How Much Does Car Insurance Cost in New York City?


New York City premiums, which exceed the state average by 65%, are recognized for being pricey. Therefore being knowledgeable about premiums while insuring a vehicle in New York is crucial. We've analyzed how auto insurance rates in New York compare to costs nationwide.


CAR INSURANCE RATES: NEW YORK VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$2,613$1,582$1,427


NYC Auto Insurance by Marital Status and Gender


In New York, both marital status and gender play a role in your car insurance premiums. On average, females have premiums that are 3% more expensive than those for males. You spend 2% more per year if you're single as opposed to married. Rates between those who are widowed and those who are divorced do not vary. Both groups of drivers pay slightly less than singles.


NEW YORK CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$2,702
Male$2,613
Single$2,613
Married$2,565
Divorced$2,582
Widowed$2,582


New York City Car Insurance for Drivers With At-Fault Accidents or Violations


Do you know by how much an at-fault accident or violation can raise your car insurance rates? Reckless driving will increase your car insurance premiums more than other driving violations. In New York, drivers with a DUI need to spend 58% more than the city average to insure their vehicle. Reckless driving will also bump your rates up, with average rates of $4,767, which are 82% higher than the city average! The amount of damage that results from an at-fault accident influences insurance rates. Compared to at-fault accidents with damages less than $1,000, accidents with damages exceeding $2,000 cost you another 29% per year in premiums.


AVERAGE NEW YORK INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$4,123
Reckless Driving$4,767
At-fault Accident (damages less than $1,000)$2,721
At-fault Accident (damages greater than $2,000)$3,506
Speeding Ticket (16-20 mph over speed limit)$3,013


New York Auto Insurance by Credit Score


People with Very Poor credit (300-579) normally pay 2.3x more each year for car insurance than those with Exceptional credit (800-850). Drivers can save nearly $1,220 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).


NEW YORK AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Car Insurance Rate
Very Poor$5,492
Fair$4,272
Good$3,389
Very Good$2,749
Exceptional$2,338


New York Auto Insurance Costs by Age

In New York, drivers see the biggest decrease in premiums when they reach their 20s, as they save an average of $5,070 from moving out of the teenage age range. The first time drivers can anticipate their age to trigger a rise in rates is when they turn 60. At $2,462, drivers in their 50s have the lowest payments among any age group. People in their 40s ($2,519) and 60s ($2,545) also have relatively low premiums. With car insurance payments of $8,494 on average, teenage drivers have the most expensive rates of any age group.


NEW YORK AUTO INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$8,494
20s$3,425
30s$2,601
40s$2,519
50s$2,462
60s$2,545
70s$2,824


What drives up car insurance rates in New York?

Where you live in New York 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 is no exception to the rule. From zip code 10004 to 11212, premiums rise by 94 percent—that’s $2041.

Expensive New York Zip Codes: 11208, 11203, 11236, 11233, 11212

Cheap New York Zip Codes: 10004, 10280, 10001, 10003, 10007

New York Driving Conditions

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

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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 Agents

Argyle Insurance Agency, LLC

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

The Magrino Agency

9729 4th Ave Ste A Brooklyn, NY 11209

Marchetti & Sabatelli Associates, Inc.

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

Campbell Solberg Associates, Inc.

110 William St New York, NY 10038

Kenneth Bieber Inc

370 Lexington Ave New York, NY 10017

See All

Not sure about New York

Check out these other New York cities...

Buffalo

2

$2,761

The average New Yorker's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

_icon-city-pizza

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:

New York Car Insurance

Who pays for hit and run damage if there’s no UMPD coverage in NY?

Jan 21, 2019

I just moved to NY from NJ. I just realized they don’t offer Uninsured Physical Damage coverage as we did ...

What is acceptable proof of MVAIC?

Jan 19, 2019

I am filing a claim to MVAIC. How do I prove that there is no other available insurance that would ...

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New York Car Insurance

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