The cost of car insurance in New York varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Progressive offers the cheapest rates at $1,020 a year for full coverage.
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 get a clear idea of how car insurance in New York works and how much coverage you need.
- 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%.
How much is car insurance in New York?
According to CarInsurance.com data, drivers in New York pay about $156 per month for full coverage car insurance.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other 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
In New York, the cost of car insurance can vary depending on how much coverage you purchase. New York drivers need at least the minimum insurance coverage limits of 25/50/10 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in New York. However, they don’t offer much protection.
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 laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $10,000 for 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.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in New York
The average annual premium in New York is $1,870 for a full coverage policy with 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in New York
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, residents in higher-risk neighborhoods in New York pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
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 ( Liability - Minimum)
Estimate car insurance in New York by car model
New York car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
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
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In New York, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,839 annually.
New York drivers aged 16-19 pay $3,521 more for insurance premiums than drivers aged 30-60.
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 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,839 per year in New York.
- For senior drivers: Drivers age 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
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In New York, a DUI conviction often results in higher premiums and you may see an increase of up to 49% as insurers perceive 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.
Here is how much your car insurance rate increases in New York after driving incidents:
- Speeding ticket: Up to 21% increase
- DUI conviction: 49% increase
- At-fault accident (bodily injury and property damage): 28% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in New York for high-risk drivers
In New York, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium 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 car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in New York by getting quotes from different insurance companies.
Below is a breakdown of car insurance companies in New York and 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 New York’s most expensive city for car insurance at an average cost of $3,030 annually. Big Flats is the state’s least expensive city, with an average car insurance rate of $1,449 annually.
Car insurance costs differ from city to city in New York, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for New York’s largest cities.
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.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
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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