New York Car Insurance

New York Car Insurance – Cheapest Auto Insurance in New York 2018

Buying the best auto insurance policy can be challenging when there are dozens of companies to choose from, all of which are advertising that they offer the cheapest car insurance in New York. The frustrating part is that premium rates in NY differ drastically depending on where you live and which car insurance company you get a quote from, so choosing the wrong insurer can be very costly if you don’t do your research and find cheap quotes online.

To help consumers pick the best coverage for their needs, MyCarInsurance123.com has published detailed data on how to get cheap car insurance in New York, including which companies offer the cheapest rates in each city. Furthermore, consumers will also find information on New York car insurance laws, regulations, and minimum liability coverage requirements. By leveraging our research and findings, you can rest assured you’re getting the best car insurance rates in New York.

New York Car Insurance

Average Car Insurance Rates in New York

In 2018, the average cost of car insurance in New York was $113 per month or $1,350 per year, which was cheaper than the national average of $135/month, or $1,625 annually. If your monthly or annual premiums are higher than the state average, you should compare car insurance quotes online to get lower rates.

New York Car Insurance Requirements

New York auto insurance requires you to have at least $25,000/$50,000/$10,000 coverage. These minimum liability requirements mean that your insurer will cover you up to $25,000 per injured person and up to a total of $50,000 per accident, including medical expenses. Any property damage, including public and private property repairs and claims, will be covered up to $10,000.

However, consumers should keep in mind that these minimum car insurance requirements are exceptionally low given the high cost of living in New York and that most insurance experts recommend buying a policy with at least $100,000/$300,000/$100,000 coverage. Higher liability limits for your New York car insurance policy serve to protect your personal financial assets.

New York Car Insurance Coverage

  • Minimum Bodily Injury Liability: $25,000/$50,000 Limit
  • Minimum Property Damage Liability: $10,000 Limit
  • Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
  • Personal Injury Protection: $50,000 Limit

Car insurance companies in New York must also offer uninsured/underinsured motorist coverage of $25,000 per person, and $50,000 per car accident, limiting your out-of-pocket expenses in case the other driver has no coverage.

Lastly, car insurance in New York must include personal injury protection (PIP) coverage in the minimum amount of $50,000. Personal injury protection is a “no-fault” coverage, meaning your insurance company will cover your medical expenses and lost wages regardless of which driver is at-fault for the accident.

Basic no-fault coverage in New York with a limit of $50,000 per person pays for the following:

  • Accident-related medical expenses, rehab, funeral costs, etc.
  • 80% of lost income or wages due to injuries from a car accident, up to $2,000 per month for 3 years
  • Up to $25 per day for a year to cover childcare services or household help
  • A $2,000 death benefit

If PIP limits are exceeded, then the at-fault driver’s liability car insurance coverage pays for the balance.

New York Car Insurance Laws

New York has no-fault insurance laws to help injured persons get immediate medical care after a car accident. When you have no-fault auto insurance coverage (PIP), your car insurance company will cover medical expenses after a car accident regardless of who is at-fault.

However, most New York auto insurance policies state that a policyholder forfeits his PIP benefits if he was driving while intoxicated or impaired by drugs, intentionally causing his own injuries, injured while committing a felony, or driving an uninsured vehicle.

Proof of Insurance

In New York, all drivers must have proof of insurance. Without proof of insurance, you may be fined between $150 and $1,500 and sentenced to 15 days in jail. Your license and registration may also be suspended and your car impounded.

If you no longer own valid car insurance for a vehicle, you must turn in your vehicle plates immediately. If there is a lapse in liability insurance and you do not surrender your vehicle’s plates, the New York DMV will suspend your license and registration and a civil penalty may be assessed. This is in addition to any other fines or convictions. Driving without valid car insurance is also seen as a traffic violation in New York.

No Grace Period

In New York, there is no grace period before you renew your auto insurance policy or obtain coverage on a new car. New York laws require that you mail in your renewal forms at least 15 days before your policy lapses.

