Average Cost of Car Insurance in New York State in 2026

On average, car insurance in New York is $3,184 for full coverage and $1,249 for minimum coverage.

Minimum coverage car insurance is expensive in New York due to high population density, frequent accidents, costly medical claims under the state’s no-fault system, and elevated rates of insurance fraud.

By City

New York City is far and away the most expensive place in the state to insure a vehicle, which includes the five boroughs of Manhattan, Queens, Brooklyn, the Bronx, and Staten Island. The cost of auto insurance in New York City is almost 50 percent more than both the national average and the state average.

By Age

In New York, as in most states, it costs more to insure teenagers than other age groups.

By Gender

In 44 states, including New York, it’s legal for insurance companies to charge more for insurance based on sex. This difference is most significant with teen drivers:

New York has some of the most expensive insurance rates in the country. See below the lowest New York auto insurance rates based on your demographic circumstances.

If you’re still struggling to pay your premium, follow our recommendations on how to save on car insurance in New York.

1. Purchase only the minimum coverage legally required in New York. Remember that the lower your limits are, the more you will have to pay out of pocket in the event of an accident.
2. Check for discounts. Search your insurance company’s website, or ask your insurance agent what discounts apply to your situation.
3. Increase your deductible. Increasing your deductible reduces your premium, but it means you will pay more out of pocket in the event of an accident before your auto insurance coverage kicks in.
4. Look into the New York Automobile Insurance Plan. New York has an affordable insurance plan called NYAIP. To apply, you must certify that you’ve tried and failed to find car insurance below NYAIP rates on the voluntary market within the past two months. You can apply online at https://www.nypass.com.

In New York, as in most states, you must purchase car insurance to register a vehicle. The minimum auto insurance in New York consists of:

• $10,000 property damage liability
• $25,000 bodily injury liability per person/$50,000 per accident
• $50,000 liability for death per person/$100,000 per accident
• $25,000 uninsured motorist bodily injury coverage per person/$50,000 per accident
• $50,000 personal injury protection

Your insurance must remain in effect while your vehicle is registered — even if you don’t use your car. It must also be New York state insurance coverage issued in your name and remain that way.¹

New York is a no-fault state, which is one of the reasons why it’s so expensive to insure a car there. The point of no-fault insurance, or personal injury protection (PIP), is to distribute funds related to medical/health, lost earnings, and other reasonable expenses promptly after an accident, regardless of fault. PIP requires economic losses to exceed coverage to file a lawsuit. You can also sue for non-economic damages like pain and suffering in the event of a serious injury.²

You do not need an SR-22 in New York. If you have an SR-22 and move to New York, you must maintain that coverage. Your driving record will still impact your auto insurance rates, and you must ensure you have the minimum amount of coverage required in New York after you move.

New York is one of the most expensive states in which to insure a vehicle. New York’s no-fault auto insurance laws and cost of living contribute heavily to its auto insurance rates. Progressive, NYCM, and GEICO tend to be cheaper, but your mileage may vary — get quotes from at least three providers and compare their rates. If you have difficulty accessing more affordable insurance on the voluntary market, look into New York’s affordable insurance plan as a last resort.

We analyze average premiums in New York for full and minimum coverage for good drivers with good credit as well as various driver profiles. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $50,000 per accident
• $50,000 liability for death per person/$100,000 per accident
• $50,000 uninsured motorist bodily injury coverage per person/$100,000 per accident
• $50,000 personal injury protection
• Comprehensive and collision: $500 deductible