We're not sure if this holds true across all states, but the cheapest insurance rates we were able to find in NY were from Esurance. Please note that anything we suggest on this insights page, we do not receive any financial incentives from any individual or company. It is vital for one to understand that while Allstate owns Esurance, Allstate typically cannot beat Esurance rates because Esurance is all online. Lastly, some factors that impact car insurance rates are your occupation, credit, location, policy option, car make, car model, age, marital status, gender, education level, driving record, and most importantly claim history. We do recommend that each and every individual takes the defensive driving course, as one can receive 10%+ off of their yearly premium for about three years. Does anybody know where to obtain the best insurance rates? We have literally called hundreds of places and nobody could beat Esurance in the state of NY.