Cheap Car Insurance in New York

Here is a list of the cheapest car insurance companies in New York. Finding the best auto insurance company is especially important when you live in expensive New York cities such as New York City, The Bronx, Brooklyn, Manhattan, Queens, Hempstead, and Staten Island.

RankCompanyAverage Annual Rates
1GEICO$799
2USAA*$845
3Erie$907
4Allstate$969
5Central Mutual$1,272
6NYCM Insurance$1,274
7Encompass$1,301
8Liberty Mutual$1,314
9Utica National$1,318
10State Farm$1,362
11Preferred Mutual$1,432
12Amica$1,627
13MetLife$1,706
14Hanover$1,720
15Nationwide$2,937

Please note that USAA is a specialty insurer and only serves military members and their families.

Cheapest Auto Insurance in New York By City

Below is a breakdown of the cheapest car insurance rates in New York by city and company. If your current premiums are higher, maybe it’s time to complete an auto insurance comparison online to find lower rates.

CityCheapest Insurer #1Cheapest Insurer #2Cheapest Insurer #3
New YorkGEICO$1,397 USAA*$1,613 Allstate$1,719
HempsteadUSAA*$1,326Erie$1,512GEICO$1,554
BuffaloGEICO$798Erie$966USAA*$990
BabylonGEICO$1,200USAA*$1,212Allstate$1,290
BronxGEICO$1,590Allstate$1,650Erie$2,375
BrooklynGEICO$1,632Allstate$1,836USAA*$1,935
ManhattanGEICO$1,119USAA*$1,386Allstate$1,685
QueensGEICO$1,340USAA*$1,557Allstate$1,763
Staten IslandGEICO$1,266USAA*$1,446Allstate$1,457
RochesterGEICO$534USAA*$648Erie$738
HuntingtonGEICO$1,068USAA*$1,212Allstate$1,314
SyracuseUSAA*$672GEICO$690Erie$726
AmherstGEICO$678Erie$822Allstate$960
AlbanyGEICO$666USAA*$696Erie$744
AuburnGEICO$666USAA*$690Erie$696
BinghamtonUSAA*$624Erie$684GEICO$684
ElmiraGEICO$606USAA*$654Erie$660
FairportGEICO$534USAA*$648Erie$738
FarmingtonGEICO$606USAA*$636Erie$690
Garden CityGEICO$1,170USAA*$1,326Allstate$1,422
IthacaGEICO$678GEICO$678USAA*$702
JamestownGEICO$666USAA*$684Erie$690
LawrenceUSAA*$1,326GEICO$1,356Erie$1,512
MassapequaGEICO$1,056USAA*$1,176Erie$1,260
MiddletownGEICO$972USAA*$1,002Erie$1,116
MineolaGEICO$1,170USAA*$1,254Allstate$1,422
NewburghUSAA*$708GEICO$1,002Erie$1,116
Niagara FallsGEICO$762Erie$816USAA*$816
PoughkeepsieUSAA*$876GEICO$900Erie$978
RomeGEICO$672USAA*$702Erie$786
SchenectadyGEICO$690Erie$702USAA*$726
TroyGEICO$642Erie$726USAA*$726
UticaUSAA*$702GEICO$780Erie$786
WebsterGEICO$534USAA*$648Erie$738
White PlainsGEICO$918USAA*$1,038Allstate$1,068

Largest Car Insurance Companies in New York

Here is a list of the largest auto insurance companies in New York ranked by market share.

RankCompanyMarket Share
1GEICO29.0%
2Allstate15.5%
3State Farm12.5%
4Progressive6.9%
5Liberty Mutual6.5%
6Travelers4.7%
7Nationwide2.9%
8NYCM2.6%
9USAA2.6%
10Hartford2.0%
Texas Car Insurance

Texas Car Insurance – Cheapest Auto Insurance in Texas 2018

Finding the cheapest car insurance in Texas can be a hassle with so many insurance companies competing for your business. The worst part is that consumers never know if they are getting a good combination of the best coverage and affordable rates. For this reason, MyCarInsurance123.com has compiled a comprehensive set of data outlining how to get cheap car insurance in Texas.

