Average car insurance cost in New York
New York sits in the pricier half of the country at #39 of 51, with average premiums about 9% above the national average — roughly $216 a year more than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How New York compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in New York next to nearby states:
| State | Full coverage /mo | Difference vs NY |
|---|---|---|
| New York | $226 | — |
| New Jersey | $249 | +$23/mo |
| Connecticut | $305 | +$79/mo |
| Pennsylvania | $198 | −$28/mo |
| Massachusetts | $181 | −$45/mo |
New York car insurance FAQ
How much is car insurance in New York?
Full-coverage car insurance in New York averages $226 per month ($2,712 per year). A state-minimum liability policy averages $106 per month ($1,272 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in New York more expensive than average?
Yes. New York's full-coverage average of $226/month is about 9% above the U.S. average of $208/month, ranking #39 of 51 (1 = cheapest).
Is New York a no-fault state?
Yes. New York uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in New York?
Minimum liability in New York averages $106/month versus $226/month for full coverage — a gap of $120/month, or $1,440/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.