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When you are getting auto insurance, you typically opt-in for either a minimum coverage auto insurance policy or a full coverage auto insurance policy. Factors that might affect your decision to opt-in for minimum coverage or full coverage are your age, income, daily driving distance, driver history, monthly driving distance, the accident rate in your zip code, and or accident rate on your commonly taken commute route. If income is a deciding factor when it comes to choosing between a minimum auto insurance coverage policy and a full auto insurance coverage policy, then it helps to know which companies offer the cheapest rates for your budget, driving history, and driver profile.

Learn about affordable auto insurance companies in NY

The year 2020 will forever be referred to as the year of COVID-19 and unfortunately, a lot of people lost their jobs as a result of different government mandates. These mandates had a direct and indirect effect on businesses and consequently their employees. Now it’s 2021 and you are getting ready to renew your auto insurance policy in NY. From the online research that was conducted, USAA, Progressive, Erie, Geico, and Allstate are some of the best insurance companies for auto insurance buyers in NY for 2021. Some of the insurance companies offer more benefits for certain auto insurance buyers than others. Firstly, we will provide an in-depth company profile of each of these companies. Next, we will discuss the different auto insurance buyer profiles. Finally, we will discuss what each company offers for each of these customer profiles.

Auto Insurance Company profile breakdown 2021

affordable auto insurance companies

Geico Auto Insurance NY

Geico Customer Reviews 1,500+ Reviews with an average of 3.8 out of 5 stars rating
Geico Year over Year Rate change 4.8%
Geico Market Share 2021 13%
Average Savings from Switching to Geico 15 minutes can result in 15% or more in savings
How to Cancel Geico Insurance Call (800) 841-1587

Progressive Auto Insurance NY

Progressive Customer Reviews 1,800+ Reviews with an average of 3.9 out of 5 stars rating
Progressive Year over Year Rate change 0.2%
Progressive Market Share 2021 12%
Average Savings from Switching to Progressive $550
How to Cancel Progressive Insurance Call 1-800-776-4737

Allstate Auto Insurance NY

Allstate Customer Reviews 1,400+ Reviews with an average of 3.9 out of 5 stars rating
Allstate Year over Year Rate change 1.2%
Allstate Market Share 2021 9%
Allstate Savings from Switching to Geico $473 if switching from Geico
How to Cancel Allstate Insurance Call your agent.

USAA Auto Insurance NY

USAA Customer Reviews 1,400+ Reviews with an average of 4 out of 5 stars rating
USAA Year over Year Rate change 4.4%
USAA Market Share 2021 6%
Average Savings from Switching to USAA Several hundred dollars
How to Cancel USAA Insurance Call 210-531-8722 or 800-531-8722

Erie Auto Insurance NY

Erie Customer Reviews 500+ Reviews with an average of 3.8 out of 5 stars rating
Erie Year over Year Rate change N/A
Erie Market Share 2021 NA
Average Savings from Switching to Erie 16-25%
How to Cancel Erie Insurance Call (800) 458-0811

Factors That Can Affect Your Auto Insurance Rates

Factors that can affect your auto insurance

Factors that can affect your auto insurance

The table below breaks down your estimated annual auto insurance rate coverage for an insurance policy in New York and the factors that can lead to the estimated rates. Some of the factors that are taken into consideration are prior tickets record, prior accidents, credit scores, safety driving test completion, single and married. These numbers and discounts or add ons are based on annual rates.

Driving Profile Geico Auto Insurance Progressive Auto Insurance Allstate Auto Insurance State Farm Nationwide
Tickets $1,449 $1,916 $2,239 $1,807 $1,900
Accidents $1,971 $2,231 $2,752 $1,657 $1,745
Poor Credit Score ~107% increase ~107% increase ~107% increase ~107% increase ~107% increase
Safety Driving Test 10% Discount 10% Discount 10% Discount 10% Discount 10% Discount
Married Avg. $96 Discount Avg. $96 Discount Avg. $96 Discount Avg. $96 Discount Avg. $96 Discount
Single $1,088 $1,508 $1,446 $1,383 $1,163

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