In addition to providing you details on Texas auto insurance rates, laws, regulations, minimum liability coverage requirements, and the best companies to buy from in each city, consumers can compare car insurance quotes online to find the lowest cost coverage.

Texas Car Insurance

Average Car Insurance Rates in Texas

In 2018, the average cost of car insurance in Texas was $145 per month or $1,750 per year, which was more expensive than the national average of $135/month, or $1,625 annually. If you are paying more than the state average, you may want to research the best auto insurance companies in Texas and get an instant quote online to compare rates.

Texas Car Insurance Requirements

Texas auto insurance mandates $30,000/$60,000/$25,000 coverage. These minimum liability coverage requirements mean that your insurer will cover up to $30,000 per injured person and a total of $60,000 per accident, including medical expenses. Any property damage, including public and private property repairs and claims, will be covered up to $25,000.

Because the minimum car insurance requirements in Texas are low and any expenses in excess of these liability limits will be paid by policyholders, insurance experts recommend drivers buy policies with $100,000/$300,000/$100,000 coverage. These higher liability limits for your Texas auto insurance will ensure your family’s financial security by protecting your personal assets, such as your home, savings, investments, etc.

Texas Car Insurance Coverage

  • Minimum Bodily Injury Liability: $30,000/$60,000 Limit
  • Minimum Property Damage Liability: $25,000 Limit

Auto insurance companies in Texas also offer uninsured/under-insured coverage in the event that you are involved in an accident with a driver who doesn’t have enough or any coverage. This policy option is not mandatory and will increase your monthly premiums. However, if your car is being financed, then your lender or leasing company will require you to purchase both collision and comprehensive coverage.

Texas Car Insurance Laws

Texas is an at-fault insurance state, meaning whoever causes the accident is legally liable and thus responsible for the other party’s auto repairs, medical bills, and possible lost wages. Under an at-fault system, drivers are required to carry at least the minimum amount of coverage.

Proof of Insurance

Proof of insurance is required in Texas and must be immediately accessible at all times. Failure to buy enough car insurance in Texas can result in fines between $175 and $350 for a first offense. A second conviction may result in license suspension, a fine between $350 and $1,000, and you may be required to file an SR-22 form. With multiple convictions, your driver’s license may be suspended and your car could be impounded.

No Grace Period

In Texas, there is no 30-day grace period to obtain insurance after buying a car.

Cheap Car Insurance in Texas

Here is a list of the best car insurance companies in Texas with the lowest rates. Finding cheap car insurance from the best insurer is especially important when you live in expensive cities such as Houston, Austin, El Paso, Dallas, Fort Worth, San Antonio, or Corpus Christi.

RankCompanyAverage Annual Rates
1USAA*$497
2Allstate$589
3Foremost County Mutual$654
4Farmers$668
5GEICO$688
6AAA Texas$693
7Texas Farm Bureau Mutual$693
8Merastar$739
9Direct General$747
10AIG$755
11Nationwide$770
12Fireman's Fund$771
13Amica Mutual$866
14State Farm$882
15Progressive$1,156
16Liberty Mutual$1,183
17Metropolitan Lloyds$1,221
18Mercury County Mutual$1,292
19National General$1,364
20Encompass Indemnity$1,681

Please note that USAA is a specialty insurer and only serves military members and their families.

Cheapest Auto Insurance in Texas By City

Below is a breakdown of the cheapest car insurance rates in Texas by city and company.

