Short answer: car insurance in New York depends on your ZIP code, coverage level and driver/home profile. New York's state minimum car insurance is 25/50/10. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in New York is about $1,753 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
New York car insurance basicsNew York is a
no-fault state for auto insurance. Minimum car insurance in New York:
25/50/10 — $25k bodily injury/person, $50k/accident, $10k property damage. Statewide average premium:
~$1,753/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in New York
New York car insurance FAQ
How much is car insurance in New York?
The average annual car insurance premium in New York is about $1,753 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in New York?
Compare multiple carriers, bundle policies, and check local New York discounts. Get free quotes in a couple of minutes.
Also compare home insurance in New York →