- The average cost of car insurance in New York is $2,596 a year or $216 per month, based on our data analysis.
- Minimum liability coverage in New York costs around $2,546 annually for limits of 25/50/10, while liability-only coverage costs $2,902 per year for limits of 50/100/50.
- Progressive provides the most affordable annual rates for full coverage car insurance in New York, costing $1,258 per year.
- In New York, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 30%, a DUI raising rates by 79%, and an at-fault accident by up to 46%.
Car insurance costs in New York vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Progressive offers the cheapest annual rates for full coverage car insurance in New York at $1,258 annually.
This comprehensive guide to buying car insurance for New York drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in New York works and how much insurance you need.
How much is car insurance in New York?
According to CarInsurance.com data, drivers in New York pay about $216 per month for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
See how rates change in New York based on driver profile:
- Teen drivers in New York pay the most — about $625 a month or $7,500 a year.
- Young drivers in their 20s pay an average of $329 monthly or $3,951 annually, for car insurance.
- Senior drivers pay around $225 monthly or $2,695 a year.
- A speeding ticket can increase your rates to $282 monthly or $3,386 annually.
- An at-fault accident increases car insurance rates to $317 a month or $3,798 a year.
- Poor credit drivers usually see their car insurance costs increase to $5,464 monthly or $4,258 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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $212 | $2,546 |
| Liability Only – 50/100/50 BI/PD | $242 | $2,902 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $216 | $2,596 |
State minimum car insurance in New York
In New York, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $10,000 of property damage liability.
The state minimum coverage in New York costs $2,546 a year but doesn’t provide much protection for drivers. New York drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in New York must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in New York
According to CarInsurance.com data, liability-only car insurance costs $2,902 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 $2,596 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 rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in New York have to bear greater financial burdens than those in areas with lower risks.
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 ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
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 instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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 you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
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 $2,540 annually.
New York drivers aged 16-19 pay $4,960 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 $7,500 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,770 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,540 per year in New York.
- For senior drivers: Drivers age 65 and older can expect to pay $2,695 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in New York can increase your premiums by up to 79% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in New York, you’ll likely see an increase in your car insurance premium by up to 30% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in New York after driving incidents:
- Speeding ticket: Up to 30% increase
- DUI conviction: 79% increase
- At-fault accident (bodily injury and property damage): 46% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in New York for high-risk drivers
High-risk drivers in New York pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and 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 are the details of New York car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Progressive | $1,084 | $1,201 | $1,258 |
| NYCM Insurance | $1,086 | $1,239 | $2,049 |
| GEICO | $1,382 | $1,671 | $2,341 |
| Preferred Mutual | $2,712 | $3,360 | $2,403 |
| Allstate | $3,013 | $3,675 | $2,909 |
| State Farm | $4,177 | $4,641 | $2,978 |
| The Hanover | $2,567 | $2,869 | $3,514 |
| Travelers | $4,560 | $4,831 | $3,599 |
Car insurance rates by city in New York
Mount Vernon is New York’s most expensive city for car insurance at an average cost of $3,963 annually. Rochester is the state’s least expensive city, with an average car insurance rate of $2,318 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.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of New York’s major 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?
Car insurance in New York costs an average of $216 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $212 |
| Liability Only – 50/100/50 BI/PD | $242 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $216 |
Final thoughts on choosing car insurance in New York
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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