’s Bronco, Chrysler’s Pacifica, and Subaru’s Outback are the cheapest used cars to insure. The 2021 Ford Bronco costs $131 monthly for full coverage, while liability-only coverage costs $47.

Group of happy young friends driving car in summer
TABLE OF CONTENTS

Want to know which used cars cost the least to insure in New York? We took the time to collect and compare the quotes for you!

In the article, you will find average prices and New York’s best car insurance companies. We even listed tips to lower your insurance premiums! So keep reading to simplify your decision-making.

New York Cheapest Used Cars to Insure

Through independent research, we’ve ranked the most affordable pre-owned vehicles to insure in New York. We used a basic driver profile, and you can find more details in our methodology.

1. Ford Bronco

Ford Bronco’s small SUV is the cheapest to insure in New York and costs $131 each month for a full coverage policy and only $47 for a liability-only policy. Its full coverage policy is 45% more affordable than the average full coverage policy in New York.

The Ford Bronco is an excellent find of a used car. It’s loaded with safety features and was awarded Top Safety Pick+ by the Insurance Institute for Highway Safety (IIHS).

2. Chrysler Pacifica

As the second cheapest to insure, Chrysler’s Pacifica is a minivan for those who want more seats or space. Policies cost $153 per month for full coverage and only $68 for liability. 

It’s also easy on the wallet because full coverage is 36% more affordable than the average New York policy. 

You will love this Top Safety Pick+ from the IIHS. We ran quotes on the base model, but this vehicle is also available in a hybrid option.

3. Subaru Outback

Subaru’s Outback, a 4-door wagon, is the third cheapest to insure in New York. Its full coverage policy runs $155 monthly, and you can find a liability-only policy for $65 per month.

For those that want a smaller find than the Ford Bronco, or Chrysler’s Pacifica, the Subaru Outback is another Top Safety Pick+ from the IIHS.

Travel by car family ride together brother and sister lean out of the window

The 45 Cheapest Used Vehicles to Insure in New York

Our list of 45 vehicles are recipients of the Top Safety Pick+ awards in 2021 from the Insurance Institute for Highway Safety (IIHS). We ran these vehicles and a basic driver profile through quote generators to produce this ranked list. 

You can read more about our research methodology below. The following chart ranks the 45 cheapest used vehicles to insure in New York.

Model YearMakeModelFull CoverageLiability Only
2021FordBronco$131.00$47.00
2021ChryslerPacifica$153.00$68.00
2021SubaruOutback$155.00$65.00
2021MazdaCX-5$156.00$67.00
2021SubaruForester$158.00$62.00
2021SubaruCrosstrek$160.00$64.00
2021HondaOdyssey$160.00$160.00
2021HondaAccord$161.00$69.00
2021HyundaiSanta Fe$166.00$72.00
2021HondaCivic$166.00$72.00
2021CadillacXT6$169.00$74.00
2021TeslaModel 3$169.00$169.00
2021ToyotaHighlander$172.00$76.00
2021AcuraMDX$172.00$172.00
2021NissanMurano$175.00$76.00
2021MazdaCX-9$177.00$69.00
2021SubaruLegacy$179.00$75.00
2021FordExplorer$179.00$74.00
2021NissanRogue$183.00$77.00
2021ToyotaSienna$185.00$80.00
2021HondaInsight$186.00$86.00
2021SubaruAscent$188.00$80.00
2021VolkswagenID$193.00$81.00
2021ChevroletTrailblazer$194.00$87.00
2021Mazda6$204.00$82.00
2021ToyotaCamry$205.00$90.00
2021Mazda3$208.00$85.00
2021MitsubishiOutlander$208.00$91.00
2021KiaK5$227.00$100.00
2021NissanAltima$231.00$100.00
2021VolvoV60$246.00$94.00
2021VolvoS90$252.00$66.00
2021VolvoS60$254.00$79.00
2021VolvoS60 Recharge$254.00$79.00
2021NissanMaxima$283.00$96.00
2021LexusES 350$320.00$320.00
2021AcuraRDX$354.00$199.00
2021AudiQ5$378.00$157.00
2021KiaStinger$397.00$267.00
2021GenesisG70$407.00$182.00
2021AcuraTLX$420.00$211.00
2021AudiA6$431.00$160.00
2021AudiA7$457.00$160.00
2021Mercedes BenzC-Class$457.00$457.00
2021LexusIS$484.00$210.00

Full Coverage vs. Liability Insurance Costs

Full coverage and liability insurance coverages vary significantly in cost. Below we’ve listed the New York average pricing for insurance on used vehicles.

