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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 2026 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 If you live in New York, you can expect to pay an average of around $241 per month for full coverage car insurance, or $2,898 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $89 monthly or $1,070 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. 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 012345 1 of 6 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 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: *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 Minimum$1,314/year Liability coverage$1,677/year Full Coverage$3,383/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered 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 is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in New York, based on age and gender.Average car insurance cost in New York for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in New York pays an average of $5,768 annually for car insurance, compared to $4,830 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $3,347 per year for male drivers and $3,240 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 annually for full coverage, or around $240 each month. Women in the same age group pay $2,865 per year or $239 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,652 annually, while women pay $2,613.By 70, average rates go up to $2,839 for men and $2,783 for women. At age 75, costs increase further, reaching $3,061 for men and $2,968 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping 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 purchasing a policy for the first time or relocating to New York, it’s important to understand the state’s liability coverage requirements.Drivers in New York must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $10,000Cheapest cars to insure in New YorkThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Chrysler Voyager is one of the cheapest cars to insure in New York, with an average premium of $1,151 per year. Subaru Crosstrek has an average annual cost of $1,405.The table below shows the cars with the lowest average insurance 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 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 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers 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:Teen drivers aged 16-19Young 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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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 1-833-708-5453