What's the Average Cost of Car Insurance in New York?

The Zebra
Feb. 7, 2019

Car insurance is expensive in New York. The average car insurance premium in New York is $1,582 per year — nearly 11% more than the national average.

Your auto insurance rates are affected by factors aside from geography. Auto insurance premiums price based on an array of considerations, such as a driver's marital status, driving history, credit rating, gender, and age.

We analyzed average New York auto insurance rates by each of the most common rating factors. Continue reading to learn how much auto insurance costs in each location — or enter your zip code to see personalized quotes from top insurance companies.


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Average New York auto insurance costs by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Mean Auto Insurance Premiums in New York by Age Group

It's a common phenomenon: as you age, your auto insurance expenditures shift. Typically, auto insurance is more costly for teenage drivers, as car insurers see inexperienced drivers as more risky.

In New York, car coverage costs $5,370 annually for a 16-year-old driver, and only $1,347 per annum for a client in their 50s.


NEW YORK CAR INSURANCE COSTS BY AGE
AgeAverage Annual Premium
16$5,369.60
17$5,542.77
18$4,509.16
19$3,368.45
20s$1,898.06
30s$1,436.29
40s$1,391.62
50s$1,347.40
60s$1,389.33
70s$1,541.22

If you're shopping for car insurance for a teen driver, New York is the 14th cheapest state in which to buy auto insurance for a 16-year-old.




Average Car Insurance Costs in New York by Gender

While gender doesn’t have as significant an impact on car insurance prices as a driver's location or age, it is used as a rating factor by car insurance companies.


NEW YORK AUTO INSURANCE RATES FOR WOMEN AND MEN
GenderAverage Annual Rate
Male$1,443.92
Female$1,467.38

If you think about getting the best possible value with your present auto insurance company, the best course of action is to compare offerings from a variety of insurance companies.




Average Auto Insurance Premiums in New York by Marital Status

A pro of marriage — aside from the wedding gifts — is the price cut you tend to receive on your car insurance policy. In New York, married drivers save $45 per year on auto insurance. This is less than the national average of $76.


NEW YORK CAR INSURANCE RATES BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,443.92
Married$1,399.06
Divorced$1,424.47
Widowed$1,424.47

Auto insurance for divorced drivers in New York is the 17th most expensive in the nation. If you're overpaying for your car insurance, don't hesitate to shop around. You could save big!


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Average Auto Insurance Costs in New York by Credit History

Car insurers use credit history to gauge the reliability of a prospective customer. Historical data demonstrate motorists who carry superior credit are more dependable car insurance customers: they less commonly file claims for which insurance companies pay.

In New York, a motorist with excellent credit saves $1,571.86 per year in auto insurance premiums, compared to a driver saddled with a poor credit history. Read more about how credit score affects auto insurance expenditures:


NEW YORK AUTO INSURANCE RATES BY CREDIT
Credit TierAverage Annual Rate
Very Poor (300-579)$2,875.31
Fair (580-669)$2,278.99
Good (670-739)$1,832.53
Very Good (740-799)$1,511.33
Exceptional (800-850)$1,303.45

Finding affordable auto insurance with a bad credit history can be difficult. But we're here to help. Read our tips on getting auto insurance with bad credit and save!




Average Car Insurance Costs for High-Risk Drivers in New York

If you’re found at fault after a driving incident or convicted of a driving infraction, your insurance rates are bound to grow. The more violations you accumulate, the more expensive your car insurance gets.

In New York, your first minor at-fault accident will lead to an extra -$70.41 per year in auto insurance premiums. A DUI — thought of as one of the most serious driving infractions — can raise your yearly insurance rates in New York by as much as $645.79.


NEW YORK AUTO INSURANCE PRICES AFTER OFFENSES
AgeAverage Yearly Rate
DUI or DWI$2,228.20
Reckless Driving$2,524.08
At-Fault Accident (<$1,000)$1,512.00
At-Fault Accident ($1,000-$2,000)$1,993.83
At-Fault Accident (>$2,000)$1,940.49
Open Container$1,553.91
Speeding (21-25 MPH > limit)$1,581.02
Speeding (16-20 MPH > limit)$1,581.02

If you're facing above-average auto insurance costs, consider weighing rates to find reasonably priced insurance coverage that meets state regulations.




Average Car Insurance Costs by Coverage Level in New York

The amount you're charged each month for car insurance depends on how much protection you choose. Liability-only coverage generally is less expensive, while low-deductible comprehensive coverage costs more. In New York, the rate disparity between liability-only coverage and comprehensive coverage with a $500 deductible is $803.


NEW YORK CAR INSURANCE PREMIUMS BY COVERAGE
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$1,092
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,730
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,895
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$983
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,621
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,786
State Minimum — Liability Only$887
State Minimum — $1,000 Comprehensive/Collision$1,525
State Minimum — $500 Comprehensive/Collision$1,690

If you're facing above-average car insurance payments, think about getting quotes to get inexpensive insurance coverage that covers your vehicle appropriately.