Car Insurance with Bad Credit in New York (2026)
Quick Answer
Bad credit in New York increases car insurance by 109%, raising full coverage from $3,840/year to $8,026/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$320/mo
Poor Credit (2.09x)
$669/mo
Best Companies for Bad Credit in New York
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $495/mo | $5,939/yr | Military families |
| Erie Insurance | $528/mo | $6,341/yr | Rate lock guarantee |
| GEICO | $548/mo | $6,581/yr | Clean driving record |
| Progressive | $589/mo | $7,063/yr | Telematics savings |
| State Farm | $609/mo | $7,304/yr | Good students |
| Travelers | $635/mo | $7,625/yr | Multiple discounts |
| Nationwide | $696/mo | $8,347/yr | Bundling home + auto |
| Farmers | $722/mo | $8,668/yr | Signal telematics |
| Allstate | $749/mo | $8,989/yr | Accident forgiveness |
| Liberty Mutual | $789/mo | $9,471/yr | New car replacement |
USAACheapest
Monthly
$495/mo
Annual
$5,939/yr
Best for: Military families
Erie Insurance
Monthly
$528/mo
Annual
$6,341/yr
Best for: Rate lock guarantee
GEICO
Monthly
$548/mo
Annual
$6,581/yr
Best for: Clean driving record
Progressive
Monthly
$589/mo
Annual
$7,063/yr
Best for: Telematics savings
State Farm
Monthly
$609/mo
Annual
$7,304/yr
Best for: Good students
Travelers
Monthly
$635/mo
Annual
$7,625/yr
Best for: Multiple discounts
Nationwide
Monthly
$696/mo
Annual
$8,347/yr
Best for: Bundling home + auto
Farmers
Monthly
$722/mo
Annual
$8,668/yr
Best for: Signal telematics
Allstate
Monthly
$749/mo
Annual
$8,989/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$789/mo
Annual
$9,471/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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