Unless you’ve been living under a rock (without cell service or wifi), you’ve seen at least one GEICO car insurance commercial.
Their slogan,
“15 minutes will save you 15% or more on car insurance,”
…plays on a loop during sporting events, daytime television, Saturday morning cartoons, the news, radio, YouTube, and just about every other media outlet.
In determining the best car insurance in New York, we always start with a carrier’s ability to handle and pay claims. An insurance carrier's size and brand recognition play almost no role in the company's quality.
Using over 15 years of experience helping New York drivers, we used the following characteristics in building this list of GEICO alternatives:
- Consistency of Pricing
- Quality of Claims Service
- Accident Forgiveness
- Discount Availability
- Ease of Doing Business
We then considered the types of coverage offered, pricing, and the availability of discounts. Pricing information was determined by using general rate calculations for a wide range of driver types and qualifications. Rates will always vary based on your personal driving experience, type of vehicle, usage, credit score, etc.
Lastly, we added in our own biases providing car insurance to New York residents for over 15 years.
NOTE: These carriers are not in rank order as the nuances of each are too specific. Regardless, you can’t go wrong if you’re insured by one of these companies.
The Hanover Insurance
Hanover offers Platinum Care insurance with flexible coverage packages, enabling you to select a package that closely matches your particular lifestyle. Each of these options can be further shaped to meet your needs with our special home insurance endorsements, such as:
- Quality Liability Coverage
- Guaranteed replacement cost
- OEM Parts
- Accident Forgiveness
- Excellent Rates
The Rogue Take
Hanover’s car insurance product is one of the most comprehensive when it comes to coverage and protection. Their claims handling is tremendous, and they’re easy to work with when there is a problem. They are not always the cheapest option, but if you care about your car and what’s inside it, then The Hanover is a great alternative to GEICO car insurance.
MetLife Insurance
MetLife Auto & Home’s auto insurance offers the best coverage options to fit your life and budget. New York drivers have saved an average of $591 per year. This is especially true if you have good credit.
- Quickly bounce back from accidents with roadside assistance, repair and referral networks, replacement coverage for total loss, and identity theft protection services.
- Choose from options like new car replacement or special parts replacement, enhanced car rental damage coverage, and more.
- Save with good driver rewards, automated payment discounts, and multi-product and policy savings.
The Rogue Take
MetLife quickly becomes one of our favorite alternatives to GEICO car insurance. We’ve worked with hundreds of New York drivers who’ve been overpaying with GEICO and didn’t realize. MetLife rewards good drivers, experienced drivers, and drivers with good credit with massive savings.
Travelers Insurance
Whether you’re buying insurance for the car of your dreams, Travelers can help you protect this prized possession with car insurance that fits your priorities and budget.
Travelers have been around for more than 165 years and have earned a reputation as one of the best property casualty insurers in the industry because they take care of our customers. Their expertise and focus on innovation have made them a leader in personal, business and specialty insurance and the only property casualty company in the Dow Jones Industrial Average.
Every day, approximately 30,000 Travelers employees and 13,500 independent agents and brokers in the United States, Canada, the United Kingdom, and Ireland help provide peace of mind to their customers.
The Rogue Take
Travelers is known throughout the insurance industry as a car insurance company that pays claims. That may sound like a given, but in Travelers case they look to find ways to pay. That’s a good thing for you and NOT necessarily true with GEICO, making Travelers a tremendous alternative.
New York Central Mutual
NYCM Insurance is a property and casualty insurance company located in central New York that employs over 800 personnel.
The company was founded in 1899 by VanNess DeMar Robinson. NYCM Insurance continues to provide the outstanding service and security it was built on over 100 years ago.
The Rogue Take
There is a good chance you’ve never heard of New York Central Mutual (NYCM) unless you’ve had car insurance with NYCM before. But if you’ve had your car insurance with NYCM, then you still probably have your car insurance with NYCM because they are the best in New York.
Safeco Insurance
Safeco knows trust matters when it comes to some of your biggest investments, like your home, car, and even your boat. Safeco stands ready at life’s trying moments, from the smallest fender-bender to a storm-damaged home.
With a comprehensive range of insurance coverage and expert advice from local independent agents (like Rogue Risk), Safeco makes it simple to protect what’s important to you and easy to get the best mix of coverage and pricing.
At Safeco Insurance, we promise to make it easy for you, provide the coverage you need, connect you with local agents who offer personal advice, and, most importantly, be there for you when you need us most.
The Rogue Take
Safeco insurance is as solid a car insurance company as you’re going to find in New York. Consistent pricing, consistent claims handling, and solid service. You can’t go wrong with Safeco.
Plymouth Rock
Plymouth Rock Assurance believes you deserve the peace of mind when protecting the important assets in your life. That’s why we offer affordable car and home insurance rates, along with other types of insurance, through our agent relationships and partnerships.
If you’re shopping for a car or home insurance, include Plymouth Rock in your search. Plymouth Rock delivers more than you’d expect at a price that’s less than you’d expect. Plus, we make it easy to request a quote online, over the phone, or with one of our expert agents.
The Rogue Take
Plymouth Rock is a relatively new player in the New York car insurance scene, but they are sure to be a major force in short order. Plymouth Rock is unique in its ability to provide a car insurance quote with just your address, making its product fast and easy to use.
The Rub
It’s easy to get bombarded by GEICO car insurance commercials and be convinced you’re doing the right thing.
Unfortunately, GEICO has to pay for all those TV commercials, which means often you’re NOT getting the best rates available. The list above are the top alternatives to GEICO car insurance in New York.
Click here to get a car insurance quote today.
We’d love to help you find the best possible rates for the coverage you need. It’s what we do.
You can also call us at (518) 960-6600.
We look forward to working with you!
Ryan Hanley
