Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Progressive offers the most affordable car insurance at $1,020 per year.
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.
- Progressive provides the most affordable annual rates for full coverage car insurance in New York, costing $1,020 per year.
- In New York, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in New York costs $731 annually for limits of 25/50/10, while liability-only coverage costs $827 per year for limits of 50/100/50.
- 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?
In New York, drivers pay an average of $156 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
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 | 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’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $10,000 in property damage liability.
In New York, you can get state minimum car insurance for $731 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added 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
The average cost of liability-only insurance in New York is $827 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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.
As a result, residents in higher-risk neighborhoods in New York pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
New York car insurance rates by ZIP Code
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 instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. New York drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,839 annually.
Car insurance for drivers aged 16-19 costs $3,521 more annually than New York 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.
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.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,557 |
| Progressive | $1,612 |
| State Farm | $2,329 |
| Geico | $2,672 |
| Allstate | $2,741 |
| Erie Insurance | $2,807 |
| Travelers | $3,304 |
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
Drivers in New York can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Begin your search for the top car insurance policy in New York by getting quotes from multiple insurance providers and comparing them.
Below are the details of New York car insurance companies and their 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.
| Company Name | Insurance Rates |
|---|---|
| Progressive | $1,230 |
| NYCM Insurance | $1,525 |
| USAA | $1,613 |
| Geico | $1,776 |
| Erie Insurance | $2,106 |
| State Farm | $2,223 |
| Allstate | $2,342 |
| Travelers | $3,650 |
| The Hanover | $3,759 |
How much does car insurance cost in New York per month?
The average cost of a full-coverage car insurance policy in New York costs $156 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
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
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.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in New York.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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