Top 10 New York Car Insurance Companies

Buying car insurance in the state of New York requires time and effort. Although there are many car insurance companies that offer coverage in this state, only a few of them provide quality products at affordable rates.

Before you make a decision, do your homework and search for information about the insurance carriers you are interested in.

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1. Infinity Insurance Company

Established in December 2002, Infinity Property & Casualty Corporation is a national insurance provider that sells products and services through more than 12,500 independent agents.

The company has recently ranked 4th in the Top 15 Insurance Stocks within A.M. Best Indexes.

As the second largest writer of non-standard car insurance in the US, Infinity provides New York residents with different types of coverage for personal and commercial vehicles.

Infinity specializes in personal auto insurance, classic car insurance, and commercial vehicle insurance.

Premier customers enjoy automatic enrollment in Infinity’s Roadside Assistance program and automatic transfer of coverage for additional vehicles.

For those who are on a tight budget, the company provides low-cost policies that meet the minimum state car insurance requirements.

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2. Adirondack Insurance Group

As indicated in the Annual Ranking of Automobile Insurance Complaints, Adirondack Insurance Group had a complaint ratio of 0.00 in the year 2009.

The company operates in New York City and provides homeowner and auto insurance policies.

Drivers who buy auto policies from Adirondack Insurance Group have access to a wide range of products and services such as:

• Collision deductible reimbursement
• Roadside assistance
• Travel document recovery

Adirondack Insurance Group offers a special type of coverage called Auto Security Plus.

This insurance policy covers original equipment manufacturer replacement parts, accidental air bag deployment, and travel expenses following a car accident.

The company is committed to treat customers professionally at all times and issue checks within 72 hours after filling the claim.

3. Progressive Advanced Insurance Company

Founded in 1937, Progressive Advanced Insurance Company offers car insurance at competitive rates to all drivers throughout the United States.

Customers can buy coverage online, by phone, or from independent insurance agents.

The company has over 450 offices and more than 25,000 employees throughout the country.

Progressive has an A+ rating from A.M. Best. As one of the largest car insurance providers in the US, the company features superior online and in-person customer service. Customers can opt for  the following coverages:

• Personal auto insurance
• Commercial vehicle insurance
• RV insurance
• Motorcycle insurance

If you are interested in buying car insurance in New York, visit the company’s website and apply for a free quote.

Read more: Progressive Advanced Insurance Company Car Insurance Review

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4. Amica Mutual Group

Amica Mutual Group has been selling car insurance since 1907. The company has received numerous awards, including “Highest in Customer Satisfaction Ratings among National Auto Insurers, 12 Years in a Row” from J.D. Power and Associates.

As the oldest auto insurance company in the US, Amica has an A++ rating from A.M. Best.

The company provides New York car insurance of several different types. Drivers can purchase liability coverage, collision coverage, and comprehensive coverage.

You can also buy special types of auto insurance that cover any expenses associated with injuries to you or your passengers. The car insurance policies offered by Amica Mutual Group are fully customizable.

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5. Metropolitan Casualty

MetLife is an industry-leading supplier of insurance, retirement and savings products. For more than a century, the company has offered car insurance plans that go beyond basic liability and collision coverage.

Drivers who want to insure their cars with MetLife can opt for  the following:

• Collision and comprehensive coverage
• Uninsured/underinsured motorist coverage
• Personal injury protection coverage
• Rental car coverage.

In addition to car insurance, MetLife provides coverage for snowmobiles, ATVs, golf carts, and other recreational vehicles. The company features safe driver discounts, credits, and bonuses.

6. The Main Street America Group

Established in 1923, The Main Street America Group sells personal and business car insurance policies through more than 1,500 independent agents.

The company has an A rating from A.M. Best for its strong operating performance.

If you live in New York and you want to buy car insurance from The Main Street America Group, you can opt for:

• Bodily injury liability coverage
• Property damage liability
• Uninsured/underinsured motorist coverage

The company offers several payment options, including electronic funds transfer (EFT), online bill pay, checks, money orders, and pay by phone. Customers can opt for monthly, quarterly, and annual payments.

7. Allstate Insurance Group

Allstate Insurance Group–the largest publicly held personal lines insurer in the US–has an A+ rating from A.M. Best and an Aa3 (Excellent) from Moody’s Investors Service.

The company has regional offices all over the US. New York residents can choose from different types of car insurance including:

• Liability coverage
• Medical payments coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection

This top insurance company offers safe driver discounts, good student discounts, bundling discounts, and teen driver programs.

If you are interested in the products and services available at Allstate, check out the company’s website and fill in the application form to receive free car insurance quotes.

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8. State Farm

State Farm has been offering auto insurance since 1922. Customers who insure their cars with State Farm can pay their rates online, view policy information, and file claims through the company’s website.

Statistics show that over 40 million drivers trust State Farm for their car insurance needs.

The company provides New York drivers with multi-policy discounts, anti-theft discounts, good driver discounts, and driving course discounts. State Farm sells its products through over 17,000 insurance agents nationwide.

9. Unitrin Direct

As a part of Kemper Corporation, Unitrin Direct is a well-established car insurance provider that operates nationwide.

The company has an “A-” (Excellent) rating from AM Best. Over six million people have insured their cars with Unitrin Direct.

You can visit the company’s website anytime to ask for a free quote, review your policy information, and make automatic payments through your credit card.

With more than $8 billion in assets, Unitrin Direct provides customers with a wide range of payment plans and insurance discounts. Policyholders can file claims 24 hours a day from anywhere in the United States or Canada.

10. American Family Home

For over 80 years, American Family Home has been offering premium insurance products. The company specializes in home, life, auto, business, and farm insurance.

or car owners, American Family Home provides liability insurance, auto rental reimbursement, and emergency road service coverage.

This auto insurance company offers a variety of ways to save money on car insurance.

New York drivers who qualify for good student discounts, multiple vehicle discounts, defensive driver discounts, and accident-free discounts can save hundreds of dollars on car insurance.

They can also buy coverage for commercial vehicles and trucks, motor homes, boats, ATVs, and snowmobiles.

Comparing three to five auto insurance quotes from the best car insurance companies in New York is the most convenient way to find a policy that suits both your needs and your budget.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

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