New York City Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, car insurance in New York City averages about $448 a month ($5,376 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 56% above the New York average of $288 a month. Progressive has the lowest full-coverage average of the five major insurers we compared (Allstate, GEICO, Progressive, State Farm and Travelers), at about $129 a month.

One insurer pulls the New York City average down: Progressive’s full-coverage average for our driver is about $129 a month here. Without Progressive, the other four major insurers we compared average about $528 a month, compared with $448 with it.

New York City costs far more to insure than the rest of the state. Our benchmark driver pays about $160 a month more here than the New York average, and all five boroughs rank among the six most expensive of the 59 counties we price. For prices outside the city, our guide to New York car insurance quotes compares all 489 cities and towns we price.

Our data covers 174 ZIP codes across the five boroughs. Brooklyn and the Bronx average about $502 and $500 a month for full coverage, while Staten Island averages $350.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 174 ZIP codes in the five boroughs, 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 NYC? Average New York City Rates

For full coverage, New York City drivers pay about $448 a month ($5,376 a year) on average. That is for a 40-year-old driver with a clean record, using rates insurers had filed with state regulators as of Aug. 31, 2026. The average for liability-only coverage at New York’s 25/50/10 minimum is about $260 a month.

Full coverage in New York City averages $5,376 a year, or about $448 a month, for our benchmark driver. Liability-only coverage at New York’s 25/50/10 minimum averages $3,118 a year ($260 a month), and 50/100/50 liability with comprehensive and collision averages $4,974 ($415 a month).

• Full coverage (100/300/100, $500 deductibles): $5,376 a year ($448 a month)
• 50/100/50 with $500 deductibles: $4,974 a year ($415 a month)
• Liability only (25/50/10): $3,118 a year ($260 a month)
• Without Progressive: $6,332 a year ($528 a month) for full coverage
• Boroughs: from $350 a month in Staten Island to $502 in Brooklyn for full coverage
• New York average: $3,457 a year ($288 a month) for full coverage
• ZIP code range: $317 (10017) to $613 (11212) a month for full coverage

Cheap Car Insurance in New York City: Companies Compared

• Lowest average in our data, full coverage: Progressive, at about $129 a month ($1,552 a year).
• Next lowest among the five major insurers we compared: GEICO, at about $327 a month, then Allstate and State Farm, effectively tied at $542 and $547.
• Liability only (25/50/10): about $62 to $406 a month across the five insurers.
• Also on our list: USAA at about $257 a month, NYCM Insurance at $341 and Erie Insurance at $407 (USAA sells only to military families).
• Most expensive in our data: Travelers, at about $695 a month.

Progressive has the lowest full-coverage average among the five insurers in our New York City 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 $62 to $406 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.

This table uses New York City ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.

New York City Car Insurance Rates by Borough

Brooklyn is the most expensive borough in our data, at about $502 a month for full coverage, followed closely by the Bronx at $500. Queens averages $466, Manhattan $372 and Staten Island $350, the least expensive borough.

New York City Car Insurance Rates by ZIP Code

Across the 174 New York City ZIP codes we price, full coverage for our driver ranges from about $317 a month in 10017 to $613 in 11212, a gap of $3,545 a year. Midtown Manhattan’s 10017 is the least expensive ZIP code in our New York City data, and Brownsville’s 11212, in Brooklyn, the most expensive.

Search the table for your ZIP code. The last column shows how far each ZIP code is above or below New York City’s average.

See What You’d Pay in New York City

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How Much More Does Better Coverage Cost in New York City?

Raising liability limits from 50/100/50 to 100/300/100 adds about $402 a year on average in our New York City data, with the same $500 deductibles. That’s about $34 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. Our prices stop at 100/300/100 liability, so if you want higher liability limits, compare quotes at the limits you need.

Is Car Insurance Going Up in New York City?

It depends on the insurer. Comparing the same insurers in the same New York City ZIP codes, full coverage averaged $5,407 a year nine months earlier and $5,376 in rates as of Aug. 31, 2026, a 0.6% drop, but only because Progressive cut its New York City average 25.7%. The other four insurers’ average rose 1.5%: Travelers raised its average 9.8% and Allstate cut its 5.3%, while GEICO’s and State Farm’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 2.7%, led by Allstate, which cut its liability-only average 13.5%.

Why Is Car Insurance So Expensive in New York City?

Insurers price each territory on the claims they expect there, and the city’s territories carry the highest prices in our New York data. Kings County (Brooklyn) and Bronx County are the two most expensive of the 59 New York counties we price, and Queens is third. Outside the five boroughs, prices fall sharply: our guide to cheap car insurance in New York shows Monroe County, home to Rochester, averaging about $176 a month.

Where you park matters within the city, too. Full coverage runs from about $317 a month in Midtown Manhattan’s 10017 to $613 in Brooklyn’s 11212, but the insurer matters even more: Travelers’ city average is about $566 a month above Progressive’s for the same driver and car. From Nov. 23, 2026, a state law bars insurers from using the ZIP code where your car is garaged as the sole basis for your rate, though they can still group neighboring ZIP codes into territories.

How New York City Car Insurance Compares With Other New York Areas

Yonkers, just north of the Bronx, averages $341 a month, and the Town of Hempstead, just east of Queens, averages $400. Our guide to New York auto insurance quotes covers the rest of the state, from Long Island to Buffalo.

What Car Insurance Is Required in New York City?

Drivers in New York City follow New York’s rules. Every policy must include at least:

• Bodily injury liability of $25,000 per person and $50,000 per crash, or $50,000 and $100,000 when the injuries result in death
• Property damage liability of $10,000 per crash
• No-fault coverage (personal injury protection) of $50,000 per person, which pays your own medical bills and lost earnings after a crash no matter who caused it
• Uninsured motorist coverage at the same $25,000 and $50,000 bodily injury limits

Our New York requirements guide covers no-fault benefits, optional coverage, the 2026 law changes and the penalties for driving uninsured.

How to Lower Your Car Insurance Rate in New York City

1. Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the five major insurers we compared in New York City, about $129 and $327 a month.
2. Quote several insurers. In our New York City data, the lowest and highest insurer averages are about $566 a month apart for the same driver and car.
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. 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.
5. Compare at every renewal. Over the past nine months, Progressive has cut its New York City average 25.7% and Allstate 5.3%, while Travelers has raised its average 9.8%, so the order in our table can shift.
6. 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 car insurance 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 your deductible works.
7. Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in New York, then compare free home insurance quotes.

Compare New York City Car Insurance Quotes

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How We Calculated New York City 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: 870 full-coverage premiums from five insurers across 174 New York City ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Area: the five boroughs, using the ZIP codes in Bronx, Kings (Brooklyn), New York (Manhattan), Queens and Richmond (Staten Island) counties. Each ZIP code counts once, in its county’s borough.
• 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.

New York City Car Insurance FAQ