New York Car Insurance Quotes & Average Rates

Full coverage car insurance in New York is estimated at $3,927 a year, or $327 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $1,708 a year. New York is a no-fault state, and drivers must carry 25/50/10 liability limits. Below you will find estimated rates for 149 New York cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — New York

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$327/ month

$3,927 per year · carriers in New York typically quote $2,788 – $5,420

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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in New York

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$2,985	$249	-24%	Military members and families only
Geico	$3,220	$268	-18%	Usually cheapest for clean records
State Farm	$3,456	$288	-12%	Strong for young and student drivers
Progressive	$3,731	$311	-5%	Competitive after a ticket or accident
Travelers	$3,809	$317	-3%	Good multi-policy discounts
Nationwide	$3,927	$327	0%	Mid-market, wide availability
Allstate	$4,477	$373	+14%	Higher base rate, heavy discount stacking
Farmers	$4,752	$396	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in New York. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

New York car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$10,608	$4,612	$884
18 years old	$8,948	$3,890	$746
20 years old	$7,409	$3,221	$617
22 years old	$6,154	$2,676	$513
25 years old	$4,697	$2,042	$391
30 years old	$4,049	$1,760	$337
40 years old	$3,806	$1,655	$317
50 years old	$3,644	$1,584	$304
60 years old	$3,603	$1,567	$300
65 years old	$3,765	$1,637	$314
70 years old	$4,130	$1,796	$344
75 years old	$4,818	$2,095	$401

Estimated premiums by age in New York, clean record, sedan.

How violations change your New York premium

Driving record	Est. annual	Increase
Clean record	$3,927	—
1 speeding ticket	$4,831	+23%
1 at-fault accident	$5,773	+47%
DUI / DWI	$7,423	+89%

What a violation costs a 35-year-old in New York. Surcharges normally stay on the policy for three to five years.

A DUI in New York usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

New York minimum insurance requirements

Required coverage in New York	Minimum limit
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability	$10,000
PIP $50,000	Required
Uninsured motorist 25/50	Required
Insurance system	No-fault

Limits are set by statute and change from time to time. Confirm the current figures with the New York Department of Insurance before you buy.

Coverage levels in New York

Coverage level	Est. annual	Est. monthly
State minimum liability	$1,708	$142
Full coverage (100/300/100 + comp & collision)	$3,927	$327
Full coverage, high limits + low deductible	$4,673	$389

Coverage level comparison for New York.

Car insurance rates in New York cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 149 New York cities we price.

New York City$4,150 Brooklyn$4,150 Queens$4,150 Manhattan$4,150 The Bronx$4,150 Staten Island$3,882 Buffalo$3,614 Rochester$3,614 Yonkers$3,614 Syracuse$3,347 Amherst$3,347 Albany$3,347 West Albany$3,347 Greenburgh$3,347 New Rochelle$3,347 Cheektowaga$3,347 Mount Vernon$3,347 Schenectady$3,347 Utica$3,347 Brentwood$3,347 White Plains$3,146 Clay$3,146 Hempstead$3,146 Levittown$3,146 Irondequoit$3,146 Troy$3,146 Niagara Falls$3,146 Binghamton$3,146 West Seneca$3,146 Freeport$3,146 West Babylon$3,146 Henrietta$3,146 Hicksville$3,146 Coram$3,146 East Meadow$3,146 Valley Stream$3,146 Clifton Park$3,146 Brighton$3,146 Commack$3,146 Central Islip$3,146 New City$3,146 Long Beach$3,146 Elmont$3,146 Huntington Station$3,146 Kiryas Joel$3,146 Spring Valley$3,146 Rome$3,146 Oceanside$3,146 Cicero$3,146 Centereach$3,146 Ithaca$3,146 North Tonawanda$3,146 Poughkeepsie$3,146 Jamestown$3,146 Port Chester$2,978 Glenville$2,978 Franklin Square$2,978 Harrison$2,978 West Islip$2,978 Newburgh$2,978 Elmira$2,978 Vestal$2,978 Shirley$2,978 Middletown$2,978 Saratoga Springs$2,978 Deer Park$2,978 Queensbury$2,978 Glen Cove$2,978 Lindenhurst$2,978 Holbrook$2,978 Auburn$2,978 Dix Hills$2,978 Watertown$2,978 Smithtown$2,978 Bay Shore$2,978 Plainview$2,978 Ossining$2,978 East Amherst$2,978 Uniondale$2,978 Rockville Centre$2,978 Medford$2,978 Peekskill$2,978 Baldwin$2,978 Kingston$2,978 Copiague$2,978 Garden City$2,978 East Patchogue$2,978 Merrick$2,978 Massapequa$2,978 Hauppauge$2,978 Grand Island$2,978 Latham$2,978 Rotterdam$2,978 Lockport$2,978 East Northport$2,978 Lake Ronkonkoma$2,978 North Bellmore$2,978 Cortlandt Manor$2,978 Selden$2,978 Plattsburgh$2,978 Holtsville$2,978 Lynbrook$2,978 Mamaroneck$2,978 Mineola$2,978 Ronkonkoma$2,978 East Massapequa$2,978 Melville$2,978 North Bay Shore$2,978 Cortland$2,978 Wantagh$2,978 West Hempstead$2,978 Syosset$2,978 Islip$2,978 Monsey$2,978 Huntington$2,978 Amsterdam$2,978 Lackawanna$2,978 North Massapequa$2,978 Scarsdale$2,978 Nanuet$2,978 North Amityville$2,978 Oswego$2,978 North Babylon$2,978 Wilton$2,978 Kings Park$2,978 Massapequa Park$2,978 Woodmere$2,978 East Setauket$2,978 Sayville$2,978 North Valley Stream$2,978 Cohoes$2,978 Bethpage$2,978 Roosevelt$2,978 Bellmore$2,978 Rye$2,978 Floral Park$2,978 Pearl River$2,978 Port Washington$2,978 Farmingville$2,978 Mastic$2,978 Setauket-East Setauket$2,978 Westbury$2,978 Seaford$2,978 Kenmore$2,978 Depew$2,978 Gates-North Gates$2,978 Gloversville$2,978 Eggertsville$2,978 Batavia$2,978

Frequently asked questions

▸How much is car insurance in New York?

Full coverage in New York is estimated at $3,927 a year, or $327 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $1,708 a year.

▸What car insurance is required in New York?

New York requires $25,000 bodily injury liability per person, $50,000 per accident and $10,000 property damage, plus pip $50,000, uninsured motorist 25/50.

▸Is New York a no-fault state?

Yes. New York is a no-fault state: your own personal injury protection pays your initial medical bills regardless of who caused the crash, and your right to sue the other driver is limited.

▸Which New York city has the cheapest car insurance?

Of the 149 New York cities we price, Batavia carries the lowest estimate at $2,978 a year, while New York City is highest at $4,150. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in New York?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.