Car Insurance in New York
Numbers refreshed
For New York car insurance, these are the averages and local driving patterns.
- $179The New York average for full coverage each month.
- 25/50/10.Lowest limits required by the state.
What New York area drivers pay
In New York, full coverage costs $2,150 per year on average, while the legal minimum is $1,243. In a big city, prices are usually above the state average. Traffic, claims and theft are all higher.
| 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).
How people drive in New York
| Census figure | New York |
|---|---|
| People | 8,483,844 |
| Average trip to work | 40 minutes |
| Drive to work alone | 22% |
| Homes with no car | 55% |
| Median household income | $80,483 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
The New York calculator calculates a price using your age, your record and details about your car. The state's rules appear in New York car insurance requirements.
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