Full Coverage Car Insurance in New York
Figures updated
Liability, collision and comprehensive together, priced from the New York averages.
- $179average a month for full coverage
- 25/50/10minimum liability limits
- 3rd of 51most expensive state (1st = highest)
What full coverage costs in New York
Full coverage adds collision and comprehensive to liability. In New York those two parts add $906 a year on top of the $1,243 liability average.
| 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).
When full coverage stops paying off
Lenders and lease companies require it while you owe money on the car.
Once the car is paid off, compare its value with the $906 a year the extra cover costs. If one bad year of premiums would buy most of the car, liability only is usually the better deal.
Full coverage by car in New York
Estimates for an adult with a clean record, from IIHS-HLDI loss results. The cheapest and dearest of the 40 models we price:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $1,347 | $112 |
| Honda CR-V | $1,397 | $116 |
| Subaru Outback | $1,476 | $123 |
| Chevrolet Corvette | $1,653 | $138 |
| Kia Forte | $2,857 | $238 |
| Chevrolet Camaro | $3,282 | $274 |
| Dodge Charger | $3,930 | $327 |
| Dodge Challenger | $3,953 | $329 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
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