Car Insurance in New York
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What New York drivers pay, the legal minimum and who has the lowest rates.
- $179.Monthly average for full coverage.
- Required minimum: 25/50/10.Liability amounts.
- 3rd out of 51.Most expensive state (1st is the highest).
New York car insurance costs
With full coverage, the average New York driver pays $2,150 each year, or about $179 monthly The average annual cost for a policy with only the legal minimum is $1,243 The US average is $1,613 a year, while legal-minimum policies cost 33% more.
| 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).
New York's legal minimum
In New York, liability coverage must be at least 25/50/10. Each person hurt is covered for $25,000. Everyone hurt in one crash is covered for $50,000. The policy also covers $10,000 in damage to other people's property.
As a no-fault state, New York has your policy pay your medical bills after a crash, regardless of who caused it
You must have uninsured motorist coverage
How many New York drivers lack insurance?
In 2023, about 9% of New York drivers lacked car insurance. This uninsured share ranked 44th highest among the 51. If an uninsured driver hits you, uninsured motorist coverage pays your bills
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