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If you’re driving in New York, it’s important to know how crucial it is to have car insurance that meets the state’s minimum requirements. But finding the right coverage that also fits your budget can be a bit tricky. That’s where our New York car insurance calculator comes in handy.

Use our car insurance calculator to figure out how much you might pay each year and month for auto insurance in New York. Just enter your car’s make and model, and it’ll help you make smart choices about your coverage.

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 2023 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.

How much is vehicle model important in calculating car insurance in New York

In New York, the type and model of your car can really affect how much you pay for car insurance. Insurers look at things like your car’s make and model to decide on the cost of premiums.

For example, the yearly car insurance cost for a full coverage policy on a 2022 Acura ILX 2.4L is $1,242, while the average insurance premiums for a Toyota 4Runner Limited in New York are $1,173 annually. That’s a difference of $69 less compared to the Acura ILX 2.4L.

How insurers calculate car insurance in New York using car model year

In New York and many other areas, the year your car was made can affect your car insurance costs. For instance, if you have a 2021 Chevrolet Blazer 2LT, you might pay about $817 per year for insurance. On the other hand, the insurance rate for a 2022 Chevrolet Blazer 2LT is $1,251 annually.

Does the cost of car insurance in New York decrease as a vehicle gets older?

Usually, in New York, car insurance becomes cheaper for older car models. As a car gets older, its value goes down because of depreciation. Because car insurance is meant to cover the repair or replacement costs, the insurance company’s responsibility decreases with an older vehicle. This leads to lower car insurance premiums in New York.

People driving a 2020 Honda Accord LX in New York usually pay $117 per month for full coverage car insurance. On the other hand, car insurance for the 2022 Honda Accord LX costs $94 each month in New York, which is $23 less than the 2020 model.

Older vehicles might not be as tempting to thieves as newer ones with fancy security features. The lower risk of theft can also mean lower insurance costs.

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

Car insurance cost estimate in New York

The average premium for car insurance in New York is $2,020 per year or $168 per month, though your specific premium may vary based on the coverage level you choose. Here is an estimate of car insurance costs in New York for different coverage levels.

50/100/50 Liability OnlyFull CoverageNon-Owner State Minimum Liability OnlyState Minimum Liability Only
$960 $2,020 $578 $875

The bottom line: New York car insurance calculator

The New York car insurance calculator determines your rates based on factors such as location and vehicle make and model year. By entering your information, you can get estimated quotes from the calculator. Remember that rates may vary, and it’s wise to get quotes from multiple insurers to find the best deal tailored to your needs.

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
Washington D.C.$1,858/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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