UPDATED: Apr 29, 2022

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Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Apr 29, 2022Fact Checked







New York StatisticsDetails
Miles of Roadway114,807
Vehicles Registered10,557,410
State population39,557,045
Most popular vehicleRogue
Uninsured % / Underinsured %6.1%
Total Driving Related DeathsSpeeding: 308
DUI: 999
Full Coverage Average PremiumsLiability: $804.51
Collision: $385.02
Comprehensive: $171.12
Cheapest ProviderGeico
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New York is a state that is abundant in its population, and it is considered the fourth largest state. Almost 40 million people call the state of New York their home and 8 million of those people reside in “The Big Apple”: New York City. New York City holds the honor of being the most populous city in the United States.

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But bring it up to the front, and let it simmer.

An organization known as the Insurance Information Institute came up with a list of top 10 states where the highest and lowest percentage of the population were insured.

More: Auto Insurance in Amherst, NY (The Complete Guide)

Good news for you New Yorkers, as New York ranks number two on the list of the lowest amount of the population insured. This leaves 6.1 percent of the population uninsured and driving without auto insurance. While this amount is still low, it is important if you own a car in New York to have auto insurance.

At the minimum, you need liability insurance, which covers you if you are in an accident and there is bodily injuries or property damage.

New York is one of twelve states that is a no-fault state. This means that after a car accident, your auto insurance coverage–either Med Pay or Personal Injury Protection–pays for your medical treatment and other out of pocket costs up to your policy limit.

More: Best Cheap Auto Insurance in Buffalo, NY (2022)

The mandatory amount of insurance a driver must carry in New York is as follows:

  • $25,000 for bodily injury per person with $50,000 of bodily injury per accident.
  • $50,000 for death per person and $100,000 for the death per accident.
  • $10,000 for property damage.
  • $50,000 in no-fault (personal injury protection) coverage. This is required.
  • Uninsured motorist coverage subject to the same minimum liability limits.

This minimum liability coverage is known as 25/50/10.

If stopped by a police officer, you must show your proof of insurance. New York is a state that allows you to show electronic proof of insurance. For convenience, you can show the officer a digital card through your insurance app on your phone, if offered by your insurance company. Double-check with your insurance company to see if this is something they provide.

More: Best Cheap Auto Insurance in Port Jervis, NY (2022)

Something to know: New York does not accept out-of-state vehicle insurance coverage. According to the DMV: “If your vehicle is registered in New York, it must have New York State auto liability insurance coverage. ”

Required Forms of Financial Responsibility in New York

The easiest way to satisfy the New York Motor Vehicle Financial Responsibility Law is by purchasing an auto insurance policy.

However, there are also other ways to make sure this policy is completely satisfied:

  • Surety bond.
  • Register as a self-insurer (if you own 25 cars or more).
  • Cash/Security Deposit with the DMV in the amount of $150,000 or more.

Premiums as Percentage of Income in New York

More: Best Cheap Auto Insurance in Syracuse, NY (2022)

We all have a job to do, and a paycheck and, hopefully, disposable income.

It is important to know what the term disposable personal income means.

Disposable personal income is the amount of money you have left to spend after you have taken care of your necessary expenses and after paying your taxes.

Over the course of three years, from 2012 to 2014, New York in terms of disposable income has stayed steadily in the range of $45,000 to $47,000. This is far above the countrywide average of $39,000 to $40,000 from the years 2012-2014.

The American Consumer Credit Counseling suggests that you save 20 percent of every paycheck if you can.

Average Monthly Auto Insurance Rates in NY (Liability, Collision, Comprehensive)

Core Auto Insurance Coverage in New YorkCost
Liability$804.51
Collision$385.02
Comprehensive$171.12
Full Coverage $1,360.66
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The above table illustrates data provided by the National Association of Insurance Commissioners on the average insurance costs in New York as of the year 2015.

The national average insurance costs are as follows:

  • Liability: $516.39
  • Collision: $299.73
  • Comprehensive: $138.87
  • Full Coverage: $954.99

New York runs above the national insurance costs in every category, possibly because New York is a no-fault state. It is also one of the most expensive states when it comes to full coverage auto insurance, coming in at number four behind the state of Michigan.

Remember, New York, like every other state, has minimum requirements for insurance coverage.

If possible, the insurance experts suggest purchasing more than the minimum amount required.

Additional Liability

The data in the table below is from the National Association of Insurance Commissioners. This is in regards to the average costs of additional liability loss ratios in New York.

