- New York car insurance rates average $2,752 per year for full coverage, or about $229 on a monthly basis.
- When compared to other states in the northeastern U.S., New York ranks last out of 11 states for car insurance affordability and ranks 45th out of all 50 U.S. states.
- Cheap car insurance in New York tends to be found on compact SUVs like the Subaru Crosstrek, Nissan Kicks, Kia Soul, and Buick Envision.
How much does car insurance cost in New York?
Average car insurance cost in New York is $2,752 per year, or about $229 per month, for a full-coverage policy. That is 21.4% more than the national average rate of $2,221.
Average rates on some of the most popular vehicles in New York include the Chevy Silverado pickup at $3,044 per year, the Toyota RAV4 compact SUV at $2,538 per year, and the Ford F-150 pickup at an average of $3,080 per year.
Compact SUVs tend to dominate the rankings of the overall cheapest vehicles to insure in New York, with Nissan Rogue insurance costing $2,474 per year, Honda CR-V insurance costing $2,346 per year, and Ford Edge insurance averaging $2,600 annually.
Luxury car models like the Mercedes-Benz C300, the BMW 330i, and the Lexus ES 350 cost an average of $3,040, $2,802, and $2,872 per year, respectively, for full-coverage car insurance.
The chart below shows average New York car insurance cost with different driver ages and policy deductibles.
Average car insurance cost per month in New York from the chart above ranges from $161 to $537 per month. Teenage drivers are not included in the rates above, but average insurance rates for teen drivers in New York range from $6,550 per year for a 19-year-old female driver up to $9,800 per year for a 16-year-old male driver.
How does New York car insurance cost compare?
When compared to surrounding states, New York car insurance costs 31.7% more than Vermont, 4.4% more than Massachusetts, 2.9% more than Connecticut, 3.3% less than New Jersey, and 13.4% more than Pennsylvania.
When compared to states outside the northeast region, the average cost of car insurance in New York is 3.2% cheaper than in California, 0.1% cheaper than Florida, and 15.8% higher than the state of Texas.
Here’s an example that illustrates the difference in insurance cost on a Honda Civic between New York and New Jersey, Michigan, and Florida. The average cost to insure a Honda Civic in New York is $2,436 per year for a policy with full coverage. In New Jersey, the same Honda Civic would cost around $2,514, but in Michigan the cost would be $2,532 and in Florida the Civic would cost $2,440 per year.
So even though New York has cheaper car insurance rates than New Jersey, it’s neighbor to the south, you’ll pay even more if you live in states like Michigan, Louisiana, Florida, or even Rhode Island.
The chart below shows how average New York car insurance rates compare to the other 10 states in the northeastern part of the U.S. The state of New York ranks ninth overall in the northeast for car insurance affordability, but it could be worse. You could live in Rhode Island.
Which cities have cheap car insurance in NY?
The cheapest cities for car insurance in the state of New York include Elmira, Binghampton, Watertown, Jamestown, and Rochester. Other areas that rank favorably include Schenectady, Rome, Troy and Albany.
The average cost of car insurance in these areas ranges from around $1,000 per year to just under $1,300 a year, which is about $84 to $108 per month on average.
Your location is one of the most important factors that determines the price you pay for car insurance in New York, but it’s not the only one. The type of vehicle you drive, your driving record, your age and gender, and your financial responsibility all factor into the final policy price.
The next section details average car insurance quotes in NY by vehicle segment. This will give you a good idea of the types of vehicles that have the overall cheapest insurance rates. Following the insurance rates by segment section, we will show you the cars, pickup trucks, and SUVs that are cheapest to insure in New York.
New York car insurance rates by vehicle segment
When shopping for a new or used vehicle, consumers generally know the type of vehicle they want. It’s useful to know how much it costs to insure a certain type of vehicle in relation to others.
The chart below illustrates the average cost of car insurance in New York broken out by vehicle segment, or type. Based on this information, you can determine that on average, compact SUVs will be less expensive to insure than a midsize or large SUV, or that a minivan will generally be cheaper to insure than a large SUV.
Now that we’ve covered insurance cost from a broad segment perspective, let’s drill down into each one and see which specific models have the cheapest car insurance rates in each segment.
