New York Car Insurance Calculator
Calculate your auto insurance cost in New York. Compare with state averages and find savings.
$2,321
Avg Annual Premium
25/50/10
Min Liability
Monthly Avg
$193
Full Coverage
$2,989
Min Coverage
$756
Uninsured Rate
6.1%
New York Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$10,000
Additional Requirements
PIP RequiredYes ($50,000 min)
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in New York
NYC trafficNo-fault stateHigh population densityExpensive repairs
Major Metro Areas in New York
New York CityBuffaloRochesterYonkersSyracuseAlbany
FAQ
New York Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in New York
The average annual car insurance premium in New York is $2,321, or about $193 per month. Full coverage averages $2,989 annually, while minimum coverage averages $756. Your actual rate depends on your age, driving record, vehicle, and coverage level.
New York requires minimum liability coverage of 25/50/10 ($25,000/$50,000 for bodily injury and $10,000 for property damage). New York also requires Personal Injury Protection (PIP) with a minimum of $50,000. Uninsured motorist coverage is also required.
Key factors affecting New York car insurance rates include: NYC traffic, No-fault state, High population density, Expensive repairs. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 6.1% of drivers in New York are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your New York car insurance: 1) Compare quotes from multiple insurers like GEICO, State Farm, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in New York include: GEICO, State Farm, Progressive, Allstate, Liberty Mutual. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
NY Insurance Costs
Average premiums in New York:
- Annual Average$2,321
- Monthly Average$193
- Full Coverage$2,989
- Minimum Coverage$756
NY Requirements
Minimum coverage required:
- Liability25/50/10
- PIP RequiredYes
- UM RequiredYes
- Uninsured Rate6.1%
Top NY Insurers
Popular insurance companies:
- •GEICO
- •State Farm
- •Progressive
- •Allstate
- •Liberty Mutual