How Much Is Car Insurance in New York? (2026)

How much is car insurance in New York?

The average cost of car insurance in New York is $153 per month, or $1,838 per year, for state-minimum coverage and $243 per month, or $2,916 per year, for full coverage. 

Car insurance costs in New York are only slightly higher than the national average cost of car insurance of $186 per month for full coverage.

Coverage Type	Average Monthly Quote	Average Annual Quote
State-minimum coverage	$153	$1,838
Full coverage	$243	$2,916

Disclaimer: Table data is based on real-time New York quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Full-coverage New York auto insurance costs are also higher than average rates in three neighboring states:

• Vermont: $151 per month

• Massachusetts: $141 per month

• Pennsylvania: $160 per month

Average monthly full-coverage insurance rates in Connecticut ($219) and New Jersey ($255), though, are notably higher than in New York.

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Minimum car insurance requirements in New York

New York state requires drivers to carry minimum liability coverage to register a vehicle, including both property damage liability and bodily injury liability, as well as uninsured motorist coverage and no-fault or personal injury protection (PIP).

You must purchase liability coverage from an insurer licensed by the New York State Department of Financial Services and certified by the state DMV.^[1] The table below breaks down specific New York car insurance requirements:

Coverage Type	New York Minimum Requirement
Property damage in a single crash	$10,000
Bodily injury/death for one person	$25,000 / $50,000
Bodily injury/death for two or more people	$50,000 / $100,000
Uninsured motorist coverage	$25,000 for one person / $50,000 for two people
No-fault or PIP coverage	$50,000 per person

Cheapest car insurance companies in New York

Erie has the cheapest car insurance in New York, with an average rate of $72 per month for liability-only coverage. USAA and Travelers are the second- and third-cheapest insurers in New York, with average monthly liability rates of $74 and $87, respectively.

Liability insurance is the cheapest coverage type because it only pays for damage to someone else’s property and injuries or deaths to other people outside your vehicle. To pay for damage to your vehicle regardless of fault, consider carrying comprehensive coverage and collision coverage, which are part of a full-coverage policy.

New York’s minimum coverage requirements are lower than in some other states. Neighboring Connecticut, for instance, requires $25,000 of property damage coverage, compared to only $10,000 in New York. Unsurprisingly, the average cost of state-minimum coverage in Connecticut ($159 per month) is higher than in New York ($153 per month).

The table below shows where to find the cheapest liability-only coverage in New York:

The below rates in New York are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT. 

Insurance Company	Average Monthly Quote: Liability Only
Erie	$72
USAA	$74
Travelers	$87
State Farm	$101
Allstate	$107
Nationwide	$108
GEICO	$111
CSAA	$182
Chubb	$197
Progressive	$206
Bristol West	$282

Disclaimer: Table data sourced from real-time New York car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in New York may vary based on the policy buyer's unique driver profile.

Average New York car insurance rates by city

Average car insurance rates are highest in the New York City metro area and the entirety of Long Island, including the Bronx ($404 per month for full coverage), Brooklyn ($349 per month), and Freeport ($282 per month).

This isn’t surprising, given that New York City is one of the most densely populated cities in the country, with streets packed with vehicles and a greater potential for collisions. New York City is also the largest consumer market in the country, meaning it has a high level of freight traffic (roughly 90% of which is trucks) to contend with. Finally, New York City is the most visited city in the U.S., meaning the streets play host to non-local traffic and more pedestrians.

New Yorkers who live far outside the city typically have access to more affordable car insurance coverage. Ithaca has the cheapest average rate for state-minimum coverage ($58 per month), and Binghamton has the most affordable full-coverage car insurance, at an average of $134 per month.

City	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
New York City	$189	$313
Bronx	$287	$404
Brooklyn	$251	$349
Buffalo	$156	$199
Yonkers	$192	$293
Rochester	$89	$148
Syracuse	$100	$193
Schenectady	$85	$143
Utica	$101	$167
White Plains	$119	$196
Troy	$93	$176
Niagara Falls	$131	$194
Binghamton	$78	$134
Poughkeepsie	$111	$182

Disclaimer: Table data is based on real-time New York quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Average New York car insurance rates by age

Age is a critical factor insurers use when determining rates. Across the U.S., teens typically pay the most because they have less experience, and rates trend down as you age. But once you reach your 70s, rates begin to increase again.

This holds true in New York State. The average monthly full-coverage cost for teens and new drivers is $350, compared to $247 for drivers in their 40s and $169 for drivers in their 60s. 

