Car insurance calculator for teens in New York

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Car insurance for teens in New York is more expensive than it is for older drivers, but costs depend on several factors, including age, gender, coverage limits, and the insurer you choose. Knowing the averages in your state can help you budget, compare quotes, and find the best option for your family.

Use our calculator to estimate what car insurance might cost for your teen in New York. Having a ballpark figure makes it easier to budget, compare quotes, and choose the coverage that works best for your family.

Car insurance calculator for state teens

State

New York

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Gender

Male

Male Female Non-binary

Age

16

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Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for state teen drivers

$7,047 Average rate

$9,565 Highest
rate

$3,786 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Chubb	$9,565
Travelers	$9,555
Allstate	$8,303

Least expensive companies for auto insurance in ()

Company	Average annual rate
Progressive	$3,786
NYCM Insurance	$4,001
The Hanover	$5,916

Average car insurance costs for teens in New York

Car insurance costs an average of $5,360 per year for teen drivers in New York with coverage limits of 100/300/100-that’s $100,000 for one person’s injuries, $300,000 for all injuries in an accident, and $100,000 for property damage-plus $500 deductibles for collision and comprehensive coverage.

Teen drivers face higher car insurance rates than young adults or older drivers because they lack experience on the road. Insurers see them as higher risk, which leads to steeper premiums.

Insurance rates in New York also vary based on the coverage limits you choose, the type of car you drive, and the ZIP code you live in. New York families can lower costs by taking advantage of good student discounts, enrolling teens in a driving program and adding teens to an existing family policy rather than buying a separate one.

Teen car insurance rates in New York, by age

Rates change quickly as teens get older. For example, a full coverage policy for a 16-year-old in New York averages $6,552 per year. At 19, the average falls again to $3,843.

Premiums are still higher than those for adult drivers, but the steady decline shows how experience behind the wheel helps bring costs down over time.

See the table below for average teen car insurance rates in New York by age.

Teen car insurance rates in New York, by gender

In most states, insurers set rates differently for male and female drivers, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit this. In New York, a 16-year-old male pays around $6,987 per year, compared to $6,123 for a female – a difference of $864.

Crash data helps explain the gap. According to the Insurance Institute for Highway Safety, 3,048 teens ages 13-19 lost their lives in motor vehicle crashes in 2023, and two out of three were male. Because young men are more likely to be in serious accidents, insurers factor that risk into their rates.

The table below shows average teen car insurance rates in New York by gender.

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Cheapest car insurance companies for teen drivers in New York

Car insurance for teens is expensive everywhere, but some companies consistently offer lower rates. That’s why comparing quotes is the best way to find the most affordable coverage for your family.

In New York, Progressive offers the lowest rates for drivers ages 16-19, averaging $3,173 per year for full coverage with 100/300/100 limits and $500 deductibles.

The next lowest average premium comes from NYCM Insurance, at $3,236.

See the table below for the cheapest companies offering teen car insurance in New York.

Minimum car insurance requirements for teens in New York

Like adults, teen drivers in New York must carry at least the state’s minimum liability coverage:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $10,000 for property damage

These minimums provide only basic protection, and medical care or repairs costs can quickly exceed them. That’s why many families choose higher coverage – especially when adding a teen driver.

Lenders will also require comprehensive and collision coverage if your car is financed or leased. These cover damage to your own vehicle after an accident, theft, or severe weather.

Smart ways to save on car insurance for your teen

There’s no avoiding the fact that insuring a teen driver costs more, but you can take steps to manage the expense while keeping them safe on the road:

• Check state averages. Knowing what families typically pay in your state gives you a ballpark figure to budget and compare against quotes.
• Choose the right car. A safe, reliable sedan is far cheaper to insure than a luxury or sports car.
• Consider full coverage. Liability is cheaper, but full coverage offers better protection against accidents, injuries, and costly repairs.
• Ask about discounts. Many insurers reward good grades, defensive driving courses, or low mileage with lower rates.
• Talk with your teen. Driving isn’t just freedom – it’s responsibility. Open conversations about risks and safety can encourage habits that save lives.
• Review your rates each year. Premiums usually drop as your teen gains experience and keeps a clean record, so it’s worth checking annually.

Helping your teen start off safely on the road

Adding your teen to your car insurance policy will raise your rates at first-but it won’t last forever. As they gain experience and prove themselves as safe drivers, premiums usually go down year by year.

You can ease the cost by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules. It’s about giving them a safe, confident start on the road while protecting your family financially.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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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