New York Car Insurance Calculator
Numbers refreshed
Just just three questions. No name, email or phone needed. needed. The average for New York is already set.
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What's the main driver's age?
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How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Averages for New York that the estimate is based on
The calculator begins with NAIC averages for New York and then factors in age, driving record and the car.
| 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).
Ways the estimate can change
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
Learn more about car insurance in New York
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