Cheapest cars to insure in New York
The table below shows the top 20 cars (two and four-door sedans and coupes) with the cheapest car insurance in New York. These models are two-door and four-door sedans, coupes, and hatchbacks. The size of each model is noted in the table along with average annual and monthly car insurance cost.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $2,390 | $199 |
| Nissan Leaf | Compact | $2,410 | $201 |
| Honda Civic | Compact | $2,436 | $203 |
| Nissan Sentra | Compact | $2,522 | $210 |
| Subaru Impreza | Compact | $2,530 | $211 |
| Toyota Prius | Compact | $2,570 | $214 |
| Kia K5 | Midsize | $2,652 | $221 |
| Honda Accord | Midsize | $2,658 | $222 |
| Chevrolet Malibu | Midsize | $2,668 | $222 |
| Toyota Corolla | Compact | $2,680 | $223 |
| Kia Forte | Compact | $2,686 | $224 |
| Volkswagen Arteon | Midsize | $2,702 | $225 |
| Nissan Versa | Compact | $2,710 | $226 |
| Subaru Legacy | Midsize | $2,716 | $226 |
| Hyundai Ioniq 6 | Midsize | $2,736 | $228 |
| Mitsubishi Mirage G4 | Compact | $2,776 | $231 |
| Toyota Crown | Midsize | $2,784 | $232 |
| Volkswagen Jetta | Compact | $2,784 | $232 |
| Hyundai Sonata | Midsize | $2,790 | $233 |
| Mazda 3 | Compact | $2,846 | $237 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all New York Zip Codes. Updated June 26, 2025
Cheapest SUV insurance rates in New York
The cheapest SUVs to insure in New York are the Subaru Crosstrek at $2,032 per year and the Chevrolet Trailblazer at $2,068 per year, both belonging to the compact SUV segment.
From a monthly standpoint, full-coverage SUV insurance for an average middle-age driver will start around $169 per month in New York, depending on the company, and will top out at around $3,046 per year, or about $254 per month, for the Tesla Model Y.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $2,032 | $169 |
| Chevrolet Trailblazer | Compact | $2,068 | $172 |
| Kia Soul | Compact | $2,148 | $179 |
| Nissan Kicks | Compact | $2,168 | $181 |
| Honda Passport | Midsize | $2,192 | $183 |
| Buick Envision | Compact | $2,204 | $184 |
| Toyota Corolla Cross | Compact | $2,216 | $185 |
| Hyundai Venue | Compact | $2,236 | $186 |
| Mazda CX-5 | Compact | $2,244 | $187 |
| Ford Bronco Sport | Compact | $2,252 | $188 |
| Volkswagen Tiguan | Compact | $2,276 | $190 |
| Nissan Murano | Midsize | $2,310 | $193 |
| Buick Encore | Compact | $2,336 | $195 |
| Subaru Outback | Midsize | $2,344 | $195 |
| Honda CR-V | Compact | $2,346 | $196 |
| Buick Envista | Midsize | $2,352 | $196 |
| Volkswagen Taos | Compact | $2,358 | $197 |
| Kia Niro | Compact | $2,368 | $197 |
| Subaru Ascent | Midsize | $2,394 | $200 |
| Honda HR-V | Compact | $2,396 | $200 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all New York Zip Codes. Updated June 26, 2025
You may have noticed there are no full-size SUVs in our top 20 list of cheapest SUVs to insure. That’s because the lowest-cost full-size SUV to insure in New York is the Chevrolet Tahoe at $2,584 per year. The most expensive large SUV to insure (excluding luxury models) is the GMC Yukon, which comes in at around $2,962 per year for full coverage.
