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Last updated: March 27, 2024

Average Cost of Car Insurance in New York State in 2024

How much should you expect to pay for auto insurance in the state of New York?

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New York is an expensive state, especially regarding auto insurance. New York is the most expensive state to insure a vehicle in the United States. New York auto insurance companies can take your marital status, sex, military service, ZIP code, credit score, age, and driving record into account when determining your rate. Read on to discover what rates you should expect when shopping for auto insurance in New York and how to keep rates as low as possible.

Average Cost of Car Insurance in New York State

According to the National Association of Auto Insurance Commissioners, the average annual auto insurance premium in New York is $1,511. The average annual cost of auto insurance in the state of New York is 42 percent higher than the national average of $1,061.1

By City

New York City is far and away the most expensive place in the state to insure a vehicle. The cost of auto insurance in New York City is more than triple the national average and more than double the average of the entire state.

City Average annual cost of car insurance
New York $3,337
Albany $1,458
Rochester $1,321
New Rochelle $1,977
Syracuse $1,407

By Age

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

Age Average annual cost of car insurance
16 $5,829
17 $5,871
18 $5,151
19 $4,232
20s $3,496
30s $2,391
40s $2,081
50s $2,028
60s $2,063
70s $2,280

By Gender

In 43 states, including New York, it’s legal for insurance companies to charge more for insurance based on sex. Unlike most states, however, women pay more than men for auto insurance.

Gender Average annual cost of car insurance
Male $1,444
Female $1,467


Men typically pay more for auto insurance because they have higher rates of fatal accidents and DUIs. Men are also more likely to be stopped by the police.

By Marital Status

Married people typically get a break in auto insurance rates. In New York, the difference is only $45.

Marital Status Average annual cost of car insurance
Single $1,444
Married $1,399
Divorced $1,424

By Coverage Level

The more coverage you purchase, the higher your auto insurance will cost. In New York, it will cost you 61 percent more for full coverage.

Coverage level Average annual cost of car insurance
Minimum $963
Full $1,809

By Credit Score

In most states, auto insurance companies can legally use a person’s credit score to determine their auto insurance premium. In New York, having bad credit could drastically raise your auto insurance premium — by more than $3,000.

Credit score Average annual cost of car insurance
Poor $5,437
Average $3,045
Good $2,549
Excellent $2,008

By Violation

Keeping a clean driving record could decrease your auto insurance premium. The more severe the incident, the more likely it will impact your rate. In New York, a DUI affects car insurance more than other violations.

Driving history Average annual cost of car insurance
Clean driving record $2,746
Speeding ticket $2,690
Accident $2,730
DUI $3,653

By Company

Our research found Kemper had the lowest average annual cost of full coverage auto insurance in New York.

Company Average annual cost of car insurance
Kemper $781
Progressive $1,883
American Family $1,159
GEICO $2,752
Erie $2,044
State Farm $2,267
Allstate $3,370
Chubb $3,134
Travelers $3,275

By Car

A vehicle’s make, model, and age impact how much it costs to insure. For example, an entry-level luxury car like a BMW 3 Series costs over $1,000 more than a Honda minivan.

Car Average annual cost of car insurance
Toyota Camry $3,848
Ford F-150 $3,380
Honda Odyssey $3,174
BMW 330i $4,533
Toyota Prius $3,723

Cheapest Car Insurance in New York State

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.

Demographic Cheapest company Average annual cost of car insurance
Male teens Kemper $1,516
Female teens Kemper $1,461
Full coverage Kemper $943
Minimum coverage NCYM Insurance $513
Bad credit GEICO $2,062
16 years old Progressive $4,153
17 years old GEICO $4,364
18 years old Progressive $3,758
20s Kemper $1,199
30s Main Street America $1,440
60s Kemper $923
Speeding ticket Progressive $1,120
Accident Progressive $1,079
DUI Progressive $1,132
Good drivers Main Street America $1,440

How to Save on Car Insurance in New York State

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

Minimum Car Insurance in New York

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 for one person or $50,000 for two or more people in an accident
  • $50,000 for death of one person and $10,000 for two or more people in an accident

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.2


New York never accepts out-of-state car insurance coverage of any type. A vehicle registered in New York must have New York auto liability insurance.

Fault Law in New York

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.3

SR-22s or FR-44s

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.4


An SR-22 is a form that proves you have the legally required amount of insurance after a serious violation like a DUI.


New York is the most expensive state 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. Luckily, New York has an affordable insurance plan if you have difficulty accessing more affordable insurance on the voluntary market.


We utilize proprietary data and research methods to gather information on auto insurance rates in your state. New York’s auto insurance laws, including minimum coverage requirements and fault laws, inform our recommendations for how much auto insurance you need and how you can save money when making purchase decisions. You should always obtain multiple quotes before you decide on an auto insurance provider.

Frequently Asked Questions

How much is a monthly car insurance payment in New York?

The average cost of auto insurance per month in New York is $126.

Why is car insurance so high in New York?

New York is a no-fault state, making it more expensive than most states in the U.S. when it comes to auto insurance.

Which company typically has the cheapest car insurance in New York?

Some auto insurance providers with the cheapest rates in New York are Kemper, GEICO, and Progressive.


  1. 2020/2021 Auto Insurance Database Report. National Association of Insurance Commissioners. (2024, Jan).

  2. New York State Insurance Requirements. New York State. (2024).

  3. Minimum Auto Insurance Requirements Coverage. New York State Department of Finacnial Services. (2024).

  4. New York SR-22 Insurance. SR22 Insurance Quotes. (2024).