New York Car Insurance Rates for 2023

What is the average cost of car insurance in New York? See how New York auto insurance rates compare to surrounding states as well as the cheapest vehicles to insure in the Empire State.

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How much does car insurance cost in New York?

Average car insurance cost in New York is $2,042 per year, or about $170 per month, for a full-coverage policy. That is 21.2% more than the national average rate of $1,685.

Average rates on some of the most popular vehicles in New York include the Chevy Silverado pickup at $2,234 per year, the Toyota RAV4 compact SUV at $1,894 per year, and the Ford F-150 pickup at an average of $2,078 per year.

Compact SUVs tend to dominate the rankings of the overall cheapest vehicles to insure in New York, with Nissan Rogue insurance costing $1,880 per year, Honda CR-V insurance costing $1,734 per year, and Ford Edge insurance averaging $1,730 annually.

Luxury car models like the Mercedes-Benz C300, the BMW 330i, and the Lexus ES 350 cost an average of $2,254, $2,076, and $2,204 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average New York car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all New York zip codes.Data last updated on December 30, 2022
Average Car Insurance Cost in New York
Average Car Insurance Cost in New York
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,440$287
$500$4,062$339
$250$4,722$394
30$1,000$1,804$150
$500$2,154$180
$250$2,516$210
40$1,000$1,724$144
$500$2,042$170
$250$2,376$198
50$1,000$1,574$131
$500$1,862$155
$250$2,162$180
60$1,000$1,546$129
$500$1,828$152
$250$2,122$177

Average car insurance cost per month in New York from the chart above ranges from $129 to $394 per month. Teenage drivers are not included in the rates above, but average insurance rates for teen drivers in New York range from $5,146 per year for a 19-year-old female driver up to $7,324 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 59.5% more than Vermont, 6.2% more than Massachusetts, 3.9% more than Connecticut, 4.4% less than New Jersey, and 20.5% more than Pennsylvania.

When compared to states outside the northeast region, the average cost of car insurance in New York is 4.3% cheaper than in California, 7% cheaper than Florida, and 24.7% 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 $2,000 per year for a policy with full coverage. In New Jersey, the same Honda Civic would cost around $2,094, but in Michigan the cost would be $2,362 and in Florida the Civic would cost $2,152 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.

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Average Car Insurance Cost in New York Compared to Northeast Region
Average Car Insurance Cost in New York Compared to Northeast Region
Northeast Region States Average Insurance Cost Annual Difference
Maine$1,062-$980
New Hampshire$1,182-$860
Vermont$1,280-$762
Maryland$1,638-$404
Pennsylvania$1,694-$348
Massachusetts$1,922-$120
Connecticut$1,966-$76
Delaware$2,008-$34
New York$2,042--
New Jersey$2,136$94
Rhode Island$2,186$144

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average New York car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all New York Zip Codes.Data last updated on December 30, 2022
New York Car Insurance Rates by Vehicle Segment
New York Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,858$155
Midsize Pickup$1,928$161
Midsize SUV$1,996$166
Minivan$2,002$167
Compact Car$2,036$170
Midsize Car$2,082$174
Compact Luxury SUV$2,210$184
Half-ton Pickup$2,220$185
Large SUV$2,234$186
Compact Luxury Car$2,250$188
Heavy Duty Pickup$2,348$196
Large Car$2,376$198
Midsize Luxury SUV$2,376$198
Midsize Luxury Car$2,594$216
Sports Car$2,794$233
Large Luxury SUV$3,004$250
Large Luxury Car$3,158$263

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.

