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What's the average cost of car insurance in New York?


Auto insurance costs an average of $3,004 per year in New York. That's more than the average across New York ($1,704) and pricier than the national average of $1,548. Our guide to New York car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!


AUTO INSURANCE COSTS: NEW YORK VS. STATE AND US AVERAGES
New York Average (annual)New York AverageUnited States Average
$3,004$1,704$1,548

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New York auto insurance rates by insurer


The difference in auto insurance rates from company to company can be substantial. In New York, GEICO offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in New York below. Use this information as a starting point and be sure to check out quotes specific to your unique driving profile.


NEW YORK CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
GEICO$2,300
Progressive$2,603
State Farm$2,995
Allstate$3,518
NYCM Insurance$5,414

Consult our expert guide to finding the best cheap car insurance.



New York auto insurance premiums by age

New York drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $2,831 per year, on average. Those in their 60s don't pay significantly more ($2,874).

Teenage drivers pay New York's most expensive auto insurance rates. When drivers hit their 20s in New York and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in New York is $5,020, the largest such difference between any two age groups.


NEW YORK AUTO INSURANCE COSTS BY AGE
Age groupAverage Annual Rate
Teenagers$8,913
20s$3,893
30s$2,990
40s$2,959
50s$2,831
60s$2,874
70s$3,246

Learn more about how age influences auto insurance rates.



New York car insurance rates by marital status and gender


Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In New York, married motorists pay $53 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in New York, single drivers pay more than those who are widowed.

Gender is another factor that can affect auto insurance rates. In New York, female drivers pay $163 per year more than do male drivers for car insurance.


NEW YORK CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$3,167
Male$3,004
Single$2,951
Married$2,951
Divorced$2,998
Widowed$2,998

Learn more about how gender and marital status have on auto insurance rates.



New York auto insurance costs by driving history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most costly citations to receive are DUI and reckless driving. New York drivers found guilty of reckless driving face insurance rate increases of $1,409 per year, compared to the citywide average. A DUI violation may lead to a $1,651 increase, while a citation for speeding leads to a $624 rate hike.


NEW YORK CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Yearly Rate
DWI/DUI$4,655
Reckless Driving$4,413
At-fault Accident (damages less than $1,000)$3,085
At-fault Accident (damages greater than $2,000)$4,006
Speeding Ticket (16-20 mph over speed limit)$3,628

Get more info on how a bad driving history can impact your car insurance costs.



New York car insurance premiums by credit score


Credit score is often closely correlated with car insurance costs. In New York, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 68% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In New York, improving your credit to "Fair" could help you earn a $4,165 decrease in annual car insurance rates.


NEW YORK CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Rate (annual)
Very Poor$7,860
Fair$3,695
Good$3,004
Very Good$2,755
Exceptional$2,509

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What raises car insurance rates in New York City?

Where you live in New York City affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately New York City is no exception to the rule. From ZIP code 10004 to 11212, premiums rise by 94 percent—that’s $2041.

Expensive New York City ZIP codes: 11208, 11203, 11236, 11233, 11212

Cheap New York City ZIP codes: 10004, 10280, 10001, 10003, 10007

New York Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In New York, you can expect 122 rainy days with an annual rainfall of 49.9 inches. New York is also known to experience severe winter storms.

122

Rainy Days a Year

50"

Avg. Annual Rainfall

25"

Avg. Annual Snowfall

Be Prepared For

Driving in NYC

2
Major Highways
I-87 I-78 I-95
2
2
Toll Roads
Robert F. Kennedy Bridge Gov. Thomas E. Dewey Thruway Marine Parkway - Gill Hodges Memorial Bridge
2
Popular Day Trips
Montauk Fire Island Cold Spring

Find Local New York City Agents

Argyle Insurance Agency, LLC

71 West 47th Street, Suite#1002, New York, NY 10036

Campbell Solberg Associates, Inc.

110 William St Rm. 2200, New York, NY 10038

Kenneth Bieber Inc

370 Lexington Ave Suite 1405, New York, NY 10017

The Magrino Agency

9729 4th Ave Ste A, Brooklyn, NY 11209

Marchetti & Sabatelli Associates, Inc.

9201 4th Ave, 2nd Floor, Brooklyn, NY 11209

2

$2,761

The average New Yorker's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

442

That's equal to 442 pieces of thin crust or $1,104 in savings

See How Much You Can Save in New York

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Recent Questions:

Are all car insurance policies the same?

This is a great question! There can be huge differences between what is offered by one company or another. Not all policies are created equal even if the coverage amounts are the same.
Jun 22, 2016 New York, NY

Am I obligated to give my insurance info after an accident if no damage was caused?

It would probably be in your best interest to provide your insurance information to avoid any potential legal issues, but I would also let their insurance company know that they had existing damage on their vehicle. Luckily, you shouldn't have to pay anything out of pocket, but the fact that you made contact with their vehicle means you will be considered at fault.
Dec 3, 2016 New York, NY

If my girlfriend and I get auto insurance together (we live together) does it matter who the main owner of the policy is?

You will both need to be listed on the insurance policy to be eligible drivers. I would put the main policyholder as whoever will be the titleholder and registering the vehicle.
Dec 22, 2019 New York City, NY

How much would insurance be for someone who just got their license and is 21 years of age?

There are many different factors that go into calculating your rate. According to our State of Insurance report, the national average premium for 21-year-olds in 2018 was $2,461 and in New York, the average premium for drivers between ages 21-29 was $2,227. We can help you look for quotes from dozens of insurers at The Zebra to help you compare and find the best rate.
May 2, 2019 New York City, NY

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.