How much is car insurance in New York?
Full-coverage car insurance in New York averaged $1,896 a year in 2023 (NAIC)—32% above the $1,439 US average and 3rd highest in the US—which works out to about $2,250 a year in New York today (about $190 a month, brought to August 2026 with the federal price index). In New York, the law asks for at least 25/50/10 liability, and New York's 2023 liability-only average—the closest NAIC figure to a minimum policy—was $1,116 (about $1,320 today).
What people pay in New York: 3rd highest average in the US
Typical New York full-coverage price today
about $2,250 a year in New York (about $190 a month)
New York's 2023 NAIC full-coverage average ($1,896) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your New York rate depends on your car, driving history, and coverage limits.
That $1,896 2023 full-coverage figure makes New York the 3rd most expensive of the 50 states and DC (against $1,439 nationally), with 59% going to liability ($1,116, 2nd highest in the US) and 41% covering physical damage to your own vehicle. Across all insured vehicles in New York (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $1,753 (3rd highest in the US, about $2,080 today)—only 8% ($143) below New York's $1,896 full-coverage benchmark.
New York costs more to insure than Connecticut, Massachusetts, New Jersey, and 2 more bordering states
A typical full-coverage policy in New York ($1,896 in 2023) costs more than in all five bordering states. Among New York's neighbors, Vermont had the lowest 2023 average ($958, moving to New York is about $1,250 more a year) and New Jersey had the highest ($1,693, moving to New York is about $270 more a year).
| State | 2023 average | Moving to New York from there |
|---|---|---|
| New York | $1,896 | Current state (New York) |
| Connecticut | $1,508 | About $520 more a year |
| Massachusetts | $1,413 | About $650 more a year |
| New Jersey | $1,693 | About $270 more a year |
| Pennsylvania | $1,273 | About $830 more a year |
| Vermont | $958 | About $1,250 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: District of Columbia ($1,818 in 2023, about $2,150 today), Louisiana ($1,983 in 2023, about $2,350 today), Florida ($1,994 in 2023, about $2,360 today), and Georgia ($1,746 in 2023, about $2,070 today).
New York: 25/50/10 minimums and no-fault PIP rules
- New York liability (per person / per crash / property)
- $25,000 / $50,000 / $10,000
- Personal injury protection (PIP) in New York
- Required
- Medical payments in New York
- Not required
- No-fault system in New York
- Yes
- Uninsured motorist in New York
- Required
- Underinsured motorist in New York
- Not required
Set by N.Y. Veh. & Traf. Law 311(4), New York's 25/50/10 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $10,000 for others' property—the legal floor in New York, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
New York is a no-fault state: after a crash, your own New York policy pays for your medical bills first through personal injury protection (PIP), regardless of who caused the crash.
Liability-only coverage in New York—the closest NAIC figure to what a New York minimum policy costs—averaged $1,116 in 2023 (about $1,320 in New York today), the 2nd highest of the 50 states and DC. That makes liability 59% of New York's full-coverage average ($1,896), while the remaining 41% goes toward collision and comprehensive coverage for 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).
- History and recent checks
- No 2024-2026 change found in VTL 311 as published by the NY Senate. Death limits are higher: $50,000 per person and $100,000 per crash.
- Checked
- September 22, 2026
- Sources
- N.Y. Veh. & Traf. Law 311(4)
twenty-five thousand dollars because of bodily injuries to and fifty thousand dollars because of death of one person ... a limit of ten thousand dollars because of injury to or destruction of property
- NY Department of Financial Services, "How much auto insurance must I carry?" (plain-language fallback)
a minimum amount of liability insurance of $25,000 for bodily injury to one person, $50,000 for bodily injury to all persons, and $10,000 for property damage in any one accident. Mandatory "no-fault" coverage of $50,000 is also required.
- N.Y. Veh. & Traf. Law 312
No motor vehicle shall be registered in this state unless the application for such registration is accompanied by proof of financial security
- N.Y. Ins. Law 3420(f)
(f)(1) No policy ... shall be issued ... unless it contains a provision ... twenty-five thousand dollars ... (2)(A) Any such policy shall, at the option of the insured, also provide supplementary uninsured/underinsured motorists insurance
- N.Y. Ins. Law 5102
"Basic economic loss" means, up to fifty thousand dollars per person ... "Serious injury" means a personal injury which results in death; dismemberment; significant disfigurement; a fracture
- N.Y. Veh. & Traf. Law 311(4)
Adding a 16-year-old driver in New York: about $1,480 more a year
Adding a 16-year-old to a New York policy
about $1,480 more a year
About $125 a month (+66% over a typical New York adult policy of $2,250), bringing the combined New York family policy to roughly $2,800–$4,950 a year.