Additional Liability Coverage in New YorkLoss Ratio - 2012Loss Ratio - 2013Loss Ratio - 2014
Personal Injury Protection (PIP) 66.08%68.92%66.66%
Medical Payments (Med Pay) 49.41%53.61%64.49%
Uninsured/Underinsured Motorist Coverage53.69%53.84%47.49%
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The term loss ratio means there is a certain percentage of claims that an insurance company is paying out. If the loss ratio is over 100 percent, the company is losing money. If the loss ratio is too low, the company is not paying claims.

The loss ratios for 2012-2014 are low, which could mean insurance companies are not paying out all claims. However, this could be due to the fact that Personal Injury Protection insurance is required in New York, and the insurance company is paying out from that first.

Uninsured Motorist Coverage is also required in New York and you must have, in terms of liability, at least the minimum amount of 25/50/10. This protects you and your passengers if the other driver is at fault and has no insurance.

Add-ons, Endorsements, and Riders

Adding additional coverage to your policy at a reasonable price is easy.

There are powerful and cheap extras you can add to your insurance policy.

Here’s a list of useful coverage available to you in New York:

  • Guaranteed Auto Protection (GAP)
  • Personal Umbrella Policy (PUP)
  • Rental Reimbursement
  • Emergency Roadside Assistance
  • Mechanical Breakdown Insurance
  • Non-Owner Auto Insurance
  • Modified Auto Insurance Coverage
  • Classic Auto Insurance
  • Pay-as-You-Drive or Usage-Based Insurance

New York Automobile Insurance Plan

While there is no government-mandated low-cost auto insurance plan for the state of New York, in 2017, Governor Andrew Cuomo signed legislation that changed New York’s auto insurance law. This is called Supplementary Uninsured Motorist coverage.

For example, if you have $100,000 in coverage, if you have Supplementary Uninsured Motorist coverage, the coverage protects not just the other driver, but you as well.

This type of coverage is worth looking into.

Average Auto Insurance Rates by Age & Gender in NY

In the battle of the sexes, males tend to pay more when it comes to auto insurance.

At least that is the myth. But what does the data say?

CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
Allstate$3,193.78$2,980.04$3,012.93$3,052.97$9,411.78$10,059.13$3,106.83$3,110.26
Geico$1,775.96$1,709.98$1,723.35$1,698.04$3,737.26$5,542.24$1,598.20$1,640.87
Liberty Mutual$4,808.02$4,808.02$4,476.84$4,476.84$9,371.20$14,468.63$4,808.02$5,108.28
Nationwide$3,003.69$3,003.69$2,829.30$2,829.30$5,431.46$8,143.12$3,003.69$3,859.22
Progressive$2,317.74$2,134.30$1,831.64$1,867.64$7,736.99$8,515.77$2,948.94$2,816.17
State Farm$2,838.51$2,838.51$2,481.13$2,481.13$8,316.70$10,504.50$3,126.63$3,289.54
Travelers$3,320.74$3,298.93$3,020.14$3,202.94$7,651.80$9,050.23$3,491.99$3,593.56
USAA$1,961.37$1,928.07$1,776.70$1,780.28$7,919.49$9,428.85$2,515.85$2,782.87
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The data shows that single males do end up paying more than single females, but married males pay a little less or the same amount as married females.

So the myth is true, in part.

All Zip Codes – Cheapest Rates by Zip Code

So many zip codes, and so many rates.

