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 In New York, a full-coverage car insurance policy will cost you an average of $2,898 annually or $241 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: December 18, 2025 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 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $2,898 a year or $241 per month for New York drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $1,070 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $2,898 Average per month cost $241 Average cost for state minimum coverage $1,191 / Year Cheapest car insurance company Progressive($1,448 / Year) Average cost for young drivers $4,365 / Year Average cost for Senior drivers $2,817 / Year Average car insurance cost in New York If you’re a resident of New York, full coverage car insurance typically costs about $241 per month, adding up to $2,898 a year. Choosing the minimum required coverage can lower your monthly car insurance cost to $89, or $1,070 annually.The amount you pay for car insurance can vary widely based on factors such as your age, driving record, credit history, location, and the make and model of your vehicle.Cheapest car insurance companies in New YorkProgressive has the cheapest rates, at an average annual cost of $1,448 or $121 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also stands out for its affordable premiums, with an average cost of $185 per month or $2,218 annually.While these insurance companies have some of the lowest average rates in New York, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. Affordable car insurance providers in New York Graph Table Company nameAverage per month costAverage annual costProgressive$121$1,448GEICO$185$2,218NYCM Insurance$195$2,343Erie Insurance$201$2,415State Farm$244$2,930Allstate$250$3,005Travelers$334$4,010The Hanover$359$4,311Chubb$374$4,486USAA*$159$1,911*USAA is only available to military community members and their families.Powered by: New York car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra New York Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State New York Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$855/year Full Coverage$2,081/yearRecommended Get quotes Get quotes 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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in New YorkYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $89 a month, or about $1,070 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in New York pay around $241 per month, or roughly $2,898 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$1,070Liability only$1,191Full coverage$2,898Non-owner state minimum liability$661Powered by: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 citySee rates in your cityBuffaloNew YorkRochesterSyracuseYonkers Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in New York by cityWhere you live in New York can have a big impact on your car insurance rates.If you’re located in cities like New York, Mount Vernon, or Yonkers, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Rochester and Schenectady tend to pay much lower insurance premiums, between $2,220 and $2,281 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costRochester$2,220Schenectady$2,281Albany$2,301Syracuse$2,372Utica$2,404Buffalo$2,915New Rochelle$3,677Yonkers$4,070Mount Vernon$4,514New York$5,307Powered by:Average car insurance cost in New York by ageAge plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in New York for full coverage, depending on your age and gender.Average car insurance cost in New York for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In New York, 20-year-old male drivers pay an average of $5,768 per year for car insurance, while their female counterparts pay $4,830 for the same coverage.However, by age 25, average car insurance costs drop to about $3,347 per year for male drivers and $3,240 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,768$4,83021$4,838$4,22022$4,462$4,00723$4,166$3,79524$3,891$3,624Powered by:Average car insurance cost in New York for adult driversAn adult driver aged 25-60 in New York pays $2,876 per year for full coverage, or $240 each month. Female drivers of the same age pay $2,865 annually or $239 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,347$3,24030$3,015$3,03735$2,932$2,97540$2,879$2,91645$2,838$2,86650$2,764$2,74155$2,645$2,60560$2,610$2,568Powered by:Average car insurance cost in New York for senior driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,652 per year, and women pay $2,613.By age 70, those averages increase to $2,839 for men and $2,783 for women. At 75, premiums rise again, reaching $3,061 for male drivers and $2,968 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,652$2,61370$2,839$2,78375$3,061$2,968Powered by:Minimum car insurance requirements in New YorkWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in New York can help you avoid fines and make smarter choices about your coverage.Drivers in New York must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $10,000Cheapest cars to insure in New YorkYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Chrysler Voyager tops the list for cheapest car to insure in New York at an average cost of $1,151 a year, followed closely by Subaru Crosstrek at $1,405 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumChrysler Voyager$1,151Subaru Crosstrek$1,405Honda HR-V$1,409Honda CR-V$1,430Volkswagen Tiguan$1,447Subaru Forester$1,469Hyundai Tucson$1,473Subaru Outback$1,487Mazda CX-5$1,494Hyundai Kona$1,498Powered by:Most expensive cars to insure in New YorkMercedes-AMG EQS tops the list as the most expensive car to insure in New York, at an average annual cost of $6,360. Below is a list of the most expensive vehicles to insure in New York and their average annual premiums.Make ModelAverage annual premiumMercedes-AMG EQS$6,360Mercedes-AMG G63$6,296Nissan GT-R$5,645Maserati Quattroporte$5,111Maserati Ghibli$4,527Audi S8$4,448Tesla Model S$4,400Porsche 911 GT3$4,323BMW M8 Gran Coupe$4,244Porsche Taycan$4,217Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. 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 different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in New YorkCheapest 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 ageMinimum 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 (844) 645-3330