Average Car Insurance Cost in New York (2025)
Drivers in New York pay an average of $400 per month for car insurance.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
New York drivers have some of the highest car insurance costs in the country, according to recent Insurify data. The average monthly cost of liability insurance in New York is $344 per month. Population density, number of accidents, and theft rates can all affect the cost of car insurance. Additionally, the state of New York has more minimum coverage requirements than other states.
Car insurance costs in New York have steadily climbed upward over the past couple of years. Learn how much car insurance is in New York and how to get the best rate despite rising costs.
Quick Facts
New York car insurance rates are high, with an average cost of $455 per month for full coverage.
Your ZIP code, type of car, and credit history can affect your car insurance rates.
The city of Rochester has the lowest car insurance rates in New York, with an average cost of $152 per month for liability coverage.
How much is car insurance in New York?
The average cost of car insurance in New York state is $344 per month for liability coverage and $455 per month for full coverage. On an annual basis, that means liability coverage clocks in at $4,133, while full-coverage car insurance is $5,464.
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How New York car insurance rates have changed over the past two years
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To find car insurance rates in New York and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in New York rose to $3,800 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in New York.
See how New York car insurance prices have changed over the past two years below.
Average New York Car Insurance Rates over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average New York car insurance rates by city
Average car insurance rates in New York are generally high but also differ from city to city. It’s not only the minimum coverage requirements that affect rates but also each city’s unique characteristics and risk factors.
For example, insurers take population density, theft, weather, vandalism, and accident statistics into account when setting rates. Elevated risk factors can lead to higher rates. So whether you’re in Buffalo, Brooklyn, Rochester, Syracuse, or somewhere else, your city’s ZIP code and location influence your car insurance rate.[1]
The table below shows how rates fluctuate in New York.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Rochester | $152 | $282 |
| Binghamton | $226 | $428 |
| Schenectady | $276 | $386 |
| Long Island City | $299 | $629 |
| Syracuse | $319 | $355 |
| Buffalo | $321 | $324 |
| Staten Island | $345 | $422 |
| Yonkers | $429 | $494 |
| Bronx | $455 | $541 |
| Brooklyn | $484 | $597 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in New York (2025)
Average New York car insurance rates by age and gender
Car insurance companies look at multiple factors to set rates, including age and gender. Younger drivers don’t have the same level of experience as older drivers and pay higher rates.
Generally speaking, women get into fewer accidents and incidents than men and, as a result, can pay less for car insurance. But that doesn’t seem to be the case for car insurance in New York state. Here, you can see the average cost of liability insurance and full-coverage insurance by age group and gender. As you can see, a 16-year-old will have much different rates than a 40-year-old.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $684 | $890 |
| 18 | $595 | $774 |
| 20 | $328 | $427 |
| 25 | $322 | $419 |
| 30 | $317 | $412 |
| 40 | $342 | $445 |
| 50 | $334 | $435 |
| 60 | $345 | $450 |
| 70+ | $325 | $423 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $719 | $936 |
| 18 | $625 | $814 |
| 20 | $345 | $449 |
| 25 | $339 | $441 |
| 30 | $333 | $433 |
| 40 | $359 | $468 |
| 50 | $351 | $457 |
| 60 | $363 | $473 |
| 70+ | $342 | $445 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost to insure popular vehicles in New York
Your car’s make and model can also influence how much you pay for car insurance in New York. The type of car you drive may be more prone to theft or have an expensive engine to repair, all of which can affect costs.
Below are the average car insurance costs in New York for the most popular vehicles in the state, according to data from Edmunds. These cars may offer drivers more space, the latest features, and comfort while on the road.
Vehicle | Average Monthly Quote |
|---|---|
| Honda CR-V | $380 |
| Toyota RAV4 | $417 |
| Jeep Grand Cherokee | $459 |
| Nissan Rogue | $440 |
| Chevrolet Silverado | $452 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in New York
Your driving record has a direct and significant effect on your car insurance rates. Car insurance companies are in the business of risk assessment, and your driving record gives them a glimpse into how likely you are to file a claim.