The average monthly rate increases to $170 for senior drivers in their 70s. In New York, nearly 19% of the population is aged 65 or older, meaning rates are creeping up for roughly one-fifth of the state’s drivers.^[2]

Age	Average Monthly Liability-Only Quote	Average Monthly Full-Coverage Quote
Teens	$221	$350
Adults (40s)	$156	$247
Seniors	$106	$169

Disclaimer: Table data is based on real-time New York quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

How your driving record affects car insurance rates in New York

New York drivers with a clean driving record typically qualify for lower rates than people with a spottier driving history.

For instance, drivers with a speeding ticket pay an average of 21% more per month than drivers with a clean record. Accidents and driving under the influence (DUI) are even costlier for drivers.

Notably, New York drivers have better records than drivers in many other states. For instance, New York ranks No. 37 in the country for states with the highest rate of ticketed drivers (3.4% of NY drivers). New York ranks No. 22 for states with the highest rate of drivers with accidents (4.9% of NY drivers) and No. 29 for DUIs (0.7% of NY drivers), according to Insurify data.

Driving Record	Average Monthly Quote in NY	% Increase Compared to Clean Driving Record
Clean driving record	$159	N/A
With speeding ticket	$193	21%
With accident	$227	43%
With DUI	$260	64%

Disclaimer: Table data is based on real-time New York quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

What affects car insurance rates in New York?

At an overall average cost of $198 per month, New York is among the most expensive states for car insurance. Here are a few factors that affect rates in the Empire State:

Hurricanes and tropical storms

New York’s most densely populated city is situated in the North Atlantic Basin, where hurricanes and tropical storms are a threat. These storms can be devastating in New York, such as Hurricane Sandy in 2012. Damage from falling trees, hail, and wind is a greater threat during extreme weather, and accidents can be more common in rainy conditions.



Extreme winters

New York experiences wet, cold winters, with especially brutal winters in upstate New York, where snow makes collisions more likely. For instance, since the 2020–21 winter season, Buffalo has averaged 91 inches of snow per year.^[3]



Population density

With a population of more than 20 million, New York is the eighth-most densely populated state (ninth if you include D.C.). That means more drivers on the road, which increases the chance of collisions.



Tourism and freight traffic

New York City, in particular, deals with significant amounts of non-local traffic. The freight infrastructure around the Big Apple was built in the early 1900s and isn’t ideal for today’s volume of truck traffic. And with nearly 10 million tourists each year, New York City also faces additional traffic congestion, even if many of those visitors fly in and use the subway system.



No-fault insurance

New York is a no-fault insurance state, which means drivers must carry personal injury protection in addition to liability coverage.^[4] This increases costs.

How New York car insurance rates have changed over the past five years

At the start of 2021, the average yearly cost of car insurance in New York was $2,095. Today, the average cost of car insurance in New York is $2,268 per year for full coverage.

Rates peaked in late 2024, but then started to decline. Year over year, rates dropped 13% in 2025. One potential driver of such a notable rate drop: New York City, the state’s most populous area, saw traffic deaths reach an all-time low in 2025, down 19%.

This year, Insurify projects that New York auto insurance rates will start to rise again (by 0.7%).

How to lower car insurance costs in New York

The cost of auto insurance in New York may be higher than in most states, but you can still find ways to lower your car insurance costs in the Empire State:

• Rely on public transportation. If you live in New York City, you have access to a robust public transportation system. Because how often you drive is a critical factor affecting car insurance rates, putting fewer miles on the odometer could bring your costs down.

• Ask about discounts. Insurers offer a wide range of car insurance discounts, such as a multi-policy discount for bundling home and auto and a safe driving discount for a claims-free history.

• Take a defensive driving course. The New York State Department of Motor Vehicles has an approved list of Point and Insurance Reduction Program (PIRP) courses.^[5] Successfully completing one of the courses results in a decrease in your insurance premium.

• Adjust your coverage. Both raising your deductible and lowering your coverage limits can reduce your car insurance premiums. Just make sure you’re comfortable taking on more financial risk if you need to file a claim.

• Establish good credit habits. New York allows insurers to consider your credit-based insurance score when pricing auto insurance policies. While this isn’t exactly the same as your credit score, the habits that lead to a strong credit score typically lead to a better credit-based insurance score. That means it’s a good idea to focus on making on-time debt repayments and paying down credit cards.

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