25 Most Expensive Zip Codes in New York CityAverage Annual Rate by Zip CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
11212BROOKLYN$10,751.24Liberty Mutual$17,558.88Travelers$11,880.71GEICO$5,780.57USAA$8,278.50
11233BROOKLYN$10,703.01Liberty Mutual$17,558.88Travelers$11,775.55GEICO$5,780.57USAA$8,278.50
11213BROOKLYN$10,646.36Liberty Mutual$17,558.88Travelers$11,775.55GEICO$5,780.57Progressive$8,079.76
11207BROOKLYN$10,606.21Liberty Mutual$17,558.88Travelers$11,880.71GEICO$5,780.57Progressive$7,402.08
11225BROOKLYN$10,427.03Liberty Mutual$17,558.88State Farm$11,586.05GEICO$5,780.57USAA$7,853.79
11216BROOKLYN$10,399.95Liberty Mutual$17,558.88State Farm$11,586.05GEICO$5,780.57Progressive$7,438.55
11221BROOKLYN$10,399.36Liberty Mutual$17,558.88State Farm$11,617.80GEICO$5,780.57Progressive$7,402.08
11239BROOKLYN$10,287.12Liberty Mutual$17,558.88Allstate$11,528.93GEICO$5,780.57Progressive$7,489.08
11203BROOKLYN$10,251.67Liberty Mutual$17,558.88Travelers$11,880.71GEICO$5,300.14Progressive$8,079.76
11236BROOKLYN$10,242.23Liberty Mutual$17,558.88Travelers$11,880.71GEICO$5,300.14USAA$8,278.50
11208BROOKLYN$10,105.99Liberty Mutual$17,558.88State Farm$11,613.31GEICO$5,780.57Progressive$7,844.91
11206BROOKLYN$9,964.09Liberty Mutual$17,558.88State Farm$11,642.66GEICO$5,780.57Progressive$6,585.30
11226BROOKLYN$9,920.06Liberty Mutual$17,558.88State Farm$11,144.66GEICO$5,300.14Progressive$8,159.70
11234BROOKLYN$9,739.93Liberty Mutual$15,452.41Travelers$11,651.31GEICO$5,300.14Progressive$7,716.90
11235BROOKLYN$9,670.87Liberty Mutual$15,452.41Travelers$11,115.43GEICO$5,300.14Progressive$8,066.79
11210BROOKLYN$9,652.77Liberty Mutual$15,452.41Travelers$11,651.31GEICO$5,300.14Progressive$7,955.87
11237BROOKLYN$9,602.92Liberty Mutual$17,558.88State Farm$11,621.22GEICO$4,510.55Progressive$7,437.15
11238BROOKLYN$9,569.83Liberty Mutual$17,558.88State Farm$11,586.05GEICO$4,187.43Progressive$7,438.55
11223BROOKLYN$9,458.27Liberty Mutual$15,452.41Travelers$11,115.43GEICO$5,300.14Progressive$8,066.79
11230BROOKLYN$9,440.17Liberty Mutual$15,452.41Travelers$11,115.43GEICO$5,300.14Progressive$8,066.79
11241BROOKLYN$9,410.20Liberty Mutual$17,558.88State Farm$10,797.26GEICO$3,457.75Progressive$7,489.08
11243BROOKLYN$9,410.20Liberty Mutual$17,558.88State Farm$10,797.26GEICO$3,457.75Progressive$7,489.08
11229BROOKLYN$9,387.51Liberty Mutual$15,452.41Travelers$11,115.43GEICO$5,300.14Progressive$7,716.90
11205BROOKLYN$9,370.09Liberty Mutual$17,558.88State Farm$11,180.76GEICO$4,510.55Progressive$6,126.60
11242BROOKLYN$9,364.53Liberty Mutual$17,558.88State Farm$10,797.26GEICO$3,457.75Progressive$7,489.08
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You can see above that Brooklyn zip codes cost, on average, the most in New York.


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25 Least Expensive Zip Codes in New York CityAverage Annual Rate by Zip CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
14830CORNING$2,729.59Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,814.79Progressive$2,084.94
14845HORSEHEADS$2,753.21Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,041.98
14814BIG FLATS$2,757.47Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,084.94
14870PAINTED POST$2,761.36Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,814.79Progressive$2,367.49
14903ELMIRA$2,761.81Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,084.94
14905ELMIRA$2,786.89Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
14904ELMIRA$2,788.48Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
14871PINE CITY$2,789.24Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,756.70Progressive$2,297.44
14894WELLSBURG$2,790.81Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
14901ELMIRA$2,791.14Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
14821CAMPBELL$2,812.94Liberty Mutual$3,958.87Allstate$3,317.92GEICO$1,814.79Nationwide$2,385.41
13850VESTAL$2,833.83Liberty Mutual$3,888.71Allstate$3,268.98GEICO$2,002.78Progressive$2,247.71
14816BREESPORT$2,873.78Liberty Mutual$3,932.34State Farm$3,505.38GEICO$1,756.70Nationwide$2,385.41
13795KIRKWOOD$2,878.91Liberty Mutual$3,888.71Travelers$3,337.03GEICO$2,002.78Progressive$2,428.42
13748CONKLIN$2,880.00Liberty Mutual$3,888.71Travelers$3,337.03GEICO$2,002.78Progressive$2,428.42
13603WATERTOWN$2,881.06Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13612BLACK RIVER$2,881.46Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13616CALCIUM$2,882.15Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13606ADAMS CENTER$2,884.39Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13601WATERTOWN$2,885.27Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13685SACKETS HARBOR$2,886.18Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13656LA FARGEVILLE$2,887.98Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13640WELLESLEY ISLAND$2,888.38Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13634DEXTER$2,888.57Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
13607ALEXANDRIA BAY$2,888.77Liberty Mutual$4,420.81Allstate$3,496.52GEICO$1,921.00USAA$2,165.68
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All Cities – Cheapest Rates by City

