- The average cost of car insurance in New York is $1,870 a year or $156 per month, based on our data analysis.
- Minimum liability coverage in New York costs around $731 annually for limits of 25/50/10, while liability-only coverage costs $827 per year for limits of 50/100/50.
- Progressive provides the most affordable annual rates for full coverage car insurance in New York, costing $1,020 per year.
- In New York, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 21%, a DUI raising rates by 49%, and an at-fault accident by up to 28%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Progressive offers the most affordable car insurance at $1,020 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in New York. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in New York and how much you need.
How much is car insurance in New York?
CarInsurance.com data found that drivers in New York pay $156 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in New York based on driver profile:
- Teen drivers in New York pay the most — about $447 a month or $5,360 a year.
- Young drivers in their 20s pay an average of $238 monthly or $2,850 annually, for car insurance.
- Senior drivers pay around $159 monthly or $1,911 a year.
- A speeding ticket can increase your rates to $191 monthly or $2,293 annually.
- An at-fault accident increases car insurance rates to $208 a month or $2,491 a year.
- Poor credit drivers usually see their car insurance costs increase to $410 monthly or $4,922 annually.
Average cost of auto insurance in New York by coverage level
Car insurance costs in New York can differ based on the coverage limit. To legally drive, New York residents must adhere to the minimum liability limits of 25/50/10.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the New York car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $61 | $731 |
| Liability Only – 50/100/50 BI/PD | $69 | $827 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $156 | $1,870 |
State minimum car insurance in New York
New York’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $10,000 in property damage liability.
The state minimum car insurance cost in New York is $731 a year. However, this basic coverage only offers limited protection. New York drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in New York must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in New York
According to CarInsurance.com data, liability-only car insurance costs $827 in New York for limits 50/100/50.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in New York
In New York, you can expect to pay around $1,870 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in New York
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in New York pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in New York
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in New York by car model
Car insurers in New York use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in New York.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in New York
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. New York drivers aged 30 to 60 have the lowest average auto insurance rates at $1,839 annually.
Drivers aged 16-19 pay $3,521 more for car insurance than New York drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,360 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,739 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,839 annually in New York.
- For senior drivers: Drivers aged 65 and older can expect to pay $1,911 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in New York
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In New York, a DUI conviction lead to increased rates and you may see a rate hike of up to 49% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in New York, be prepared for your car insurance rates to rise by up to 21% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 21% increase
- DUI conviction: 49% increase
- At-fault accident (bodily injury and property damage): 28% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in New York for high-risk drivers
In New York, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in New York
In New York, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in New York by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in New York, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Progressive | $428 | $467 | $1,020 |
| NYCM Insurance | $420 | $475 | $1,300 |
| GEICO | $555 | $668 | $1,736 |
| Erie Insurance | $575 | $689 | $1,814 |
| State Farm | $885 | $1,005 | $1,951 |
| Allstate | $861 | $961 | $2,056 |
| The Hanover | $1,016 | $1,170 | $2,262 |
| Travelers | $1,362 | $1,467 | $2,677 |
| Chubb Ltd | $872 | $964 | $2,942 |
| USAA | $594 | $630 | $1,557 |
Car insurance rates by city in New York
Woodhaven is the most expensive city in New York, with an average car insurance rate of $3,030 a year. Big Flats is the cheapest city for New York drivers at an average rate of $1,449 annually.
Car insurance rates vary by city in New York for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in New York.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in New York per month?
In New York, a full coverage car insurance policy with 100/300/100 limits typically costs about $156 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $61 |
| Liability Only – 50/100/50 BI/PD | $69 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $156 |
Final thoughts on choosing car insurance in New York
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in New York.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in New York. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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