CityCheapest Insurer #1Cheapest Insurer #2Cheapest Insurer #3
HoustonAllstate$811Foremost$847GEICO$857
San AntonioAllstate$787Foremost$799Direct General$839
DallasAllstate$761Foremost$817Farmers Auto$858
AustinGEICO$751Foremost$778Allstate$782
Fort WorthTexas Farm$739Allstate$748AAA Texas$755
El PasoAllstate$629Foremost$661Farmers Auto$681
ArlingtonNationwide$650Allstate$689Fireman's Fund$744
Corpus ChristiAllstate$748Foremost$799Farmers Auto$851
PlanoAllstate$712GEICO$753Foremost$797
LaredoAllstate$655AAA Texas$664GEICO$672
LubbockAllstate$597Foremost$672Farmers Auto$686
IrvingGEICO$773Allstate$810Foremost$815
AmarilloAllstate$595GEICO$650Direct General$674
BrownsvilleAllstate$613Foremost$711Fireman's Fund$744
McKinneyAllstate$723Foremost$749GEICO$753
MesquiteAllstate$803GEICO$809Foremost$817
McAllenDirect General$746Foremost$780Allstate$780
KilleenAllstate$538Texas Farm$651AAA Texas$658
WacoAllstate$578GEICO$666Texas Farm$693
CarrolltonNationwide$655Allstate$731GEICO$735
DentonNationwide$590Allstate$691GEICO$735
MidlandAllstate$562Texas Farm$580AAA Texas$616
AbileneAllstate$519AAA Texas$596Fireman's Fund$647
BeaumontAllstate$807Foremost$819GEICO$857
Round RockGEICO$725Nationwide$740Foremost$742
OdessaForemost$638Farmers Auto$645Direct General$663
Wichita FallsAllstate$487AAA Texas$594GEICO$606
TylerForemost$709Farmers Auto$734Allstate$739
LewisvilleNationwide$649Allstate$715GEICO$735
College StationAllstate$621AAA Texas$663GEICO$677

Largest Car Insurance Companies in Texas

Here is a list of the largest auto insurance companies in Texas ranked by market share.

RankCompanyMarket Share
1State Farm19.3%
2Allstate11.3%
3Farmers10.9%
4Progressive8.8%
5GEICO8.1%
6USAA7.5%
7Texas Farm3.8%
8Nationwide3.6%
9Home State3.5%
10Old American3.0%
California Car Insurance

California Car Insurance – Cheapest Auto Insurance in California 2018

Shopping for the cheapest car insurance in California can be confusing with so many insurance companies claiming to offer the best quotes. With MyCarInsurance123.com, consumers have the opportunity to compare car insurance quotes in California and find the best companies with the cheapest rates.

However, before you go ahead and buy an auto insurance policy, it is important to learn about California car insurance rates, laws, regulations, and minimum coverage requirements.

California Car Insurance

Average Car Insurance Rates in California

In 2018, the average cost of car insurance in California was $180 per month or $2,150 per year, which was more expensive than the national average of $135/month, or $1,625 annually. If your premiums aren’t cheaper than the state average, you may want to consider comparing car insurance quotes from the best companies in California.

California Car Insurance Requirements

California car insurance requires drivers to buy at least $15,000/$30,000/$5,000 coverage. These minimum liability coverage requirements mean that your insurer will cover you up to $15,000 for an accident involving the death or injury of a single person, including medical expenses, and up to a total of $30,000 for an accident involving the death or injury of multiple people. Property damage liability coverage requires a minimum of $5,000 and includes coverage of public and private property repairs and claims.

Since California’s car insurance requirements are some of the lowest in the country, most experts recommend buying a policy with 100/300/100 coverage. These higher liability limits can protect your personal assets, including your home, business, savings, etc.

California Car Insurance Coverage

  • Minimum Bodily Injury Liability: $15,000/$30,000 Limit
  • Minimum Property Damage Liability: $5,000 Limit

California car insurance companies also offer optional uninsured or under-insured motorist coverage to protect you from other drivers who don’t have auto insurance or are minimally insured. Any difference between the insurance coverage and the total damages is the responsibility of the at-fault driver.

California Car Insurance Laws

Because California is an at-fault insurance state, you must carry liability auto insurance that will protect other drivers in the event of an accident that’s your fault. This means that the driver who caused the accident will be accountable, along with their auto insurance company, for any and all damages. Failure to comply with California minimum car insurance laws can result in stiff penalties from fines to license suspension.

Proof of Insurance

In California, all vehicles on public roads must maintain proof of insurance and keep the certificate with the vehicle at all times. The penalty for no proof of insurance carries a fine of up to $500 and can result in the suspension of your driver’s license and court fees. If there is a lapse in car insurance, auto insurance companies are required to report the lapse in coverage.

