"What is the cheapest car insurance option available to New York residents?"

In New York, the cheapest car insurance company is NYCM, with an average annual premium of $998 or $83 per month.

Utica National, Progressive, and Geico also offer competitive car insurance rates in New York.

In New York City, Kemper provides an average monthly car insurance premium of $55, significantly cheaper than the state's average of $200.

Car insurance rates in New York vary by city, with the cheapest rates found in cities like Horseheads and the most expensive in Brooklyn.

Specific cities, such as Albany, have the cheapest car insurance provided by companies like Kemper, with rates as low as $55 per month.

Young adults in New York (aged 20-25) can expect to pay an average of $2,739 per year for a full coverage policy.

Average-aged drivers (30-60 years) pay approximately $1,839 per year, while senior drivers (60 and older) pay around $1,911 per year.

Car insurance companies in New York can legally base premiums on credit scores.

Geico is a suitable option for New Yorkers with good or bad credit, with rates of approximately $1,057 or $2,941 per year, respectively.

For young New York drivers aged 20-30, Progressive has the lowest premiums, approximately $1,200 per year.

Insurance rates for young drivers, especially those under 25, can be significantly higher due to a higher risk of accidents.

The Ford Bronco is the cheapest used car to insure in New York, with full coverage costing $131 per month or $47 for liability-only.

New York ranks as the most expensive state for car insurance, with an average annual cost of $4,769, which is 55% higher than the national average.