The average cost of car insurance in New York for drivers with an at-fault accident is $458 per month. New York drivers with a speeding ticket pay slightly less, with an average cost of $434 per month. Having a DUI on your record is a major risk factor and can increase rates, with the average cost of car insurance coming in at $483 per month.
Below, you can see average monthly car insurance quotes in New York based on the incident and the percentage increase compared to good drivers.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $458 | 18% |
| With speeding ticket | $434 | 12% |
| With DUI | $483 | 24% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
You may not realize that your credit history can influence your car insurance rates. While not all states allow the use of credit history for car insurance purposes, New York does. The theory is that drivers with lower credit may have a higher likelihood of filing a claim.[2]
Legally, insurance companies in New York must disclose if they use your credit history and let you know if you could qualify for lower rates if you had a better credit history.[3]
The data below shows the average cost of car insurance in New York by credit tier. You can see how New York drivers with excellent credit may pay only $278 per month for liability-only coverage, whereas drivers with poor credit could pay $421 per month for the same policy.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $278 $362 Good $312 $406 Fair $362 $472 Poor $421 $549 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in New York
The cost of car insurance in New York may give you sticker shock. But you can do several things to get cheaper car insurance:
Compare insurance quotes
Every car insurance company has different rates and policy options. Check auto insurance rates from at least three different companies to know which one has the most competitive rates.
Check for discounts
Many car insurance companies offer discounts to eligible drivers. But some offer more than others. Check the discounts from various companies to see which ones you may qualify for. For example, you may be able to lower costs by maintaining a clean driving record or getting good grades if you’re a student.
Improve your credit
New York state allows car insurance companies to use your credit history as one risk factor when setting rates. Improving your credit and being in good standing with your loan payments can help. Various factors affect your credit, including payment history, credit utilization, length of credit history, credit mix, and applying for new credit.
Bundle insurance policies
One way to lower car insurance costs in New York is to bundle insurance policies. Many insurance companies offer savings if you have multiple insurance policies. For example, you might combine an auto and home insurance policy or renters insurance policy with the same company.
Keep a good driving record
Maintaining a clean driving record is one of the most important things you can do to qualify for low car insurance rates in New York. Every incident and car accident on your driving record increases your risk factor and your rates.
New York average car insurance cost FAQs
If you’re shopping for a car insurance policy in New York, the information below may help as you’re researching your coverage options.
The average cost of car insurance in New York is $4,133 per year for liability coverage and $5,464 per year for full coverage. Your average annual costs will depend on your driving history, ZIP code, and type of car insurance coverage.
The cheapest car insurance company in New York is CSAA, with an average monthly cost of $101 for liability coverage. To find the most affordable car insurance, compare several options.
Liability insurance costs an average of $344 per month in New York. Full-coverage car insurance costs more, at $455 per month. Full coverage includes comprehensive coverage, collision coverage, and the state’s minimum liability coverage.
Some of the best auto insurance companies in New York offering affordable coverage include CSAA, Safeco, and Liberty Mutual. To find the right fit for you, compare multiple companies, discounts, and coverage options.
The state-minimum requirements for car insurance are $25,000 per person in bodily injury liability coverage ($50,000 for a death), $50,000 per accident in bodily injury liability coverage ($100,000 for deaths), $10,000 per accident in property damage liability coverage, $50,000 in personal injury protection (PIP), $25,000 per person in uninsured motorist coverage, and $50,000 per accident in uninsured motorist coverage.[4]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- III. "What determines the price of an auto insurance policy?."
- Wisconsin Office of the Commissioner of Insurance. "Understanding How Insurance Companies Use Credit Information."
- Department of Financial Services. "Applying for Auto Insurance."
- Department of Financial Services. "Minimum Auto Insurance Requirements."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.