Average Car Insurance Cost in New York
Numbers refreshed
NAIC averages for New York, broken out by coverage, along with its national rank.
- $2,150.That's the yearly average for full coverage.
- 25/50/10.The minimum liability limits.
- 3rd of 51.Its cost ranks third among the states (1st = highest).
Average cost by coverage in New York
In New York, full coverage averages $2,150 a year. This amount is 33% higher than the US yearly average of $1,613.
Per insured car, average spending increased 13.1%, moving from $1,751 in 2023 to $1,981 in 2024.
| Coverage in New York | Per year | Per month |
|---|---|---|
| Liability | $1,243 | $104 |
| Collision | $622 | $52 |
| Comprehensive | $284 | $24 |
| Full coverage (all three) | $2,150 | $179 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Similar states compared with New York
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Florida | 1st | $2,175 | $181 |
| Louisiana | 2nd | $2,151 | $179 |
| New York | 3rd | $2,150 | $179 |
| District of Columbia | 4th | $1,986 | $166 |
| Georgia | 5th | $1,973 | $164 |
| Texas | 6th | $1,917 | $160 |
| New Jersey | 7th | $1,878 | $157 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for you
Every age and record goes into the averages. The New York calculator adjusts them for your details.
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