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: September 30, 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 live in New York can expect to pay an average of $241 per month for full coverage car insurance – that’s $2,898 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $89 monthly or $1,070 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in New YorkIf you’re looking for affordable insurance, Progressive tops the list of the cheapest car insurance companies. Its average annual cost is $1,448 per year or $121 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also provides affordable insurance rates in New York for a full coverage policy at an average annual insurance cost of $2,218 or $185 monthly.While these companies offer some of the lowest average premiums in New York, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. 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 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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in New York for a full coverage policy based on your age and gender.Average car insurance cost in New York for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in New York pay an average of $5,768 per year for car insurance, while females of the same age pay $4,830.But by the time you turn 25, insurance premiums drop to $3,347 a year on average 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 driversOn average, an adult male driver in New York pays $2,876 a year for full coverage or $240 per month. Women pay $2,865 a year or $239 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,652 per year, while women pay $2,613. But by age 70, average premiums rise to $2,839 for men and $2,783 annually for women. At 75, rates increase even further – $3,061 for male drivers and $2,968 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record 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 your first insurance policy or just moved to New York, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in New York must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $10,000Cheapest cars to insure in New YorkInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Chrysler Voyager has the lowest premium, at an average of $1,151 a year, closely followed by Subaru Crosstrek, with an average annual car insurance cost of $1,405.The table below shows the cheapest cars to insure and their average annual rates.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 stands out as the most expensive car to insure in New York, with an average annual cost of $6,360.The table below shows the most expensive vehicles to insure in New York along with their average annual insurance costs.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 rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance 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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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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