The average driver in New York pays about $1,896 a year for full coverage — about 32% more than the US average of $1,438. That ranks New York #3 of 51 states (one of the most expensive). The car you drive then shifts it: a cheap-to-insure model can land near $910, a high-loss one well over $13,962.
New York insurance cost by coverage
Average New York premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in New York
New York legally requires at least 25/50/10 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage. PIP is required. Uninsured-motorist coverage is required. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in New York
Estimated annual premium in New York, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
- Zero ads — clean, fast pages
- …and much more
Most expensive cars to insure in New York
The priciest cars to insure in New York — powerful, theft-prone and costly to repair.
New York insurance cost by year
New York premiums are up about +20% since 2019. Average New York premium by year:
| Year | New York avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in New York's largest cities
Rates vary within New York by city and ZIP — dense metros like New York City run above the state average, while smaller towns run below. Estimated typical premium in New York's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| New York City | $2,086/yr | +10% urban |
| Buffalo | $2,029/yr | +7% urban |
| Rochester | $1,991/yr | +5% urban |
| Yonkers | $1,972/yr | +4% urban |
| Syracuse | $1,934/yr | +2% urban |
| Albany | $1,915/yr | ≈ state avg |
| New Rochelle | $1,896/yr | ≈ state avg |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.