The type of vehicle you own in New York can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in New York for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in New York
The Chrysler Voyager and Subaru Crosstrek are the cheapest vehicles to insure in New York, closely followed by the Honda HR-V and Honda CR-V, according to our data analysis.
Below is a list of the cheapest vehicles to insure in New York and 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
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $762. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Honda Civic Sedan ranks second on our list with an insurance cost of $778, followed by Nissan Versa, which costs $793 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in New York and their average full coverage six-month rates.
| 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 have the lowest car insurance rates, at $703 and $704, respectively, for a six-month policy. The full coverage car insurance rates of other SUVs are in the table below.
| 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
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $864.
The table below highlights the average six-month full coverage cost of various sports cars.
| 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 vehicles typically have higher insurance costs than other types due to their premium features and advanced technology. These features make repairs and replacements significantly more expensive compared to compact crossovers like the Honda CR-V, Honda HR-V, or Volkswagen Tiguan.
With an average six-month full coverage premium of $854, the Acura RDX ranks as the most affordable luxury car to insure, followed closely by Cadillac XT4 at $882 and the Mercedes-Benz GLA-Class at $889.
The following table shows average premiums for various luxury vehicles, based on a six-month full coverage policy with limits of 100/300/100 and $500 deductibles for collision and comprehensive coverage.
| 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
EVs generally cost more to insure than gas-powered vehicles because their batteries and other parts are expensive and repairing them often requires specialized labor.
Based on our analysis, insuring an electric vehicle costs an average of $2,775 annually, or $231 monthly.
The table below lists the most affordable EVs to insure in New York and their six-month average full coverage rates.
| 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
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Chrysler Voyager is $1,625, while insuring a Subaru Crosstrek costs $2,429 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $838 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $876 for the Chevrolet Silverado EV for the same coverage.
Which SUVs are the cheapest to insure in New York?
In New York, insuring a Subaru Crosstrek SUV costs about $703 for six months, making it one of the most affordable options. The Honda HR-V and Honda CR-V also have cheap car insurance rates.
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 some of the cheapest cars to insure for an 18-year-old driver in New York. On the other hand, Mercedes-AMG G63, Mercedes-AMG EQS and Nissan GT-R are the most expensive vehicles to insure for a young driver.
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.
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