On a separate New York policy of their own with the same car, a 16-year-old in New York would pay about $6,450 a year (roughly $4,900–$9,200), so sharing a parent's New York policy saves about $4,960 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to New York's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in New York
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 on a New York policy, compared with about $2,230 more a year for the 2022 Tesla Model 3 in New York.
| 2022 model | Added to a New York policy | Own New York policy |
|---|---|---|
| 2022 Subaru Forester | +$1,320 in New York | $5,750 in New York |
| 2022 Subaru Outback | +$1,330 in New York | $5,770 in New York |
| 2022 Subaru Crosstrek | +$1,330 in New York | $5,790 in New York |
| 2022 Honda CR-V | +$1,420 in New York | $6,190 in New York |
| 2022 Toyota RAV4 | +$1,450 in New York | $6,290 in New York |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in New York
In New York, a 45-year-old with full coverage pays from about $2,140 a year for a 2024 Subaru Forester to about $2,650 for a 2024 Kia Sportage on these New York sample models.
| Car | 45-year-old in New York | Adding a teen in New York |
|---|---|---|
| 2024 Hyundai Kona | about $2,380 a year | +$1,570 a year |
| 2024 Toyota RAV4 | about $2,320 a year | +$1,530 a year |
| 2024 Honda CR-V | about $2,290 a year | +$1,510 a year |
| 2024 Subaru Forester | about $2,140 a year | +$1,410 a year |
| 2024 Subaru Outback | about $2,140 a year | +$1,410 a year |
| 2024 Mazda CX-5 | about $2,350 a year | +$1,550 a year |
| 2024 Hyundai Tucson | about $2,440 a year | +$1,610 a year |
| 2024 Kia Sportage | about $2,650 a year | +$1,750 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in New York
- How much is car insurance in New York?
- In New York, full-coverage car insurance averaged $1,896 a year in 2023 (the 3rd most expensive of the 50 states and DC per NAIC), or about $2,250 a year ($190 a month) in New York as of August 2026. New York liability-only coverage averaged $1,116 in 2023 (59% of New York's full-coverage figure, or about $1,320 today), and New York drivers spent $1,753 per insured car across all policies.
- What are the minimum car insurance limits in New York?
- Under N.Y. Veh. & Traf. Law 311(4), New York requires 25/50/10 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $10,000 for property damage. No 2024-2026 change found in VTL 311 as published by the NY Senate. Death limits are higher: $50,000 per person and $100,000 per crash.
- How much does adding a 16-year-old teen driver cost in New York?
- Adding a 16-year-old to a parent's full-coverage policy in New York adds about $1,480 more a year ($125 a month), bringing the New York household policy to roughly $2,800–$4,950 a year versus about $6,450 a year (roughly $4,900–$9,200) on a standalone New York teen policy.
- Is New York a no-fault car insurance state?
- Yes—New York uses no-fault auto insurance rules, so your own New York personal injury protection (PIP) pays your medical bills first after a crash regardless of fault. $50,000 per person of no-fault benefits for medical bills and lost income.
- How does New York's car insurance cost compare with Connecticut?
- New York averaged $1,896 for full coverage in 2023 (NAIC) against $1,508 in Connecticut (26% more than Connecticut), and moving a sample policy from Connecticut to New York today is about $520 more a year. Other bordering states averaged $1,413 in Massachusetts, $1,693 in New Jersey, $1,273 in Pennsylvania, and $958 in Vermont in 2023.
Sources for New York
- New York average premiums ($1,896 full coverage, $1,116 liability-only, $1,753 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- New York minimum coverage statutes (N.Y. Veh. & Traf. Law 311(4); NY Department of Financial Services, "How much auto insurance must I carry?" (plain-language fallback); N.Y. Veh. & Traf. Law 312; N.Y. Ins. Law 3420(f); N.Y. Ins. Law 5102), checked September 22, 2026. Page updated for New York. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.