New York Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, New York car insurance averages about $288 a month ($3,457 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 23% above the national average in our data. It’s higher than in New Jersey, Pennsylvania, Connecticut, Massachusetts and Vermont. Progressive has the lowest full-coverage average of the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $96 a month.

New York car insurance: key numbers

• Full coverage: about $288 a month ($3,457 a year)
• Liability only (25/50/10): about $152 a month
• Lowest-priced insurer: Progressive has the lowest full-coverage average of the five major insurers we compared, at about $96 a month
• Recent price change: −1.4% for full coverage (same insurers and ZIP codes)
• Most and least expensive counties: Kings County (Brooklyn) (about $502 a month) and Clinton County (about $157)

One insurer pulls the state average down: Progressive’s full-coverage average for our driver is about $96 a month statewide. Without Progressive, the other four major insurers we compared average about $336 a month, compared with $288 with it.

Prices depend heavily on where you live. The five boroughs and Nassau County are the six most expensive counties in our data, led by Brooklyn at about $502 a month, while Clinton County, the least expensive, averages about $157. The average car insurance cost in NYC is about $448 a month, and Monroe County, home to Rochester, averages $176. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 725 New York ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.

How Much Is Car Insurance in New York?

The average cost of car insurance in New York is about $288 a month ($3,457 a year) for full coverage and $152 a month for liability-only coverage at the state’s 25/50/10 minimum. That’s for a 40-year-old driver with a clean record, based on rates insurers had filed with state regulators as of Aug. 31, 2026.

Full coverage in New York averages $3,457 a year, or about $288 a month, for our benchmark driver. Liability-only coverage at New York’s 25/50/10 minimum averages $1,820 a year ($152 a month), and 50/100/50 liability with comprehensive and collision averages $3,256 ($271 a month).

• Full coverage (100/300/100, $500 deductibles): $3,457 a year ($288 a month)
• 50/100/50 with $500 deductibles: $3,256 a year ($271 a month)
• Liability only (25/50/10): $1,820 a year ($152 a month)
• Without Progressive: $4,033 a year ($336 a month) for full coverage
• New York City: $5,376 a year ($448 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How New York Compares With Neighboring States

New York’s average is about $9 a month above New Jersey’s, $84 above Pennsylvania’s, $56 above Connecticut’s, $106 above Massachusetts’ and $147 above Vermont’s. It’s the sixth-highest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in New York: Companies Compared

• Lowest average in our data, full coverage: Progressive, at about $96 a month ($1,155 a year).
• Next lowest among these five insurers: GEICO, at about $221 a month, then Allstate and State Farm, effectively tied at $336 and $343.
• Liability only (25/50/10): about $38 to $236 a month across the five insurers.
• Also on our list: USAA at about $165 a month, NYCM Insurance at $219 and Erie Insurance at $261 (USAA sells only to military families).
• Most expensive in our data: Travelers, at about $444 a month for full coverage.

Progressive has the lowest full-coverage average among the five insurers in our New York rate data. Five of the eight published 2026 statewide New York rate studies we reviewed also rank Progressive cheapest for full coverage, so we name it, though its lead in our data is wider than in those studies. Two of the others put Erie Insurance first and one NYCM Insurance. For liability-only coverage at 25/50/10 limits, averages run from about $38 to $236 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.

These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.

See What You’d Pay in New York

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How New York’s Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.

Are Car Insurance Rates Going Up in New York?

It depends on the insurer. Comparing the same insurers in the same New York ZIP codes, full coverage averaged $3,506 a year nine months earlier and $3,457 in rates as of Aug. 31, 2026, a 1.4% drop, but only because Progressive cut its statewide average 23.5%. The other four insurers’ average rose 0.7%: Travelers raised its average 6.1% and Allstate cut its 4.6%, while GEICO’s and State Farm’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 3.6%, led by Allstate, which cut its liability-only average 12.3%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

Why Is Car Insurance So Expensive in New York?

New York’s full-coverage average is 23% above the national average, but the statewide figure hides a big split between downstate and upstate. Three things stand out in our numbers and in state law.

• Downstate prices. Brooklyn and the Bronx average about $502 and $500 a month for full coverage, and New York City as a whole $448. Nassau County, on Long Island, averages $370, and Suffolk County $301.
• Upstate prices. Monroe County (Rochester) averages about $176 a month and Erie County (Buffalo) $226, below the national $234.
• New limits on rating factors. From Nov. 23, 2026, insurers can’t use your occupation, education, homeownership or the ZIP code where your car is garaged as the sole basis for your rate or tier, under New York Insurance Law section 2341. They can still group neighboring ZIP codes into rating territories, so prices will keep varying by area.

New York Car Insurance Rates by City

Among places with at least four ZIP codes in our data, Jamaica, in Queens, is the most expensive, at $528 a month for full coverage, followed by Brooklyn at $502 and the Bronx at $500. Elmira is the least expensive of those 18, at about $164. Across all 489 mailing-address cities and towns we price, averages run from about $546 in St. Albans, in Queens, to $155 in Plattsburgh.

The table lists all 489 New York cities and towns in our data by their post office name, from most to least expensive. In New York City, Manhattan (listed as New York), Brooklyn, the Bronx and Staten Island use their borough names, while Queens uses neighborhood names such as Flushing and Jamaica; every New York City row links our New York City guide. Search it for your town.

New York City and Town Car Insurance Guides

Each guide has local prices and how the insurers compare there. The New York City guide breaks prices down by borough and ZIP code, and the six Long Island town guides list each community we price in the town.

