Average Car Insurance Cost in New York
Full-coverage car insurance in New York averages about $3,600 a year ($300/mo). See how it compares to the national average.
Buying a $30,000 car in New York
*$3,000 down, 7% APR, 60 months, tax rolled into the loan.
New York's combined rate depends on your county, often about 8-8.9%.
These are estimates for planning. Rates and fees change and vary by county and vehicle — confirm with your state motor vehicle agency.
Frequently asked questions
How much is car insurance in New York?
Full coverage averages about $3,600 a year, or $300 a month. Minimum coverage costs much less, and your own rate depends on your age, record, ZIP code and car.
Is New York car insurance more expensive than average?
Yes — the national average across states is about $2,386 a year, so New York is above average.
How can I lower my car insurance?
Compare quotes every year, raise your deductible, bundle with home or renters insurance, and choose a car that's cheaper to insure. AutoCost AI estimates insurance for any car you analyze.