Cheapest pickup truck insurance in New York
The table below details average car insurance rates in New York for pickup trucks like the Ford F-150, Chevy Silverado, and Ram 1500. Midsize pickups like the Toyota Tacoma, Chevy Colorado, Nissan Frontier, and Ford Ranger tend to have cheaper insurance rates than full-size or heavy duty trucks.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $2,422 | $202 |
| Nissan Titan | Full-size | $2,574 | $215 |
| Nissan Frontier | Midsize | $2,602 | $217 |
| Ford Ranger | Midsize | $2,628 | $219 |
| Ford Maverick | Midsize | $2,668 | $222 |
| Honda Ridgeline | Midsize | $2,730 | $228 |
| Hyundai Santa Cruz | Midsize | $2,776 | $231 |
| Toyota Tacoma | Midsize | $2,788 | $232 |
| GMC Sierra 2500 HD | Heavy Duty | $2,800 | $233 |
| GMC Canyon | Midsize | $2,832 | $236 |
| Jeep Gladiator | Midsize | $2,898 | $242 |
| GMC Sierra 3500 | Heavy Duty | $2,914 | $243 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,942 | $245 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $3,022 | $252 |
| GMC Sierra | Full-size | $3,038 | $253 |
| Nissan Titan XD | Heavy Duty | $3,042 | $254 |
| Chevrolet Silverado | Full-size | $3,044 | $254 |
| Ford F150 | Full-size | $3,080 | $257 |
| GMC Hummer EV Pickup | Full-size | $3,154 | $263 |
| Ram Truck | Full-size | $3,184 | $265 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all New York Zip Codes. Updated June 26, 2025
Visit our midsize pickup insurance and full-size pickup insurance pages for full data comparisons.
Cheapest luxury car insurance in New York
Luxury cars like the Acura Integra, Lexus RC 300, and Audi S3 have average car insurance rates ranging from $2,446 for the Acura Integra up to $3,086 for the Audi S3.
The luxury car with the cheapest car insurance rates in New York is the Acura Integra at $2,446 per year, or about $204 per month. The Acura Integra costs $1,948 less per year than the most expensive midsize luxury car to insure, the BMW M5.
The table below shows the 20 cheapest luxury cars to insure in New York. Vehicle size is noted in the table along with annual and monthly average insurance cost.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $2,446 | $204 |
| BMW 330i | Compact | $2,802 | $234 |
| Mercedes-Benz CLA250 | Midsize | $2,830 | $236 |
| Lexus IS 300 | Midsize | $2,836 | $236 |
| Acura TLX | Compact | $2,846 | $237 |
| Cadillac CT4 | Compact | $2,872 | $239 |
| Lexus ES 350 | Midsize | $2,872 | $239 |
| Genesis G70 | Compact | $2,880 | $240 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,884 | $240 |
| Lexus RC 300 | Midsize | $2,892 | $241 |
| Lexus IS 350 | Compact | $2,904 | $242 |
| Jaguar XF | Midsize | $2,910 | $243 |
| Cadillac CT5 | Midsize | $2,966 | $247 |
| Lexus ES 250 | Midsize | $2,976 | $248 |
| Lexus RC 350 | Compact | $2,984 | $249 |
| BMW 330e | Compact | $2,988 | $249 |
| BMW 228i | Compact | $2,992 | $249 |
| BMW 230i | Compact | $3,016 | $251 |
| Lexus ES 300h | Midsize | $3,020 | $252 |
| Audi S3 | Compact | $3,086 | $257 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all New York Zip Codes. Updated June 27, 2025
Many larger luxury cars like the Infiniti Q60, BMW 740i, Mercedes-Benz S450, and Porsche Panamera are not show in the table due to the higher cost of car insurance for these models. Complete rankings for all compact, midsize, and large luxury cars can be found on our luxury car insurance comparisons page.
Cheapest luxury SUV insurance in New York
As with the luxury car rankings, the cheapest luxury SUV insurance rankings are dominated by compact and midsize SUV models. The cheapest insurance for a luxury SUV in New York can be found on the Acura RDX at $2,300 per year, with the Lexus NX 250 and Cadillac XT4 ranking second and third.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $2,300 | $192 |
| Lexus NX 250 | Compact | $2,436 | $203 |
| Cadillac XT4 | Compact | $2,484 | $207 |
| Jaguar E-Pace | Midsize | $2,572 | $214 |
| Cadillac XT5 | Midsize | $2,596 | $216 |
| Lexus NX 350h | Compact | $2,596 | $216 |
| Lincoln Corsair | Compact | $2,628 | $219 |
| Mercedes-Benz GLB 250 | Compact | $2,632 | $219 |
| Lexus UX 250h | Compact | $2,638 | $220 |
| Lexus NX 450h | Compact | $2,652 | $221 |
| Infiniti QX50 | Midsize | $2,672 | $223 |
| Mercedes-Benz GLA250 | Compact | $2,682 | $224 |
| Cadillac XT6 | Midsize | $2,692 | $224 |
| Mercedes-Benz GLA35 AMG | Compact | $2,692 | $224 |
| Infiniti QX60 | Midsize | $2,706 | $226 |
| Mercedes-Benz AMG GLB35 | Midsize | $2,710 | $226 |
| Land Rover Evoque | Compact | $2,746 | $229 |
| Acura MDX | Midsize | $2,750 | $229 |
| Lexus NX 350 | Compact | $2,758 | $230 |
| Lexus RX 350 | Midsize | $2,762 | $230 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all New York Zip Codes. Updated June 27, 2025
Due to the higher cost of car insurance on large luxury SUVs, models like the Volvo XC90, the Lexus LX 600, and the BMW X7 can be seen ranked on our luxury SUV insurance rates page, along with all other compact and midsize luxury models.
