New York Car insurance calculator

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Car insurance pricing in New York depends on more than your ZIP code. Your vehicle, coverage level and driving history all play a role – and the difference between the cheapest and most expensive policies can be significant. Enter a few details below to get a quick estimate of your potential costs.

How to use our car insurance calculator to estimate your rates in New York

It only takes about a minute to get an estimate:

Select your car’s model year
Choose the make and model
Confirm New York as your state
Click ‘Get My Rates’ to view your estimate
Add more vehicles or click ‘Get quotes’ to compare real-time pricing

Tell us about your car to get an estimate.

Vehicle year

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Acura Integra

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/year

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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 2026

What affects your car insurance rate in New York?

Your car’s make, model, year and trim
Your location within New York
Your coverage level
Your driving history, credit score and vehicle storage

Does your vehicle model affect car insurance rates in New York?

A vehicle’s make and model can significantly impact car insurance rates. ‘Make’ refers to the brand and ‘model’ refers to the specific model you drive. For example, Honda (make) Accord (model).

Insurers price based on how much a vehicle costs to repair or replace, how often that model is involved in claims, and how frequently it’s stolen. Two vehicles at the same price point can carry meaningfully different premiums.

For example, full coverage for a Honda Accord LX costs $3,167 per year in New York, while the average premium for a Honda CR-V is $2,574 – a difference of $593.

Popular cars aren’t always cheaper to insure

High theft rates or expensive repair costs can push premiums up on common models. Check insurance costs before you buy, not after.

Does your car’s model year affect insurance rates in New York?

Newer cars generally cost more to insure because they are more expensive to repair or replace.

In New York, insuring a 2024 Honda Accord LX costs $3,110, while the 2025 version costs $3,088.

However, older vehicles aren’t always cheaper – lack of safety features or costly parts can keep premiums high.

Check your state’s minimum coverage requirements

Each state sets minimum insurance requirements, including New York. To drive legally, you’ll need liability coverage that typically includes:

Bodily injury liability per person and per accident
Property damage liability

According to III (Insurance Information Institute), state-required minimums are usually not able to cover the costs of a serious crash, so it’s important to consider higher levels of coverage for financial protection. Not carrying the required coverage can lead to fines, license suspension and even vehicle impoundment.

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

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How does your car’s trim affect insurance rates in New York?

Insurance rates often vary based on your car’s trim. Trim is a version of a vehicle model with different features, equipment, or engine options, such as LX, EX, or Sport.

For example, in New York, full coverage for a 2024 Honda Accord LX costs $3,110 annually, while the Accord EX-L trim costs $3,186 – a difference of $76.

Premium features like advanced infotainment or high-end audio systems can increase rates by raising the vehicle’s value. Performance trims may also cost more due to higher accident risk.

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That upgrade can cost more than you expect

Moving to a higher trim can increase your insurance premium due to higher repair and replacement costs – not just the purchase price. Before choosing a trim, it’s worth getting a quote on each option to see how the price difference carries over to your insurance.

How much does car insurance cost in New York?

The average cost of full coverage car insurance in New York is $2,596 per year, or $216 per month. While this is a helpful benchmark, your actual premium may differ depending on your car, coverage and personal profile.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,596	$216
Liability Only – 50/100/50 BI/PD	$1,451	$121
State Minimum BI/PD	$1,279	$107
Non-Owners	$606	$50

People also ask:

What is full coverage car insurance?

Full coverage car insurance includes liability, comprehensive, and collision coverage. It can also include protections like uninsured motorist coverage, medical payments, and other add-ons based on your needs and state requirements.

How do car insurance rates vary by city in New York?

Your ZIP code within New York can have a major impact on your premium. Insurers evaluate traffic patterns, accident frequency, weather risks and theft rates – which is why similar drivers may pay very different rates depending on where they live.

Full coverage costs $4,253 per year in Bayside, compared to $1,836 in Pine City.

Top 20 cities with cheapest car insurance rates in New York

These locations tend to have the lowest premiums due to lower risk factors like traffic and claims.

City	Avg. Annual Premium	Avg. Monthly Premium
Pine City	$1,836	$153
Horseheads	$1,847	$154
Elmira Heights	$1,848	$154
Big Flats	$1,851	$154
Gansevoort	$1,889	$157
Penfield	$1,897	$158
Breesport	$1,911	$159
Clifton Park	$1,911	$159
Fort Edward	$1,913	$159
Rexford	$1,914	$159
Fairport	$1,923	$160
Cadyville	$1,927	$161
Morrisonville	$1,927	$161
Peru	$1,927	$161
West Chazy	$1,927	$161
Mechanicville	$1,928	$161
Saratoga Springs	$1,929	$161
Schuyler Falls	$1,932	$161
Greenfield Center	$1,933	$161
Lake George	$1,933	$161

Top 20 cities with most expensive car insurance rates in New York

These areas typically have higher premiums due to increased traffic, accidents and claims.

City	Avg. Annual Premium	Avg. Monthly Premium
Bayside	$4,253	$354
South Ozone Park	$4,243	$354
St. Albans	$4,180	$348
Ozone Park	$4,178	$348
Richmond Hill	$4,160	$347
Howard Beach	$4,158	$346
South Richmond Hill	$4,158	$346
Arverne	$4,150	$346
Little Neck	$4,129	$344
Far Rockaway	$4,122	$343
Glen Oaks	$4,102	$342
Oakland Gardens	$4,098	$342
Cambria Heights	$4,095	$341
Rosedale	$4,095	$341
Springfield Gardens	$4,095	$341
Breezy Point	$4,094	$341
Rockaway Park	$4,094	$341
Jamaica	$4,092	$341
Hollis	$4,090	$341
Queens Village	$4,088	$341

If you’re moving within New York, check insurance rates before you go

Moving to a more populated area can raise your insurance costs by hundreds per year – even if nothing else changes.

Frequently asked questions

What is the average cost of car insurance in New York?

The average cost of full coverage car insurance in New York is $2,596 per year, or $216 per month. Your actual rate will depend on your vehicle, coverage level, driving history and location within the state.

How can I lower my car insurance premium in New York?

The most effective ways to lower your premium are comparing quotes from multiple carriers, increasing your deductible, bundling your auto policy with home or renters insurance, maintaining a clean driving record, and choosing a vehicle that costs less to insure. Discounts for safe driving, good grades or low annual mileage can also add up.

Does my credit score affect car insurance rates in New York?

In most states, insurers use a credit-based insurance score as one factor in setting your premium – a higher score typically means lower rates. However, California, Hawaii, Massachusetts and Michigan prohibit insurers from using credit when determining rates. Check whether New York has any restrictions on this practice.

Sources:

Insurance Information Institute. Auto insurance basics: Understanding your coverage. Accessed May 2026.

Estimate your New York car insurance cost with our calculator

Our New York car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

On this page

How to use our car insurance calculator to estimate your rates in New York
Does your vehicle model affect car insurance rates in New York?
Does your car's model year affect insurance rates in New York?
How does your car's trim affect insurance rates in New York?
How much does car insurance cost in New York?
How do car insurance rates vary by city in New York?
Frequently asked questions
Estimate your New York car insurance cost with our calculator

New York car insurance calculator