Car Insurance in New York, NY
- Progressive offers the cheapest car insurance in New York at $218/mo.
- Compare and save on auto insurance in or near New York, NY with The Zebra.
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About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
How much does car insurance cost in New York?
The cost of auto insurance in New York is around $3,146 for a six-month policy or $524 per month on average. In 2026, Progressive offers New York's lowest full coverage rates at $218 per month.
NYC rates are significantly higher than the New York state average of $1,313, as well as the national average of $1,163.
- Progressive offers the cheapest full coverage rates in New York at $218/mo. For minimum coverage, Utica National Ins Group is the cheapest option at $218/mo.
- Car insurance in New York is so expensive primarily because of destructive weather events, heavy traffic congestion, and a high rate of uninsured drivers.
- An at-fault accident in New York can cause rate hikes of up to $888.
Cheap liability and full coverage auto insurance in New York
In 2026, Progressive offers New York's lowest full coverage rates at $218 per month. If you're looking for minimum liability coverage, start your journey with at .
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.
Source: The Zebra
"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
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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.
1. Weather
Winter storms, floods, and other severe weather raise repair costs and insurer risk, driving up premiums across the region.
2. Population density
Manhattan, Brooklyn, and Queens have extremely congested roads, increasing accident risk.
3. Uninsured drivers
With more traffic and about 27% of drivers uninsured, even safe drivers pay more to offset local accident and claim costs.
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.
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.
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
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*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
New York car insurance FAQs:
Questions from New York drivers:
Does State Farm cover rodent damage to my car's electrical wiring through comprehensive coverage?
Do I have to tell my car insurance company about my lien?
Are my seats covered from damage caused by a rat?
How can an insurance company add an accident to your record that never happened?
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.