New York Car Insurance Rates by County

Kings County (Brooklyn) is the most expensive county in our data, at about $502 a month for full coverage, followed by Bronx County (the Bronx), at $500, and Queens County, at $466. The least expensive of the 59 counties we price are Clinton County ($157), Warren County ($162) and Chemung County ($163). We price 59 of New York’s 62 counties.

How Much More Does Better Coverage Cost in New York?

Raising liability limits from 50/100/50 to 100/300/100 adds about $201 a year on average statewide in our data, with the same $500 deductibles. Across the five insurers, the step up costs $28 (Progressive) to $446 (Travelers) a year. Statewide, that’s about $17 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

New York No-Fault Insurance: What It Covers

New York is a no-fault state for injuries: after a crash, your own policy’s personal injury protection pays your medical bills and part of your lost earnings, no matter who caused it. The New York State Department of Financial Services explains the benefits and the optional coverage insurers must offer.

What Car Insurance Is Required in New York?

New York requires liability coverage of at least $25,000 per person and $50,000 per crash for injuries ($50,000 and $100,000 when someone dies) and $10,000 for property damage, plus $50,000 per person in no-fault coverage and uninsured motorist coverage at the same 25/50 injury limits.

• Bodily injury liability: $25,000 per person and $50,000 per crash, rising to $50,000 and $100,000 when the injuries result in death, according to the New York State Department of Financial Services.
• Property damage liability: $10,000 per crash.
• No-fault coverage (personal injury protection): $50,000 per person.
• Uninsured motorist coverage: at the same bodily injury limits as your liability minimum.

When you buy a new policy, New York insurers must include supplementary uninsured and underinsured motorist coverage (SUM) equal to your bodily injury liability limits unless you turn it down or choose a lower amount in a signed waiver, and they must tell existing customers about SUM at least once a year, according to the Department of Financial Services. You can show your New York insurance ID card on your phone at a traffic stop, in court or at the DMV if your insurer offers an electronic card, and the DMV doesn’t accept out-of-state insurance.

Penalties for Driving Without Insurance in New York

Your insurer reports your coverage to the DMV electronically, and the DMV acts when it ends, according to the New York DMV. If your coverage lapses for 90 days or less, you may be able to pay a daily civil penalty of $8 to $12 instead of giving up your plates, though only once every three years; otherwise your registration is suspended for as many days as you were uninsured, and after 90 days your license is suspended too. Driving without insurance can bring a traffic court fine of up to $1,500, and if you’re in a crash while uninsured, your license and registration are revoked for at least a year and you’ll owe a $750 civil penalty to get your license back.

What Changed in New York Car Insurance Law in 2026

• Injury lawsuits filed since May 26, 2026: New York’s serious-injury definition no longer includes the 90-of-180-days category, and you can’t recover if you were more at fault than the driver you’re suing, under CPLR 1411, according to the Department of Financial Services.
• From Nov. 27, 2026: insurers need approval from the Department of Financial Services before any overall rate increase. The rates on this page are as of Aug. 31, 2026, before that change takes effect.

How to Lower Your Car Insurance Rate in New York

1. Quote several insurers. Statewide, the lowest and highest insurer averages are about $348 a month apart for the same driver and car.
2. Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the five major insurers we compared in New York, about $96 and $221 a month.
3. Take a defensive driving course. New York’s Point and Insurance Reduction Program lets you complete a DMV-approved course, and the DMV says it reduces the base rate of your liability and collision premiums by 10% each year for three years.
4. Check the discounts New York requires. The state lists anti-lock brakes, daytime running lamps, passive restraints, window glass etching, electronic tracking devices and defensive driving courses among the discounts every insurer must offer, so make sure yours are on your policy.
5. Think about SUM coverage. New York’s required uninsured motorist coverage is only $25,000 per person. Supplementary uninsured and underinsured motorist coverage can match your own bodily injury liability limits, and new policies include it unless you turn it down in writing, according to the DFS.
6. Don’t let your coverage lapse. For a lapse of 90 days or less, you may be able to pay a daily civil penalty of $8 to $12, once every three years; otherwise New York suspends your registration for as many days as you were uninsured, and a lapse of more than 90 days suspends your license too.
7. Compare at every renewal. Over the past nine months, Progressive has cut its statewide average 23.5% and Allstate 4.6%, while Travelers has raised its average 6.1%, so the order in our table can shift.
8. Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
9. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check New York home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.

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How We Calculated New York Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 3,625 full-coverage premiums from five insurers across 725 New York ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at New York’s 25/50/10 minimum, with no comprehensive or collision. New York law requires $50,000 per person in no-fault coverage, also called personal injury protection; the requirements section of this page explains what it pays.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including Progressive. We also show the average without Progressive, whose prices are far below the other insurers’, so you can see how much it moves the number. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Progressive’s lead in New York is wider than that, but five of the eight published 2026 statewide New York rate studies we reviewed also rank it cheapest for full coverage, so we name it for full coverage and show the range of prices for liability-only coverage. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 New York rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from New York law and the New York State Department of Financial Services. We refresh these figures when new rate data is released.

More New York Car Insurance Breakdowns

The tables in this section come from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use them to compare places and vehicle types with each other.

Car Insurance Costs in 12 New York Cities and Towns

This analysis priced state-minimum and full coverage in 12 New York cities and towns for a single, middle-aged driver with a clean record and a used car. In it, Hempstead and New York rank as the most expensive, and Albany and Rochester as the least expensive.

New York Car Insurance Rates by County and Vehicle Type

The second table, from the same additional analysis, compares car insurance costs by vehicle type in each of New York’s 62 counties. In it, an SUV is the least expensive vehicle type to insure in every county, and the average for a coupe is about 30% higher than for an SUV.

New York Car Insurance FAQ