10 Most Expensive Cities in New York Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Brooklyn$9,347.06Liberty Mutual$17,558.88State Farm$10,797.26GEICO$3,940.28Progressive$6,859.27
Saint Albans$9,000.94Liberty Mutual$12,883.56Travelers$10,495.31GEICO$5,686.55USAA$7,089.23
Rosedale$8,885.68Liberty Mutual$12,883.56State Farm$9,995.10GEICO$5,287.14USAA$7,089.23
South Ozone Park$8,881.66Liberty Mutual$12,883.56Travelers$10,607.53GEICO$5,686.55USAA$7,089.23
Springfield Gardens$8,874.63Liberty Mutual$12,883.56State Farm$9,906.69GEICO$5,287.14USAA$7,089.23
South Richmond Hill$8,831.46Liberty Mutual$12,883.56Travelers$10,607.53GEICO$5,287.14USAA$7,089.23
Jamaica$8,826.92Liberty Mutual$12,883.56Travelers$10,241.08GEICO$5,386.99USAA$7,089.23
Arverne$8,802.18Liberty Mutual$12,883.56State Farm$9,799.24GEICO$5,287.14USAA$7,089.23
Woodhaven$8,773.94Liberty Mutual$12,883.56Travelers$10,302.35GEICO$5,096.98USAA$7,089.23
Howard Beach$8,739.15Liberty Mutual$12,883.56Travelers$9,817.66GEICO$5,287.14USAA$7,089.23
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Interesting enough: the most expensive city is Brooklyn.

What are the ten least expensive cities?

10 Least Expensive Cities in New York Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Corning$2,729.58Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,814.79Progressive$2,084.94
Big Flats$2,757.50Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,070.62
Coopers Plains$2,761.36Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,814.79Progressive$2,367.49
Elmira$2,788.83Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
Pine City$2,789.24Liberty Mutual$3,958.87Allstate$3,194.85GEICO$1,756.70Progressive$2,297.44
Wellsburg$2,790.81Liberty Mutual$3,932.34Allstate$3,194.85GEICO$1,756.70Progressive$2,254.47
Campbell$2,812.93Liberty Mutual$3,958.87Allstate$3,317.92GEICO$1,814.79Nationwide$2,385.41
Vestal$2,833.83Liberty Mutual$3,888.71Allstate$3,268.98GEICO$2,002.78Progressive$2,247.71
Breesport$2,873.77Liberty Mutual$3,932.34State Farm$3,505.38GEICO$1,756.70Nationwide$2,385.41
Kirkwood$2,878.90Liberty Mutual$3,888.71Travelers$3,337.03GEICO$2,002.78Progressive$2,428.42
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Elmira makes the list of least expensive cities.

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Best New York Auto Insurance Companies

When the word “best” comes to mind, maybe you look at a company’s financial rating. Maybe you look at customer ratings. Maybe you look at how cheap, or expensive, certain companies are.

One component to consider is which company has the largest market share in the region.

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Keeping in mind your definition of “best”, read on to find what is the best auto insurance company in New York.

The Largest Companies’ Financial Ratings

The A.M. Best Financial Rating is put out every year, and it measures how a company is doing financially.

CompanyFinancial Rating
GeicoA++
AllstateA+
State FarmA
ProgressiveA+
Liberty MutualA
Travelers GroupA++
USAAA++
NYCM InsuranceA
Nationwide CorpA+
Amtrust NGHA-
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Companies with Best Ratings

J.D. Power and Associates gave a study to auto insurance customers in multiple U.S. Regions in 2018 asking auto insurance customers: how would you rank auto insurance companies?

In the New York Region, New York Central Mutual has a rank of 852 on a 1,000 point scale, which means customers consider it “among the best”. MetLife is a close second, with a rank of 834 on a 1,000 point scale. This means customers consider MetLife “better than most”.

Companies with Most Complaints in New York

The State of New York Department of Financial Services publishes an Automobile Insurance Complaint Ranking every year.

According to the New York Law Journal, the list ranks all 159 companies “actively doing business in New York state”. There is a chart that lists the Top 84 (the 84 companies that have the fewest complaints), but this section specifically focuses on the companies with the most complaints.

The information was published in 2018 and pertains to the year 2017. This is the most recent information.

