Average Car Insurance Cost in New York (2025)
Drivers in New York pay an average of $183 per month for car insurance.
Excellent
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
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 $178 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 $187 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 $126 per month for liability coverage.
How much is car insurance in New York?
The average cost of car insurance in New York state is $178 per month for liability coverage and $187 per month for full coverage. On an annual basis, that means liability coverage clocks in at $2,140, while full-coverage car insurance is $2,243.
How New York car insurance rates have changed over the past two years
See More
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 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
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 $2,140 per year for liability coverage and $2,243 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 Liberty Mutual, with an average monthly cost of $90 for liability coverage. To find the most affordable car insurance, compare several options.
Liability insurance costs an average of $178 per month in New York. Full-coverage car insurance costs more, at $187 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
)
)
)
){kind=logo}
){kind=small}
){kind=logo}
){kind=small}
)
)
