Average Car Insurance Cost in New York (2025)

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 $182 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.

How much is car insurance in New York?

The average cost of car insurance in New York state is $182 per month for liability coverage and $191 per month for full coverage. On an annual basis, that means liability coverage clocks in at $2,189, while full-coverage car insurance is $2,295.

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

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 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.

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.

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.

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.

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: