Car insurance premiums in New York can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in New York by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in New York
In New York, Chrysler Voyager and Subaru Crosstrek have the cheapest car insurance rates, followed by Honda HR-V and Honda CR-V, based on our research.
The table below highlights the most affordable vehicles to insure in New York, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| Chrysler Voyager | $576 |
| Subaru Crosstrek | $703 |
| Honda HR-V | $704 |
| Honda CR-V | $715 |
| Volkswagen Tiguan | $723 |
| Subaru Forester | $735 |
| Hyundai Tucson | $737 |
| Subaru Outback | $744 |
| Mazda CX-5 | $747 |
| Hyundai Kona | $749 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in New York
Insurance premiums can vary significantly by vehicle type. For instance, Van come with the most affordable insurance rates, whereas Performance Car typically have the highest costs.
We analyzed insurance rates for sedans, SUVs, sports cars, electric vehicles and luxury cars to find the most affordable makes and models in each category, along with their average six-month full coverage premiums.
Cheapest sedans to insure in New York
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $762 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Honda Civic Sedan, which costs $778, and the Nissan Versa, which costs $793 to insure.
Below, you’ll find the most affordable sedans to insure in New York and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $762 |
| Honda Civic Sedan | $778 |
| Nissan Versa | $793 |
| Volkswagen Jetta | $813 |
| Nissan Sentra | $814 |
| Chevrolet Malibu | $841 |
| Mazda 3 Sedan | $843 |
| Honda Accord | $844 |
| Toyota Camry | $848 |
| Toyota Corolla | $859 |
| Mitsubishi Mirage G4 | $874 |
| Hyundai Elantra | $889 |
| Kia Forte | $892 |
| Nissan Altima | $919 |
| Volkswagen Jetta GLI | $939 |
| Hyundai Sonata | $957 |
| Kia K5 | $1,011 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in New York
The Subaru Crosstrek and Honda HR-V are the cheapest SUVs to insure in New York, with an average cost of $703 and $704 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Subaru Crosstrek | $703 |
| Honda HR-V | $704 |
| Honda CR-V | $715 |
| Volkswagen Tiguan | $723 |
| Subaru Forester | $735 |
| Hyundai Tucson | $737 |
| Mazda CX-5 | $747 |
| Hyundai Kona | $749 |
| Chevrolet Equinox | $759 |
| Jeep Compass | $763 |
| Kia Sportage | $766 |
| Volkswagen Taos | $768 |
| Honda Pilot | $770 |
| Toyota RAV4 | $775 |
| Ford Escape | $775 |
| Kia Soul | $776 |
| Mazda CX-30 | $779 |
| Chevrolet TrailBlazer | $780 |
| Honda Passport | $790 |
| Toyota Corolla Cross | $790 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in New York
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Mazda MX-5 Miata stands out as one of the cheapest options on our list, with an average six-month premium of $864.
The table below compares car insurance rates for different sports cars in New York
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $864 |
| Honda Civic Si | $937 |
| Chevrolet Camaro | $989 |
| Subaru WRX | $1,007 |
| Ford Mustang | $1,030 |
| Honda Civic Type R | $1,077 |
| Toyota GR86 | $1,164 |
| BMW Z4 | $1,171 |
| Subaru BRZ | $1,180 |
| Porsche 718 Boxster | $1,234 |
| Toyota GR Corolla | $1,268 |
| Toyota GR Supra | $1,287 |
| Chevrolet Corvette | $1,288 |
| Chevrolet Camaro ZL1 | $1,348 |
| Porsche 718 Cayman | $1,399 |
| Chevrolet Corvette Z06 | $1,644 |
| Nissan Z | $1,659 |
| Porsche 911 | $1,836 |
| Porsche 911 Turbo | $1,962 |
| Jaguar F-Type | $2,003 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in New York
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $854 for a full coverage six-month policy. It is followed by the Cadillac XT4 ($882) and Mercedes-Benz GLA-Class ($889).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $854 |
| Cadillac XT4 | $882 |
| Mercedes-Benz GLA-Class | $889 |
| Cadillac XT5 | $917 |
| Lincoln Corsair | $917 |
| Audi Q3 | $918 |
| Acura MDX | $923 |
| BMW X2 | $936 |
| BMW X1 | $949 |
| BMW X3 | $958 |
| Infiniti QX50 | $963 |
| Jaguar E-Pace | $964 |
| Lexus RX | $970 |
| Mercedes-Benz GLC-Class | $975 |
| Lexus NX | $979 |
| Land Rover Discovery Sport | $984 |
| Volvo XC40 | $991 |
| Audi A3 | $1,004 |
| Acura TLX | $1,007 |
| Mercedes-Benz GLB-Class | $1,008 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in New York
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $2,775 annually, which breaks down to $231 monthly.
The table below highlights the most affordable EVs to insure in New York, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $838 |
| Chevrolet Silverado EV | $876 |
| Kia Niro EV | $883 |
| Volkswagen ID.4 | $894 |
| Nissan Leaf | $937 |
| Hyundai Kona Electric | $966 |
| Ford Mustang Mach-E | $1,009 |
| Volvo XC40 Recharge | $1,083 |
| Hyundai Ioniq 6 | $1,132 |
| Nissan Ariya | $1,154 |
| Tesla Model 3 | $1,162 |
| Toyota Mirai | $1,167 |
| Hyundai Ioniq 5 | $1,196 |
| Kia EV6 | $1,197 |
| Audi Q4 e-tron | $1,255 |
| Volvo C40 Recharge | $1,269 |
| Ford F-150 Lightning | $1,283 |
| Chevrolet Blazer EV | $1,320 |
| Subaru Solterra | $1,328 |
| Polestar 2 | $1,371 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in New York
Young drivers, especially those under 25, typically face higher car insurance premiums due to their inexperience behind the wheel. Opting for a vehicle that’s safe, affordable to repair and less likely to be targeted by thieves can make a big difference in keeping insurance costs down.
An 18-year-old driver can expect to pay $1,625 to insure a Chrysler Voyager, while insuring a Subaru Crosstrek costs $2,429 for a six-month full coverage policy for 18-year-olds.
The table below lists the most affordable cars to insure in each category, making it easier for young drivers and their families to choose and make informed insurance decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Speak with a friendly agent and get your quote in minutes!
Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in New York?
Electric cars are usually more costly to insure than traditional gas-powered vehicles. However, some EVs are affordable when compared to similar models with gas engines.
For instance, a six-month full coverage policy for a Mini Cooper Electric costs $838, whereas the cost of insuring a Chevrolet Silverado EV is $876 for the same coverage.
Which SUVs are the cheapest to insure in New York?
With an average six-month full coverage premium of $703, the Subaru Crosstrek is one of the least expensive SUVs to insure in New York. Honda HR-V and Honda CR-V also offer affordable premiums to New York drivers.
What are the cheapest cars to insure for teen drivers in New York?
The Chrysler Voyager, Subaru Crosstrek, Honda HR-V and Honda CR-V are among the most affordable cars to insure for 18-year-old drivers in New York. On the other hand, vehicles like the Mercedes-AMG G63, Mercedes-AMG EQS and Nissan GT-R come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
