5 Best Cheap Car Insurance in New York For 2024

3. Farm Bureau

Monthly cost: $131

Farm Bureau presents an appealing option for insurance with its combination of affordable car insurance rates, average home insurance rates, and outstanding customer service, particularly for its members. While there is an annual membership fee associated with joining Farm Bureau, the potential savings in insurance costs often outweigh this expense when compared to other insurance companies.

Farm Bureau stands out with highly competitive auto insurance prices, with few major carriers able to match them, although Geico is an exception. Beyond economical auto insurance, Farm Bureau members can enjoy additional perks, including discounts for travel, entertainment, and prescriptions.

It’s important to note that membership is a prerequisite for obtaining Farm Bureau’s auto insurance, and the cost for the cheapest membership tier typically falls within or below $100 annually. The Driveology program offered by Farm Bureau provides an opportunity for safe drivers to save money, as they can install a device that measures driving behavior, potentially earning them a discount of up to 30% off their premiums. Additionally, members can benefit from further savings through Farm Bureau’s SafeRide Rewards program.