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If you are looking for auto insurance in New York, knowing how much it will cost is a promising idea. The average premium for car insurance in New York is $2,020 per year or $168 per month. While the national average is $1,682. There is a difference of $338 more between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in New York, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Summary of average car insurance cost in New York
Average annual cost
$2,020
Average per month cost
$168
Average cost for state minimum coverage
$875 / Year
Cheapest car insurance company
Progressive
($825/ Year)
Average cost for young drivers
$3,084 / Year
Average cost for Senior drivers
$2,081 / Year

Key Takeaways

  • The average car insurance cost in New York is $2,020 per year, based on Insure.com’s analysis.
  • In New York, the average premium for car insurance is $168 per month.
  • Progressive has the cheapest car insurance rates in New York, at an average annual rate of $825 a year.

Average car insurance cost in New York per month

In New York, the average premium for car insurance is $168 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in New York, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in New York is Progressive. The average annual cost is $825 while the average cost per month is $69. The second-best option available is, American Family, offering insurance at an average per month cost of $93.

The table below lists the other available car insurance companies which offer car insurance in New York, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
Progressive$69$825
American Family$93$1,112
Geico$114$1,371
USAA$130$1,563
Erie Insurance$133$1,600
Allstate$146$1,749
State Farm$161$1,937
Travelers$215$2,580
Kemper Insurance$243$2,917
Mercury Insurance$379$4,551

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in New York

The amount of coverage you purchase has an impact on how much car insurance costs in New York. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in New York is $960.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in New York is $2,020 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In New York, the average annual cost for non-owner state minimum liability only is $578.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $875 per year in New York.

Coverage limitsAverage annual cost
50/100/50 Liability Only$960
100/300/100 Liability with $500 Comp/Coll Deductible$2,020
Non-Owner State Minimum Liability Only$578
State Minimum Liability Only$875

Average car insurance cost in New York by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in New York:

CityAverage annual cost
New York$3,924
Buffalo$2,093
Rochester$1,526
Yonkers$2,847
Syracuse$1,622
Albany$1,532
New Rochelle$2,374
Mount Vernon$3,017
Schenectady$1,524
Utica$1,579

Auto 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 city

Average car insurance cost in New York by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in New York is $3,084 while for seniors is $2,081. Here, the rate for young drivers is $1,003 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in New York for young drivers

The average car insurance cost for female young drivers in New York is $2,836 per year or $236 per month and rate for a male young driver is $3,331 per year or $278 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$6,156$5,038
19$4,513$3,650
20$4,240$3,431
21$3,452$2,904
22$3,273$2,812
23$2,916$2,558
24$2,777$2,475
25$2,413$2,277

Average car insurance cost in New York for senior drivers

In New York, the cost of car insurance for senior female driver is $2,057 per year or $171 per month and cost of car insurance for male senior driver is $2,104 per year or $175 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$2,016$1,980
70$2,209$2,135
75$2,488$2,349

Read more about senior car insurance

Minimum car insurance requirements in New York

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the New York Department of Insurance, the following are the required coverages and minimum coverage limits in New York:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Personal property coverage per person: $10,000

Cheapest cars to insure in New York

The Subaru Crosstrek 2.0I has the lowest average annual insurance premium at $960, followed closely by the Subaru Forester 2.5I at $961. The difference in the cost of insuring these two models is $1 annually.

MakeModelAverage annual premium
SubaruCrosstrek 2.0I$960
SubaruForester 2.5I$961
ChryslerVoyager LX$1,011
HyundaiVenue SE$1,015
SubaruCrosstrek 2.5I Limited$1,038
MazdaCX-30 S$1,038
ChevroletSpark 1LT$1,042
MazdaCX-5 S$1,057
VolkswagenTiguan S$1,058
SubaruOutback 2.5I$1,060

Most expensive cars to insure in New York

The most expensive car to insure on the list is the Acura NSX Type S, which has an average annual premium of $5,610. However, the difference between the cheapest and most expensive cars to insure is $4,650 annually.

MakeModelAverage annual premium
AcuraNSX Type S$5,610
PorscheTaycan Turbo S$5,283
PorscheTaycan GTS Sport Turismo$5,169
PorscheTaycan 4 Cross Turismo$5,169
PorscheTaycan Turbo$5,133
PorscheTaycan 4S$5,133
PorscheTaycan$5,133
AudiR8 5.2L V10 Quattro Performance$4,446
Porsche718 Boxster Spyder$4,110
MaseratiQuattroporte$4,041

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

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:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other states

Alaska$1,359/Year
Alabama$1,542/Year
Arkansas$1,597/Year
Arizona$1,617/Year
California$2,115/Year
Colorado$1,940/Year
Connecticut$1,750/Year
Delaware$2,137/Year
Florida$2,560/Year
Georgia$1,647/Year
Hawaii$1,306/Year
Iowa$1,321/Year
Idaho$1,121/Year
Illinois$1,578/Year
Indiana$1,256/Year
Kansas$1,594/Year
Kentucky$2,105/Year
Louisiana$2,546/Year
Massachusetts$1,538/Year
Maryland$1,640/Year
Maine$1,116/Year
Michigan$2,133/Year
Minnesota$1,493/Year
Missouri$2,104/Year
Mississippi$1,606/Year
Montana$1,692/Year
North Carolina$1,368/Year
North Dakota$1,419/Year
Nebraska$2,018/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
Nevada$2,023/Year
Ohio$1,023/Year
Oklahoma$1,797/Year
Oregon$1,244/Year
Pennsylvania$1,445/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
Tennessee$1,373/Year
Texas$1,875/Year
Utah$1,469/Year
Virginia$1,321/Year
Vermont$1,158/Year
Washington$1,371/Year
Wisconsin$1,499/Year
West Virginia$1,610/Year
Wyoming$1,736/Year
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