Auto Insurance in New York — Average Cost 2026
Average auto insurance in New York: $2,100/year ($175/month). New York ranks #45 out of 51 states — above the national average.
Average annual
$2,100
Average monthly
$175
National rank
#45
of 51 states
vs national avg
+18.0%
New York vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Why is auto insurance expensive in New York?
New York sits 18% above the national average for auto insurance, driven by factors including higher rates of uninsured drivers, dense urban traffic, frequent accident claims, and litigation costs that push insurer payouts up. The state minimum coverage requirements and local injury protection laws also shape the baseline rate.
Drivers in New York can still find competitive rates by shopping multiple insurers, maintaining a clean driving record, and considering telematics programs from Progressive or State Farm that reward safe driving with discounts of up to 30%.