Location: Premiums vary by ZIP code; areas in New York, NY with higher crime or more uninsured drivers (like 10029 or 10451) tend to see higher rates than safer neighborhoods.
Car Insurance in New York, NY
- Progressive offers the cheapest car insurance in New York at $242/mo.
- Compare and save on auto insurance in or near New York, NY with The Zebra.
Enter your ZIP code to start your search:
Car Insurance in New York, NY
- Progressive offers the cheapest car insurance in New York at $242/mo.
- Compare and save on auto insurance in or near New York, NY with The Zebra.
Enter your ZIP code to start your search:
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Reviewed By Beth Swanson
Edited By Kristine Lee
How much does car insurance cost in New York?
The cost of auto insurance in New York is around $2,546 for a six-month policy or $424 per month on average. In 2025, Progressive offers New York's lowest full coverage rates at $242 per month.
NYC rates are significantly higher than the New York state average of $1,231, as well as the national average of $1,084.
Car insurance quotes in New York
New York drivers in and near New York saved money on car insurance recently using The Zebra:
$
76
/mo
Our licensed agents guided a driver in West Lafayette, IN find this smart deal on their Chevrolet Cruze with Root Insurance.
$
75
/mo
Our licensed agents guided a driver in Elmhurst, IL find this smart deal on their Volkswagen Atlas Cross Sport with Safeco.
$
70
/mo
Drivers in Marion, IL are getting smart deals on Mazda Mazda2 coverage from The General.
$
47
/mo
Our licensed agents guided a driver in Boalsburg, PA find this smart deal on their Toyota Pickup with AAA.
$
65
/mo
Drivers in Herndon, VA are getting smart deals on Cadillac SRX coverage from Clearcover.
$
80
/mo
Our licensed agents guided a driver in Cedar Rapids, IA find this smart deal on their Honda Pilot with Liberty Mutual.
*Quotes generated for The Zebra users within the last 10 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheap liability and full coverage auto insurance in New York
In 2025, Progressive offers New York's lowest full coverage rates at $242 per month.
Full coverage car insurance usually includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 40% of New York drivers carry only basic coverage, which is okay for meeting the legal requirement, but it may leave you financially vulnerable after a crash.
You can also add options like roadside assistance or uninsured motorist coverage. They add a small cost but can save you from expensive out-of-pocket bills later, which we think makes them worth considering.
Source: The Zebra
Agent insight: Do Manhattan residents have trouble getting coverage, or is there an option other than traditional insurance?
"For Manhattan specifically, insuring a car is going to be tough. I know that certain carriers refuse to insure certain vehicles, like a Lexus, for example. So, I could see a lot of those residents going without car insurance and opting for Uber, Lyft, or something similar. If you don't have a car, you could consider a non-owner policy."
-Amber Vigil, Licensed Agent at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in New York.
Are you paying too much for auto insurance?
Car insurance rates after an accident in New York
In New York, an at-fault accident can raise your car insurance by $888 for a 6-month policy. Progressive offers the lowest average rates after an accident, with Travelers as the second-best option for drivers.
Maintaining a good driving record is the best way to avoid these increases. Premiums usually go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though major violations like DUIs can affect your rates even longer.
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $2,996 | $0 |
| One comp claim | $3,029 | $33 |
| Speeding 16 - 20 MPH over limit | $3,497 | $501 |
| At-Fault Accident | $3,883 | $888 |
| DUI | $4,630 | $1,634 |
| Leaving scene of an accident/hit and run | $4,670 | $1,674 |
Source: The Zebra
Why is car insurance in New York so expensive?
New York drivers pay higher rates due to a mix of local risks, weather, and driving trends.
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-
Weather: Winter storms, floods, and other severe weather raise repair costs and insurer risk, driving up premiums across the region.
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Drivers: With more traffic and about 27% of drivers uninsured, even safe drivers pay more to offset local accident and claim costs.
- Population:Â Manhattan, Brooklyn, and Queens have extremely congested roads, increasing accident risk.
New York drivers' individual car insurance rates are determined by insurers based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Some rating factors may change over time, so getting new quotes regularly can help drivers determine whether they are still receiving the best rates for their coverage needs.
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New York car insurance FAQs:
Questions from New York drivers:
Other people are also asking...
Do I have to file a claim with my insurance even when I'm not at fault?
I would not recommend speaking with your insurance company unless the other driver refuses to pay for the damages. Because you have the police report and hopefully the other driver's insurance information, you should call their insurance company and begin the claims process. If you do not have…
How can an insurance company add an accident to your record that never happened?
I would contact the insurance company that listed the claim and start a dispute. They really shouldn't be able to put you down for this claim. I imagine it was an error made on their part if it wasn't even your insured vehicle. If the company is uncooperative, you may want to dispute it w…
Why does Allstate count hail damage against you?
It might feel unfair, but yes, insurance companies like Allstate can decide not to renew your policy, even for things like hail damage. The bottom line is that insurance companies are businesses, and if your overall claims history signals too much risk, they may decide it’s no longer profitable to …
Should I be worried about a winter driving claim with Travelers?
I don’t blame you for being cautious after your last experience! With Travelers, most people find the claims process smoother than average. You can report a claim anytime online or by phone, and they usually get an adjuster assigned quickly. A lot of drivers also like their ConciergeCLAIM repair pr…
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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 editorial 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.