Once you have purchased a car, you have 30 days to buy auto insurance. When changing or canceling a policy, there is a 45 day grace period to obtain a replacement policy. If these deadlines are not met, your car’s registration can be revoked and penalties may apply. If the owner of the vehicle gets into an accident during this time, they are responsible for all damages and may not submit a claim or ask for reimbursement from a previous car insurance company.

Good Driver Discount Policy

Due to the passage of Prop 103, California law requires insurance companies to offer all good drivers a 20% discount. To qualify for a Good Driver Discount in California, you must:

  • have been licensed to drive for the past 3 years;
  • have no more than one point on your driving record during that time; and
  • not have been the at-fault driver in an accident that resulted in injury or death.

Cheap Car Insurance in California

Here is a list of the best car insurance companies in California with the lowest rates. Finding cheap car insurance from the best insurer is especially important when you live in expensive cities such as Los Angeles, Glendale, San Diego, Sacramento, San Francisco, or Long Beach.

RankCompanyAverage Annual Rates
1USAA*$647
2Amica Mutual$834
3Sterling Casualty$905
4Affirmative$913
5Progressive$929
6Loya$937
7Mercury$978
8Horace Mann*$987
9AAA$1,008
10GEICO$1,015
11California Casualty*$1,037
12Metropolitan Direct$1,105
13Unitrin Direct$1,105
14Safeco$1,115
15Allstate$1,241
1621st Century$1,250
17Kemper$1,276
18GMAC$1,278
19Esurance$1,314
20Infinity$1,394
21Safeway$1,408
22Nationwide$1,492
23Farmers/Mid-Century$1,508
24Federal Ins (CHUBB)$1,630
25Pacific Specialty$1,928

Please note that USAA, Horace Mann, and California Casualty are specialty insurers; USAA serves military members and their families, Horace Mann specializes in insurance for educators, and California Casualty is limited to teachers, police officers, firefighters, and nurses.

Cheapest Auto Insurance in California By City

Below is a breakdown of the cheapest car insurance rates in California by city and company.

CityCheapest Insurer #1Cheapest Insurer #2Cheapest Insurer #3
Los AngelesAmica Mutual$1,074 Sterling Casualty$1,232 Western General$1,251
San DiegoAmica Mutual$765California Capital$798Progressive West$810
San JoseHorace Mann$695Amica Mutual$755AAA$795
San FranciscoAmica Mutual$850Loya$893Horace Mann$906
FresnoLoya$789Affirmative$811Western General$825
Long BeachAmica Mutual$834Progressive West$990Sterling Casualty$1,041
SacramentoLoya$876Horace Mann$910Amica Mutual$929
OaklandAmica Mutual$748Loya$773AAA$908
BakersfieldWorkmen's Auto$716Loya$728Affirmative$738
AnaheimAmica Mutual$885Horace Mann$895Affirmative$960
Santa AnaHorace Mann$895Amica Mutual$927Western General$952
RiversideLoya$803Amica Mutual$823Sterling Casualty$861
StocktonWorkmen's Auto$750Affirmative$794Horace Mann$805
Chula VistaProgressive West$714Amica Mutual$740Alliance United$777
FremontWorkmen's Auto$704Amica Mutual$705Loya$752
IrvineAlliance United$831Amica Mutual$846Loya$867
San BernardinoGEICO$812Loya$814Amica Mutual$846
ModestoHorace Mann$805Workmen's Auto$805Affirmative$818
OxnardLoya$771Western General$807Workmen's Auto$822
FontanaLoya$814Sterling Casualty$878Amica Mutual$905

*In most California cities, USAA was the cheapest insurer, but since the company only serves military families, we excluded them from our rankings, so keep that in mind when comparing auto insurance quotes.

Largest Car Insurance Companies in California

While bigger isn’t always better, here is a list of the largest auto insurance companies in California ranked by market share.

RankCompanyMarket Share
1State Farm14.0%
2Farmers13.2%
3Allstate9.0%
4Mercury8.5%
5Auto Club (AAA)8.5%
6CSAA Insurance6.6%
7GEICO6.5%
8USAA4.4%
9Progressive4.1%
10Liberty Mutual3.60%