Top 20 Cheapest Cars to Insure in New York
Make/Model Vehicle Size Annual Cost Monthly Cost
Subaru ImprezaCompact$1,692$141
Volkswagen JettaCompact$1,866$156
Subaru LegacyMidsize$1,884$157
Nissan SentraCompact$1,896$158
Toyota CorollaCompact$1,916$160
Volkswagen GolfCompact$1,922$160
Toyota PriusCompact$1,928$161
Toyota CamryMidsize$1,944$162
Mazda 3Compact$1,960$163
Kia K5Midsize$1,970$164
Chevrolet MalibuMidsize$1,988$166
Chrysler 300Full-size$1,994$166
Honda CivicCompact$2,000$167
Kia ForteCompact$2,004$167
Mitsubishi Mirage G4Compact$2,014$168
Nissan LeafCompact$2,060$172
Honda AccordMidsize$2,062$172
Toyota CrownMidsize$2,076$173
Tesla Model 3Midsize$2,090$174
Volkswagen ArteonMidsize$2,144$179

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New York.Data last updated on December 30, 2022
    Top 20 Cheapest Cars to Insure in New York

    Cheapest SUV insurance rates in New York

    The cheapest SUVs to insure in New York are the Chevrolet Trailblazer at $1,546 per year and the Subaru Crosstrek at $1,560 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 $129 per month in New York, depending on the company, and will top out at around $2,286 per year, or about $191 per month, for the Tesla Model Y.

    Top 20 Cheapest SUV Insurance Rates in New York
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet TrailblazerCompact$1,546$129
    Subaru CrosstrekCompact$1,560$130
    Nissan KicksCompact$1,568$131
    Honda PassportMidsize$1,590$133
    Nissan Rogue SportCompact$1,596$133
    Mazda CX-5Compact$1,608$134
    Buick EncoreCompact$1,630$136
    Buick EnvisionCompact$1,632$136
    Kia SeltosCompact$1,656$138
    Subaru AscentMidsize$1,664$139
    Hyundai VenueCompact$1,666$139
    Honda HR-VCompact$1,698$142
    Hyundai KonaCompact$1,716$143
    Subaru ForesterCompact$1,724$144
    Ford EdgeMidsize$1,730$144
    Honda CR-VCompact$1,734$145
    Mazda CX-30Compact$1,736$145
    Ford ExplorerMidsize$1,740$145
    Volkswagen AtlasMidsize$1,744$145
    Chevrolet TraxCompact$1,754$146

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New York.Data last updated on December 30, 2022
      Top 20 Cheapest SUV Insurance Rates in New York

      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 $1,916 per year. The most expensive large SUV to insure (excluding luxury models) is the GMC Yukon, which comes in at around $2,194 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.

      Top 20 Cheapest Pickup Truck Insurance Rates in New York
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Ford MaverickMidsize$1,696$141
      Chevrolet ColoradoMidsize$1,702$142
      Nissan FrontierMidsize$1,766$147
      Ford RangerMidsize$1,814$151
      GMC CanyonMidsize$1,854$155
      Toyota TacomaMidsize$1,868$156
      Hyundai Santa CruzMidsize$1,900$158
      Nissan TitanFull-size$2,022$169
      Honda RidgelineMidsize$2,028$169
      Ford F150Full-size$2,078$173
      GMC Sierra 2500 HDHeavy Duty$2,092$174
      Jeep GladiatorMidsize$2,126$177
      Toyota TundraFull-size$2,150$179
      GMC Sierra 3500Heavy Duty$2,158$180
      GMC SierraFull-size$2,230$186
      Ram TruckFull-size$2,232$186
      Chevrolet SilveradoFull-size$2,234$186
      Chevrolet Silverado HD 2500Heavy Duty$2,240$187
      Chevrolet Silverado HD 3500Heavy Duty$2,246$187
      Nissan Titan XDHeavy Duty$2,282$190

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New York.Data last updated on December 30, 2022
        Top 20 Cheapest Pickup Truck Insurance Rates in New York

        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, BMW 228i, and Volvo S60 have average car insurance rates ranging from $1,836 for the Acura Integra up to $2,284 for the Volvo S60.

        The luxury car with the cheapest car insurance rates in New York is the Acura Integra at $1,836 per year, or about $153 per month. The Acura Integra costs $1,408 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.

