Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in New York Average car insurance cost in New York The average premium for car insurance in New York is $1,870 per year or $156 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: December 31, 2024 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you want to secure auto insurance coverage in New York, know the associated costs. On average, premiums for car insurance in New York cost $1,870 per year or $156 monthly. While the national average is $1,895, highlighting a difference of $25.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in New York, and breaks down car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget. Average annual cost $1,870 Average per month cost $156 Average cost for state minimum coverage $731 / Year Cheapest car insurance company Progressive($1,020 / Year) Average cost for young drivers $2,850 / Year Average cost for Senior drivers $1,911 / Year Key TakeawaysBased on Insure.com’s analysis, car insurance in New York costs $1,870 per year.Car insurance in New York costs $156 per month.Progressive has the cheapest car insurance rates in New York, at an average annual rate of $1,020 a year.Average car insurance cost in New York per monthIn New York, the monthly rate for car insurance is $156.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in New York, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in New YorkAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in New York is Progressive, with an average annual cost of $1,020 and a monthly average of $85. Following closely is NYCM Insurance, providing coverage at an average monthly rate of $108.The following table lists additional car insurance companies operating in New York and their respective average monthly and annual costs. Affordable car insurance providers in New York Graph Table Company nameAverage per month costAverage annual costProgressive$85$1,020NYCM Insurance$108$1,300Geico$145$1,736Erie Insurance$151$1,814State Farm$163$1,951Allstate$171$2,056The Hanover$188$2,262Travelers$223$2,677Chubb$245$2,942USAA$130$1,557 Read our guide to cheap car insurance companies New York car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2023 Cylinders 4 Make & Model Acura - Integra State New York Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,019/Year OR $168/month New York Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in New YorkCar insurance rates in New York are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $827 per year in New York.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in New York amounts to $1,870 per year.If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In New York, the average annual cost for non-owner state minimum liability coverage is $421.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $731 in New York.1State minimum:$7312Liability only:$8273Full coverage:$1,8704Non-owners:$421Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in New York by cityBuffaloNew YorkRochesterSyracuseYonkersAverage car insurance cost in New York by citySeveral factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.The table below depicts the top popular cities in New York:CityAverage annual costAlbany$1,751Buffalo$2,125Mount Vernon$2,623New Rochelle$1,939New York$2,600Rochester$1,683Schenectady$1,736Syracuse$1,804Utica$1,833Yonkers$2,469Average car insurance cost in New York by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in New York is $2,850, whereas for seniors, it’s $1,911. The rate for young drivers surpasses that of senior drivers by $939.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in New York for young driversFor female young drivers in New York, the average annual car insurance cost is $2,741, and $228 per month. Conversely, male young drivers face an average annual rate of $2,961, and $247 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $3,674 $3,284 21 $3,081 $2,821 22 $2,857 $2,671 23 $2,685 $2,516 24 $2,519 $2,402 Average car insurance cost in New York for senior driversFor senior female drivers in New York, the annual cost of car insurance is $1,900, or $158 per month. Similarly, male senior drivers face an annual insurance rate of $1,922, or $160 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,776 $1,752 70 $1,899 $1,880 75 $2,091 $2,069 Read more about senior car insuranceMinimum car insurance requirements in New YorkEvery state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the New York Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in New York:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $10,000Cheapest cars to insure in New YorkThe Honda HR-V has the lowest average annual insurance premium, at $1,227, with the Mazda CX-30 closely following at $1,246. Annually, the insurance cost difference between these two models amounts to $19.MakeModelAverage annual premiumHondaHR-V$1,227MazdaCX-30$1,246SubaruImpreza$1,270HyundaiVenue$1,273ChevroletTrailBlazer$1,304KiaSeltos$1,307HyundaiTucson$1,311HyundaiKona N$1,322KiaSoul$1,329BuickEncore GX$1,331Most expensive cars to insure in New YorkThe Porsche 911 Carrera GT3 RS, at an average annual premium of $6,891, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $5,664 annually.MakeModelAverage annual premiumPorsche911 Carrera GT3 RS$6,891BMWAlpina B8$5,390AudiRS E-tron GT$5,337MercedesEQS$5,211BMWI7$5,105Land RoverRange Rover P530 Autobiography$5,075NissanZ Performance$5,052PorschePanamera Turbo S E-Hybrid$4,958Porsche911 Sport Classic$4,846GenesisG90$4,819MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in New-York Non-owner auto insurance in New York Average renters insurance cost in New York Average homeowners insurance cost in New York Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Used car insurance costs: Most and least expensive models to insure The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in New York per monthCheapest car insurance companies in New YorkAverage cost of car insurance by coverage levels in New YorkAverage car insurance cost in New York by cityAverage car insurance cost in New York by age of the driverMinimum car insurance requirements in New YorkCheapest cars to insure in New YorkMost expensive cars to insure in New YorkMethodology ZIP Code Please enter valid ZIP See rates