The 25 companies with the most complaints in New York. From the New York Law Journal.

Peerless has the highest complaint ratio, but Country-Wide has the most complaints.

Cheapest Companies in New York

CompanyAverage Annual Rate
Allstate$4,740.96
Geico$2,428.24
Liberty Mutual$6,540.73
Nationwide$4,012.93
Progressive$3,771.15
State Farm$4,484.58
Travelers$4,578.79
USAA$3,761.69
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If your definition of “best” relates to the cheapest price, Geico has the cheapest annual price for insurance in New York.

Commute Rates by Companies

Company10 Mile Commute25 Mile Commute
Allstate$4,675.15$4,806.77
Geico$2,358.45$2,498.03
Liberty Mutual$6,354.63$6,726.83
Nationwide$4,012.93$4,012.93
Progressive$3,771.15$3,771.15
State Farm$4,322.30$4,646.86
Travelers$4,578.79$4,578.79
USAA$3,723.73$3,799.64
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Whether you have a 10-mile commute or a 25-mile commute, all of the companies listed in the table above are reasonable when it comes to commute rates. If you are paying more for a commute, you are not paying too much more.

However, commute times don’t affect your rates as much as some other factors.

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Coverage Level Rates by Companies

CompanyAnnual Rate with Low CoverageAnnual Rate with Medium CoverageAnnual Rate with High Coverage
Allstate$4,372.19$4,372.19$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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For a low amount of coverage, Geico has the cheapest annual rates; they have cheap rates no matter what kind of coverage you need.

Credit History Rates by Companies

CompanyAnnual Rate with Poor CreditAnnual Rate with Fair CreditAnnual Rate with Good Credit
Allstate$6,865.50$5,985.24$5,985.24
Geico$3,042.53$4,012.93$4,012.93
Liberty Mutual$9,156.87$3,970.78$3,970.78
Nationwide$4,012.93$3,961.90$3,961.90
Progressive$6,065.81$3,944.57$3,944.57
State Farm$6,331.07$3,041.52$3,041.52
Travelers$6,396.79$2,913.64$2,913.64
USAA$5,800.63$2,235.78$2,235.78
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Geico understands if you have poor credit and offers the cheapest annual rates in regards to those with poor credit. For those with fair and good credit, Geico also offers you the best rates.

Driving Record Rates by Companies

Geico is coming out on top in a lot of categories when it comes to best rates, and this category is no exception. No matter whether you have a speeding violation, a DUI, or an accident, they offer you the cheapest rates.

CompanyClean RecordWith 1 AccidentWith 1 DUIWith 1 Speeding Violation
Allstate$4,004.39$4,004.39$5,884.41$5,884.41
Geico$1,894.00$2,064.88$3,860.07$3,860.07
Liberty Mutual$5,197.79$5,197.79$10,569.55$10,569.55
Nationwide$3,042.44$3,042.44$6,853.01$6,853.01
Progressive$3,664.67$3,664.67$4,066.27$4,066.27
State Farm$4,267.85$4,267.85$4,701.32$4,701.32
Travelers$3,901.71$4,896.91$4,964.33$4,964.33
USAA$3,348.28$3,402.69$4,893.09$4,893.09
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If you have a clean driving record, Geico also offers you the cheapest rates.

The companies that are not as forgiving when it comes to rates: Liberty Mutual, straight across the board, has the most expensive rates for driving record violations of any sort. They are also the least forgiving when it comes to you having a DUI on your record.

Liberty Mutual is also the most expensive company for those who have a clean driving record.

Largest Auto Insurance Companies in New York

CompanyDirect Premiums WrittenMarket Share
Geico$4,233,52531.93%
Allstate Insurance Group$1,843,73013.90%
State Farm Group$1,758,37013.26%
Progressive Group$1,284,1329.68%
Liberty Mutual Group$731,3965.52%
Travelers Group$529,6763.99%
USAA Group$392,3462.96%
NYCM Insurance Group$327,3662.47%
Nationwide Corp Group$302,8542.28%
Amtrust NGH Group$291,7502.20%
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Number of Insurers by State

Domestic and foreign comes down to whether you want to put your stock in something local or something available nationwide.

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Domestic means that the insurer is a local company only available in the state of New York while foreign means a company that is available in multiple states.

There are 173 domestic insurers and 709 foreign insurers in New York.

New York Laws

Jerry Seinfeld does try his best to follow the law and to get others to as well, as seen here when he hints about how his girlfriend needs to do the right thing.