Car Insurance Cost in New York
Car insurance in New York costs about $3,250 a year ($271 a month), which is 25% above the US average. Most prices fall from $1,750 to $5,750.
Car Insurance Cost in New York
| Low | Typical | High | |
|---|---|---|---|
| New York | $1,750 | $3,250 | $5,750 |
| US average | $1,400 | $2,600 | $4,600 |
Premiums in New York reflect local claim costs, repair prices, weather risk and state insurance rules. We rank New York number 46 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 1.25 (1.00 is the US average).
What the price covers
The figures are for a 40-year-old with a clean record, full coverage. Full coverage means liability plus collision and comprehensive. Your rate depends on age, car, ZIP code, credit-based score where allowed and claims history.
Ways to pay less in New York
- Compare quotes from at least three insurers; the same driver can see a gap of $1,000 or more.
- Ask about bundling with home or renters, telematics programs and low-mileage discounts.
- Raise your deductible if you have savings to cover it.
- Drop collision on an older car worth less than about ten times the premium.
Frequently asked questions
How much is car insurance per month?
In New York the typical price is about $3,250 a year ($271 a month), with a range of $1,750 to $5,750.
Is car insurance more expensive in New York than average?
It is 25% above the US average of $2,600.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.