Looking for car insurance in New York? You have come to the right place.
Some New York auto insurers have decades of reputations for handling claims and impressing clients. Other insurance companies have little satisfaction with expensive claims and premiums.
Today, we list the best auto insurance companies in New York, including companies with a long and proven reputation for convincing clients across the state.
Read more: Best Auto Insurance and Cheapest Insurance Rates by Florida City.
The Top 10 Auto Insurance Companies in New York 2021
Time and time again, some auto insurance companies rank at the top of our list in terms of customer service, claim satisfaction, and pricing. New York's top 10 auto insurance companies include all of the following:
1. USAA
USAA is one of the leading auto insurance companies in the United States. The company often ranks near the top, or at the top, in claims satisfaction and customer service. USAA is also known for its competitive pricing and is often one of the cheapest providers in New York and other states. The only "downside" to USAA is that membership is restricted. You can only buy USAA auto insurance if you or a member of your immediate family is part of USAA. To join USAA, you or one of your immediate family members must be an active or retired member of the military. If you qualify for auto insurance with USAA, it easily becomes one of your best options in New York. In the latest JD Power rankings, USAA scored 884/1000, 50 points above the state average and 30 points above the next best insurer.
2. State farm
I chose JD Power State Farm as the Best Auto Insurance Company in New York in their recent rankings. Although USAA scores higher, USAA limits membership, which is why State Farm officially received the top prize. With a score of 851/1000, State Farm is 25 points above the state average and 24 points above its next competitors (GEICO and Travelers). State Farm is the largest insurance company in the United States and the company has a strong presence in New York. Today, State Farm is known for good claims satisfaction, customer service, and pricing, among other benefits.
3. GEICO
GEICO is often the cheapest auto insurance company in New York and other states. GEICO often undermines its competition by offering the same insurance policies, but at a lower rate. Although GEICO sometimes receives mixed reviews on claims satisfaction and customer service, GEICO remains one of the best insurance providers in the United States overall. The company has decades of experience handling customer claims throughout New York. As a driver anywhere in the state, you can choose GEICO and see exactly what kind of auto insurance experience you will have.
4. New York Central Mutual
New York Central Mutual, available exclusively in New York, is one of the best auto insurance companies in the state. New York Central Mutual is often the cheapest option for urban and rural drivers in the state. By taking advantage of discounts, New York Central Mutual members can lower prices even further. Overall, New York Central Mutual is ranked third in the latest JD Power rankings, making it one of the top picks in New York for claims satisfaction, customer service, and more.
5. Travellers
Travelers is one of the largest insurance companies in the United States, although it is not as well known as the other providers on this list. In the latest JD Power rankings, Travelers was named one of the top five auto insurers in the United States, ranking fourth. Travelers offer a wide range of auto insurance discounts, collection opportunities, and other benefits. The company is also known for its good customer service and satisfaction of your claims. In general, New York drivers are satisfied with the way travelers handle their auto insurance claims.
6. Allstate
Allstate is a large insurance company with millions of policyholders nationwide. Like other large insurance companies, Allstate has good claims satisfaction, customer service, and price ratings. Prices tend to be competitive with other higher-rated options on our list. Allstate is particularly popular with New York motorcyclists who want fast customer service, 24/7 claim satisfaction, a strong mobile app, and plenty of bundling opportunities.
7. Liberty Mutual
Liberty Mutual is rarely the cheapest option anywhere in New York, although the company regularly enjoys strong claim satisfaction rates. This means that Liberty Mutual clients are generally happy with the way the company handles their claims and works with them throughout the claims process. By taking advantage of discounts, Liberty Mutual customers can lower rates even further and pay rates comparable to some of the top-rated New York auto insurers on our list.
8. MetLife
MetLife is one of the largest insurance companies in the world and the company is understood to have a strong presence in New York. The New York City-based group has a long-standing reputation for providing effective auto insurance and other insurance products across the state. Some people obtain MetLife vehicle insurance on their own. Others are existing MetLife customers, for example, through the Employee Benefits Program. Whatever the case, MetLife ranks highly for claims satisfaction and customer service in New York.
9. Nationwide
Nationwide is one of the largest auto insurers in the United States, so it stands to reason that the company has a strong presence in one of the most populous states in the United States. Nationwide has average ratings on the demand for service and customer satisfaction, although the company remains among the highest-rated insurers in New York based on the latest rankings from JD Power.
10. Progressive
Progressive scores lower than its competitors in the latest JD Power rankings, despite the company being known for its competitive pricing in New York. Progressive offers affordable auto insurance to drivers in New York City and Upstate New York, including drivers in urban and rural areas of the state. Although Progressive can improve claims satisfaction and customer service, the company remains a popular choice for thousands of drivers across the state.
How to Compare Car Insurance Companies in New York 2021
All New York auto insurance companies make similar claims - they all claim to have handled your claims successfully, charge fair rates, and provide good customer service.
Unfortunately, not all New York insurance companies adhere to this statement. Some get a bad rap for denying the allegations. Others have a proven track record of paying claims accurately.
Some of the ways to compare New York auto insurance companies include:
JD Power Ratings: JD Power is one of the largest auto insurance ratings organizations in the United States. The company scans policyholders who have recently filed a claim and then uses that information to create national and regional rankings. JD Power classifies insurers by subregion, including subregions like New York. Check out the New York Auto Insurance Satisfaction Study that JD Power conducts each year for an objective look at the best auto insurance companies.
Best AM Financial Strength and stability: The best auto insurers are financially sound. You don't want your auto insurance company to be wiped out due to a hurricane or other natural disasters. Unfortunately, insurance companies with too much liability and insufficient assets regularly go bankrupt, leaving policyholders under water. Check the AM Best Financial Strength (FSR) rating from your insurance company. AM Best is one of the leading financial analysis companies serving the auto insurance industry.
Customer Reviews: Online reviews of New York auto insurance companies are a negative bias. Most people don't check with their auto insurance company unless they have a bad claims experience. This is why you should check online reviews, but take online reviews with caution. Customer reviews can give you a good overview of the overall "sentiment" of an insurance company, although overly negative or overly positive reviews are wary of.
Claim satisfaction: Buy car insurance to cover unexpected damages. Unfortunately, not all auto insurance companies cover damages well. Some companies have low claims satisfaction, while others have an acceptable history of claims coverage. Check out our New York Insurance Company's Claim Satisfaction Rating. Otherwise, your insurance company may not be available when you need it most.
Collection Opportunities and Other Products: Some New York insurance companies only offer auto insurance. Others offer a full range of insurance products. Some specialize in one type of auto insurance, while others partner with outside providers to group themselves. If you need more than car insurance, look for an insurance company in New York that meets all of your needs, not just your car insurance needs.
Price and competitiveness: Auto insurance in New York is relatively expensive. However, some auto insurance companies charge fair premiums, while others charge exorbitant premiums. We don't expect you to know the cost of auto insurance. However, by comparing the rates of various providers, you can get a better idea of how much car insurance should cost in New York.
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