  • Full coverage: $239.20 per month
  • Liability-only: $117.93 each month

The Best New York Car Insurance Companies

Looking at complaint indexes, we found the best New York insurance companies are Adirondack Insurance Company, Chubb National Insurance Company, and Preferred Mutual Insurance Company.  A lower ratio indicates more satisfied customers and these three companies have the lowest complain ratios in New York. 

We put together a collection of New York’s top ten Insurance Companies in 2021 from New York’s insurance complaint data. The state’s ratio is a factor of upheld complaints compared to the policy amounts within the state.

New York’s RankCompanyComplaint RatioAverage of Premiums in NYS
1Adirondack Insurance Exchange0.00107.124 million
2Chubb National Insurance Company0.0064.993 million
3Preferred Mutual Insurance Company0.0063.510 million
4Erie Insurance Company of New York0.0053.212 million
5Main Street America Protection Insurance Company0.0043.802 million
6Plymouth Rock Assurance Preferred Corporation0.0042.874 million
7Progressive Northwestern Insurance Company0.0035.986 million
8Travelers Property Casualty Company of America0.0028.203 million
9AIG Property Casualty Company0.0026.590 million
10Palisades Insurance Company0.0023.890 million
Shot of pretty young women singing while driving a car on road trip on beautiful summer day.

Tips to Lower Insurance Premiums in New York

Insurance premiums are a significant chunk of any household’s budget. Keep more money in your pocket by following these tips to reduce your car insurance premiums.

Research Methodology

Insurance premiums vary in every state. By focusing on the rates in New York instead of national averages, New Yorkers can make more informed decisions.

We used an insurance portal with a New York address and basic driver profile to get the most applicable results.

Basic Driver ProfileBasic Driver Profile
Age35
SexM
EducationBachelor’s Degree
Miles/year12,000
Driving RecordClean
Years with current carrier5+
Marital StatusSingle
HomeOwned
VehicleOwned

We used cars awarded the IIHS 2021 Top Safety Pick+. The IIHS is an independent, nonprofit organization that analyzes and compiles safety data about vehicles on the market.

Here’s a breakdown of our coverage choices for the quotes compiled:

Full Coverage QuoteLiability-only Quote
Bodily Injury Limits$100,000/$300,000$100,000/$300,000
Property Damage Limits$100,000$100,000
Personal Injury Protection$10,000$10,000
Underinsured BIL$25,000/$50,000$25,000/$50,000
Comprehensive Deductible$1,000not covered
Collision Deductible$1,000not covered
Rental Reimbursement$50/$1500not covered
Roadside Assistance$100not covered

Frequently Asked Questions

What is the cheapest SUV to insure in New York?

The least expensive SUV to insure in New York is Ford’s Bronco.

What if I cannot find a carrier in New York?

You can shop for a policy on the New York Automobile Insurance Plan, but rates will be higher. The NYAIP is a state-run insurance solution for those who cannot find insurance through standard carriers.

Are older cars cheaper to insure?

Older cars are cheaper to insure because they have lower values and are less expensive to replace.

How much liability insurance is required in New York?

In New York, your insurance policy must cover up to $10,000 in damages to other vehicles. For related medical expenses or death, your policy must cover at least $50,000 per person and up to $100,000 for each collision.

Can I use my liability policy from another state in New York?

You must have New York auto liability insurance to register your car in New York.

References:

(2022). New York State Insurance Requirements. New York State Department of Motor Vehicles. Retrieved November 10, 2022, from https://dmv.ny.gov/insurance/insurance-requirements

(2022). Auto Insurance. New York State Department of Financial Services. Retrieved November 10, 2022, from https://www.dfs.ny.gov/consumers/auto_insurance/Auto_resource_center

(2022). Shopping for Auto Insurance: Trouble Getting Coverage. New York State Department of Financial Services. Retrieved November 10, 2022, from https://www.dfs.ny.gov/consumers/auto_insurance/trouble_getting_coverage

(2022). 2021 Top Safety Picks. IIHS. Retrieved November 9, 2022, from https://www.iihs.org/ratings/top-safety-picks/2021

(2022). Auto Insurance Complaint Ranking. New York State Department of Financial Services. Retrieved November 11, 2022, from https://www.dfs.ny.gov/consumers/auto_insurance/auto_insurance_complaint_ranking

Jesse Cunningham profile picture

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. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.

We’re here to help you simplify car care and save, so this post may contain affiliate links to help you do just that. If you click on a link and take action, we may earn a commission. However, the analysis and opinions expressed are our own.

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About the Author

Jesse Cunningham

Jesse Cunningham

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. All articles by Jesse are opinion-based. Speak with your licensed insurance agent about the particulars of your insurance before making any decisions.

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