If you want cheaper insurance, you have to show insurers you’re a low risk driver. Studies have shown certain drivers pose more of an accident and claim risk, so they charge accordingly. You’ll see the cheapest rates for drivers with a newer car, low annual mileage, good credit score and no accidents or tickets. You can also keep costs down by keeping your car in a garage and paying premiums on time.
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New York - New Yorkers get all of the information they need on NY's Department of Financial Services website insurance industry section. Whether you are from New York City - Manhattan, Queens, Brooklyn, The Bronx, Staten Island or any other NYC location, Buffalo, Rochester or any other city within New York, you will most likely find all of the local insurance information that you need here: Consumer Resources, Agents & Brokers, Companies, Applications & Licensing
For the full list of insurers, see below, where they're ranked from most affordable to most expensive. Rates are based on the average of our two drivers, who haven't had any traffic violations or accidents in the past five years. Based on your experience as a driver, and the types and amounts of coverage you choose on your auto insurance policy among other factors, your quotes will differ.

For instance, a moving violation affects your driving record for three years in most states. Once you know it has been three years since your ticket, there’s no need to wait for your current auto policy to expire. You can immediately quote a new policy that will no longer charge you for that violation. The same goes for an at-fault accident, which will typically affect your rate for three to five years (but can vary by state and carrier). In addition, Progressive offers discounts for being ticket- and accident-free.
Different people can pay drastically different prices for car insurance at the same company. Compare car insurance companies that can offer you the best deal for you individually, not across the board. You can also compare local insurance companies, which tend to have higher customer satisfaction rates than their big-name counterparts and could potentially have lower rates.
Safeguarding your financial security is only one of the reasons it makes sense to purchase car insurance. And the more you know about auto insurance, the smarter the choices you'll make when it comes time to renew or buy that new policy. Spend a little time learning about car insurance; while you may never need to file a claim, if you do, you'll be very glad you did.
Different people can pay drastically different prices for car insurance at the same company. Compare car insurance companies that can offer you the best deal for you individually, not across the board. You can also compare local insurance companies, which tend to have higher customer satisfaction rates than their big-name counterparts and could potentially have lower rates.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Discounts may not be applied to all policy coverages.

MetLife has become aware of a recent phishing attack against some of our customers. ‘Phishing’ is a fraudulent attempt to obtain an individual’s personal information, often through a misleading email, text or other online communication. Keeping your personal information secure is a top priority of MetLife. That's why we encourage you to take precautions to protect your personal data, and why we do not ask you to verify your personal or account information by email, text message or online. If you suspect you received a phishing email, please forward it to: phish@metlife.com. Delete the email after you forward it, and do not click on any links it contains. If you believe you entered information into a linked website, change your login information immediately. For helpful hints to protect your personal information, visit the following website: https://www.consumer.ftc.gov/articles/0003-phishing
Since most people choose one of these large insurers, NerdWallet compared quotes from the five largest auto companies in ZIP codes across the country. Rates are for policies that include minimum coverage required in each state, plus collision and comprehensive coverage. Our “good driver” profile is a 30-year-old with no moving violations and credit in the “good” tier. Use the tabs to see rates for drivers with credit in the “poor” tier and those with one at-fault accident as reported to the insurer.
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