Minivan and van insurance rates in New York
We lump minivans in with more utilitarian vans like the Ram Promaster City and Ford Transit Connect mainly just because there are not many minivan models left. The cheapest minivan to insure in New York is the Honda Odyssey at $2,514 per year, or $210 per month.
For the more work-ready models, the Ram Promaster City and Chevrolet Express have some of the cheaper rates at an average annual cost of $2,122 and $2,358 per year, respectively.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Express | Full-size Van | $2,358 | $197 |
| Honda Odyssey | Minivan | $2,514 | $210 |
| GMC Savana | Full-size Van | $2,580 | $215 |
| Ford Transit | Full-size Van | $2,582 | $215 |
| Ram Promaster | Full-size Van | $2,650 | $221 |
| Chrysler Pacifica | Minivan | $2,718 | $227 |
| Toyota Sienna | Minivan | $2,816 | $235 |
| Kia Carnival | Minivan | $2,844 | $237 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all New York Zip Codes. Updated June 27, 2025
See our minivan car insurance rates page for additional data and a few extra models.
Sports car and exotic car insurance rates in New York
What car insurance comparison would be complete without the performance sports cars and exotics? The Mazda MX-5 Miata takes top honors in this category at an average yearly insurance rate of $2,546.
The second place ranking for cheapest sports car insurance goes to the Toyota GR86 at an average of $2,898 per year, with the Ford Mustang coming in third at $3,022.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,546 | $212 |
| Toyota GR86 | Sports Car | $2,898 | $242 |
| Ford Mustang | Sports Car | $3,022 | $252 |
| BMW Z4 | Sports Car | $3,040 | $253 |
| Subaru WRX | Sports Car | $3,086 | $257 |
| Toyota GR Supra | Sports Car | $3,092 | $258 |
| BMW M2 | Sports Car | $3,182 | $265 |
| Nissan Z | Sports Car | $3,188 | $266 |
| Lexus RC F | Sports Car | $3,250 | $271 |
| Subaru BRZ | Sports Car | $3,288 | $274 |
| BMW M3 | Sports Car | $3,476 | $290 |
| Porsche 718 | Sports Car | $3,544 | $295 |
| Chevrolet Camaro | Sports Car | $3,574 | $298 |
| Chevrolet Corvette | Sports Car | $3,810 | $318 |
| Aston Martin Vantage | Exotic Car | $3,848 | $321 |
| Porsche 911 | Sports Car | $3,942 | $329 |
| BMW M4 | Sports Car | $4,106 | $342 |
| Lexus LC 500 | Sports Car | $4,128 | $344 |
| Jaguar F-Type | Sports Car | $4,340 | $362 |
| Mercedes-Benz AMG GT53 | Sports Car | $4,552 | $379 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all New York Zip Codes. Updated June 26, 2025
Average rates in larger New York cities
Average car insurance rates are listed below for some of the larger cities in New York. Visit any page to see more detailed rate information plus the vehicles with the cheapest car insurance in each city.
- New York Car Insurance - $3,804 per year or $317 per month
- Buffalo Car Insurance - $2,538 per year or $212 per month
- Rochester Car Insurance - $2,148 per year or $179 per month
- Yonkers Car Insurance - $3,192 per year or $266 per month
- Syracuse Car Insurance - $2,264 per year or $189 per month
- Albany Car Insurance - $2,180 per year or $182 per month
- New Rochelle Car Insurance - $2,834 per year or $236 per month
- Mount Vernon Car Insurance - $3,336 per year or $278 per month