Top 5 Auto Insurance Providers in New York

New York requires drivers to have auto insurance to drive legally. The minimum policy includes liability and no-fault coverage as well as medical payments coverage to protect you and your family in case of an accident.

If you want extra protection, comprehensive and collision coverage might be right for you. Not only can it pay for repairs after an accident occurs, but these policies also cover damage from other non-accident related events like theft or weather-related issues.ProgressiveProgressive is an industry-leading auto insurer that offers comprehensive coverage options. Their customer service representatives are available 24-7 to answer questions and handle claims; additionally, Progressive’s mobile app enables policyholders to file claims easily as well as access discounts.This company boasts an excellent financial profile, receiving both a B rating from the Better Business Bureau and an A+ from credit-rating agency Moody’s. Customer satisfaction levels were similar to industry average according to J.D. Power and Consumer Reports ratings.Progressive’s claims processing time ranges between seven and 14 days on average; however, there have been reports of long repair waits. Progressive offers a concierge service where customers can drop off their cars at specific repair shops to expedite claims processing more quickly. Furthermore, Snapshot Telematics program may help drivers save money by monitoring driving habits but this service may not be available everywhere.State FarmState Farm Auto Insurance provides comprehensive auto coverage options, such as liability, collision, comprehensive, roadside assistance and rental car reimbursement & travel expense protection. Their extensive agent network makes finding local representatives easy; customers frequently praise this provider for being affordable & convenient.State Farm stands apart from its competitors by not using credit scores when determining its premium calculations. Instead, this company boasts high customer satisfaction ratings and an A++ (Superior) financial strength rating from AM Best; additionally it offers several discount programs such as Drive Safe & Save and Steer Clear designed to protect young drivers.State Farm’s full coverage auto insurance rates in New York rank among the lowest nationally. But keep in mind that your individual rates depend on many variables, including driving record and other aspects. Below is a table demonstrating how an insured with good driving records compares with national average monthly quotes.ERIEErie offers an assortment of auto policies, from liability-only and full coverage policies, home, life and business policies as well as discounts such as diminishing deductible and vehicle storage discounts. Additionally, they also offer numerous perks including vehicle storage discounts.Other benefits include roadside assistance and rental car coverage. There’s even an optional new-car replacement coverage, which covers the cost of a brand-new vehicle in case it is totaled in an accident; this coverage doesn’t factor for depreciation but is only available in certain states.Erie offers low rates while also boasting exceptional customer service and an outstanding financial rating, in addition to offering various discounts – multi-car and safe driving included – through its user-friendly website that makes obtaining quotes easier than ever – saving both time and effort if comparing quotes using Insurify is used instead of doing this yourself.NationwideNationwide offers a diverse selection of auto insurance policies, with its claims service being highly-rated and its rates some of the lowest compared to other providers. Furthermore, its customer satisfaction ratings are outstanding: Nationwide was ranked in the top 14 of 2023 J.D. Power Auto Insurance Study both for purchase satisfaction as well as customer retention ratings.Nationwide offers affordable car insurance rates based on several factors, including location, age, gender and marital status. Furthermore, they provide various add-ons and coverage, such as SmartRide/SmartMiles usage-based programs to lower premiums by tracking driving habits as well as their accident forgiveness policy which ensures your rate does not increase after being responsible for an at-fault accident or minor violation. Furthermore, Nationwide also offers its complimentary On Your Side review every year as well as after significant life events to make sure their customers receive complete protection with adequate coverage and maximum value from their policy coverage options