Can I get GEICO in New York?

Drivers can find affordable auto insurance from GEICO in NY. Although New York requires drivers to carry liability, personal injury protection, and uninsured/underinsured motorist coverages, limits are very low and won’t offer much protection. Drivers are encouraged to add full coverage to their GEICO policy for complete protection. Get lower GEICO car insurance rates in NY by adding discounts and lowering deductibles.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Feb 16, 2022

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Can't-Miss Facts

  • Drivers can get GEICO car insurance in New York.
  • New York drivers are required to have liability, personal injury protection, and uninsured/under-insured motorist coverages.
  • GEICO drivers can save money on auto insurance by taking advantage of discounts and raising deductibles.

New York drivers spend a lot of time on the road and need auto insurance that fits their needs. As a result, many drivers turn to GEICO in New York for low rates with excellent coverage.

Although New York drivers have to carry a minimum amount of insurance, coverage requirements are minimal and might not meet your needs.

However, drivers can get low GEICO rates by taking advantage of discounts and looking closely at their policy.

Read our GEICO auto insurance review to learn more about coverages, rates, and specifics about the company.

Drivers in New York can also shop around to find the lowest rates. Each company offers different rates so compare rates and coverages from multiple companies to find your best deal.

Keep reading to learn more about GEICO in New York. Enter your ZIP code now to compare free New York auto insurance quotes from nearby companies.

Is GEICO auto insurance available in New York?

GEICO offers auto insurance to drivers in all 50 states and the District of Columbia. In addition to auto insurance, GEICO offers many different coverages, including homeowners, renters, and pet policies.

Drivers have to carry a minimum amount of auto insurance to drive legally in the state. However, these New York auto insurance minimums are low and may not provide the coverage you need.

New York auto insurance requirements are:

  • $25,000 per person and $50,000 per accident bodily injury liability
  • $10,000 per accident property damage liability
  • $25,000 per person and $50,000 per accident uninsured/underinsured bodily injury
  • $50,000 personal injury protection

While these coverages are mandatory, they do not pay for damages to your vehicle. Add collision and comprehensive coverages to protect your car.

Collision insurance pays for damages to your car from an accident that you caused. On the other hand, comprehensive pays for damages to your vehicle unrelated to an accident, such as fire, theft, and vandalism.

GEICO full coverage car insurance includes the required New York coverages as well as collision and comprehensive insurance.

Drivers who cannot pay out of pocket for damages to their vehicle should consider full coverage. Although rates are a little higher, you can avoid paying high repair bills.

Whether you add extra coverages or not, be sure to carry at least the minimum amount of car insurance required. According to the Insurance Information Institute, uninsured drivers face fines, having their car impounded, and even having their driver’s license suspended.

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What are GEICO auto insurance rates in New York?

Many different factors are used to calculate auto insurance rates, such as your age, driving record, vehicle, credit history, and ZIP code. GEICO uses a unique combination of these factors to calculate rates.

One of the most important factors looked at by GEICO is the type of coverage you want. More coverage equals higher rates. However, it also means more protection.

This table shows average annual rates from top insurance companies in New York based on coverage type.

New York Average Annual Auto Insurance Rates By Coverage Level
CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$4,372.19$4,716.54$5,134.16
Geico$2,287.62$2,416.55$2,580.54
Liberty Mutual$6,237.28$6,520.87$6,864.04
Nationwide$3,752.51$3,975.76$4,310.54
Progressive$3,559.37$3,745.62$4,008.45
State Farm$4,240.05$4,511.46$4,702.24
Travelers$4,309.32$4,522.76$4,904.29
USAA$3,644.21$3,741.21$3,899.63

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Although USAA offers the cheapest rates in New York, it only provides coverage to military members and their families. On the other hand, GEICO offers the most affordable rates on average to all drivers in New York.

Remember, although low or liability-only coverage is the cheapest, it offers very little protection. Consider full coverage to ensure you and your vehicle is wholly protected.

GEICO full coverage is only around $25 more a month than liability-only insurance, but your protection is greatly increased.

Another thing to consider is where you live in New York. Drivers who live in busy cities with traffic congestion and high theft rates will see higher rates. For example, auto insurance rates for GEICO in NYC will be higher than in Corning.

How can drivers save on GEICO in NY?

If you live in New York and have GEICO auto insurance, there are some easy ways to lower your rates.

First, take advantage of discounts. GEICO offers various auto insurance discounts based on a vehicle’s driver, policy, and features. Bundle them with other policies such as homeowners to get the greatest savings.

This table shows GEICO auto insurance discounts. The amount of savings is listed if it is available.

GEICO Auto Insurance Discounts
Auto Insurance DiscountsGEICO (%)
Anti-lock Brakes5
Anti-Theft25
Claim Free26
Continuous Coveragex
Daytime Running Lights1
Defensive Driverx
Distant Studentx
Driver's Edx
Driving Device/Appx
Early Signingx
Emergency Deployment25
Family Legacyx
Farm Vehiclex
Federal Employee8
Full Paymentx
Further Educationx
Good Student15
Homeownerx
Low Mileagex
Loyaltyx
Membership/Groupx
Military15
Multiple Policies10
Multiple Vehicles25
Newer Vehiclex
Occupationx
Passive Restraint40
Safe Driver15
Seat Belt Use15
Students & Alumnix
Utility Vehiclex
Vehicle Recovery15

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Next, look carefully at your auto policy for savings. Determine if you can drop or reduce any coverages, such as roadside assistance or rental car coverage.

Finally, you can also increase your coverage deductibles to lower rates. However, as with reducing coverage amounts, increasing your deductibles will mean you have to pay more yourself if your car is damaged.

GEICO in NY: The Bottom Line

It is easy for drivers to get GEICO in New York. Although New York drivers are only required to carry a minimum amount of auto insurance, they should consider adding coverages to be fully protected.

GEICO offers some of the cheapest auto insurance rates in New York, and drivers can save even more by taking advantage of discounts and raising deductibles.

Shop around before you buy GEICO auto insurance in New York. Many different factors are used to determine your rates, and each company looks at those factors differently.

We hope you have learned all you need to know about GEICO in New York. But, before you go, enter your ZIP code to compare free auto insurance quotes from companies in New York to find your best deal.

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