Car insurance in New York
Drivers in New York paid $1,896 a year for full coverage in 2023, 32% above the national average. With prices up since, figure on about $2,250 today. In New York, the law asks for at least 25/50/10 liability.
What people pay in New York
A typical yearly price today
about $2,250 a year (about $190 a month)
New York's average full-coverage cost in 2023 was $1,896, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $2,250.
That makes New York the 3rd most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
New York next to its neighbors
A typical policy costs more in New York than in all five of its neighbors.
| State | Typical price, 2023 | Moving to New York from there |
|---|---|---|
| New York | $1,896 | Not a move |
| Connecticut | $1,508 | About $530 more a year |
| Massachusetts | $1,413 | About $660 more a year |
| New Jersey | $1,693 | About $280 more a year |
| Pennsylvania | $1,273 | About $850 more a year |
| Vermont | $958 | About $1,280 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance New York's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $10,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- Yes
- Uninsured motorist
- Required
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
New York is a no-fault state: after a crash, your own policy pays for your own injuries first (through personal injury protection), whoever caused it.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $1,116 in New York in 2023 (about $1,320 today, brought up the same rough way), the 2nd highest of the 50 states and DC. That's about 59% of the full-coverage price; the rest pays to fix or replace your own car.
New York requires at least $25,000 per person and $50,000 per crash for injuries ($50,000/$100,000 if someone dies), plus $10,000 for property damage. Your policy also must include $50,000 of no-fault (PIP) coverage and basic uninsured-motorist coverage; underinsured-motorist (SUM) coverage is optional.
What we couldn’t confirm: We didn't read the law that says you must carry no-fault coverage; the $50,000 figure comes from the law that defines it.
- Personal injury protection
- $50,000 per person of no-fault benefits for medical bills and lost income.
- Uninsured and underinsured motorist
- Uninsured motorist coverage is required: $25,000 per person for injury ($50,000 for death) and $50,000 per crash for injury ($100,000 for death). Extra coverage for uninsured and underinsured drivers ("SUM") is optional, up to your injury liability limits ($250,000/$500,000 at most).
- Checked
- September 22, 2026
A new teen driver in New York
Adding a 16-year-old to a typical policy
about $1,480 more a year
About $125 a month, on one average car with full coverage. The whole policy with the teen: roughly $2,800–$4,950 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $6,450 a year in New York (roughly $4,900–$9,200).
What adding a teen costs comes from California's published prices, so the range is wide, and New York may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In New York, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $1,320 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $2,230 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$1,320 a year | $5,750 a year |
| 2022 Subaru Outback | +$1,330 a year | $5,770 a year |
| 2022 Subaru Crosstrek | +$1,330 a year | $5,790 a year |
| 2022 Honda CR-V | +$1,420 a year | $6,190 a year |
| 2022 Toyota RAV4 | +$1,450 a year | $6,290 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in New York (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: New York's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.