The average 24-year-old in NY paid $2,431.57 for car insurance last year. However, this will no way reflect how much you pay. My best recommendation is to shop around with as many companies as possible. There are a myriad of rating factors that go into how much you pay for car insurance. In this sense, average is a difficult concept in car insurance. See here for all the rating factors that impact your rate and how to get a quote.