        Top 20 Cheapest Luxury Cars to Insure New York
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura IntegraCompact$1,836$153
        BMW 330iCompact$2,076$173
        Acura TLXCompact$2,108$176
        Cadillac CT4Compact$2,136$178
        Genesis G70Compact$2,180$182
        Cadillac CT5Midsize$2,200$183
        Lexus ES 350Midsize$2,204$184
        BMW 330eCompact$2,212$184
        Lexus ES 250Midsize$2,216$185
        BMW 228iCompact$2,222$185
        Lexus RC 300Midsize$2,226$186
        Mercedes-Benz AMG CLA35Midsize$2,230$186
        Audi A3Midsize$2,236$186
        BMW 230iCompact$2,238$187
        Mercedes-Benz C300Compact$2,254$188
        Audi A4Compact$2,264$189
        Lexus RC 350Compact$2,266$189
        Audi S3Compact$2,282$190
        Mercedes-Benz AMG CLA45Midsize$2,282$190
        Volvo S60Compact$2,284$190

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New York.Data last updated on December 30, 2022
          Top 20 Cheapest Luxury Cars to Insure New York

          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 $1,704 per year, with the Lexus RX 350 and Cadillac XT4 ranking second and third.

          Top 20 Cheapest Luxury SUVs to Insure New York
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,704$142
          Lexus RX 350Midsize$1,830$153
          Cadillac XT4Compact$1,844$154
          Volvo XC40Compact$1,882$157
          Infiniti QX50Midsize$1,890$158
          Lexus UX 250hCompact$1,912$159
          Cadillac XT5Midsize$1,944$162
          Mercedes-Benz GLA250Compact$1,984$165
          Cadillac XT6Midsize$1,988$166
          Mercedes-Benz GLB 250Compact$1,990$166
          Lexus NX 250Compact$2,016$168
          Acura MDXMidsize$2,034$170
          Lexus NX 350hCompact$2,040$170
          Lexus NX 350Compact$2,052$171
          Lincoln CorsairCompact$2,056$171
          Lexus NX 450hCompact$2,058$172
          Lincoln NautilusMidsize$2,068$172
          Alfa Romeo TonaleCompact$2,074$173
          BMW X1Compact$2,074$173
          Mercedes-Benz GLC300Compact$2,082$174

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New York.Data last updated on December 30, 2022
            Top 20 Cheapest Luxury SUVs to Insure New York

            Due to the higher cost of car insurance on large luxury SUVs, models like the Lincoln Navigator, the Infiniti QX80, 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 $1,868 per year, or $156 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 $1,546 and $1,718 per year, respectively.

            Full-size and Minivan Insurance Rates in New York
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Chevrolet ExpressFull-size Van$1,756$146
            Ford Transit ConnectMidsize Van$1,782$149
            Honda OdysseyMinivan$1,868$156
            Ford TransitFull-size Van$1,918$160
            GMC SavanaFull-size Van$1,918$160
            Ram PromasterFull-size Van$1,982$165
            Chrysler PacificaMinivan$2,000$167
            Kia CarnivalMinivan$2,048$171
            Toyota SiennaMinivan$2,098$175

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New York.Data last updated on December 30, 2022
              Full-size and Minivan Insurance Rates in New York

              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 $1,890.

              The second place ranking for cheapest sports car insurance goes to the Audi TT at an average of $2,118 per year, with the Ford Mustang coming in third at $2,216.

              Top 20 Sports Car and Exotic Car Insurance Rates in New York
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,890$158
              Audi TTSports Car$2,118$177
              Ford MustangSports Car$2,216$185
              BMW Z4Sports Car$2,232$186
              Subaru WRXSports Car$2,258$188
              Nissan ZSports Car$2,290$191
              Toyota GR SupraSports Car$2,328$194
              BMW M2Sports Car$2,358$197
              Toyota GR86Sports Car$2,358$197
              Subaru BRZSports Car$2,464$205
              Chevrolet CorvetteSports Car$2,520$210
              BMW M3Sports Car$2,576$215
              Lexus RC FSports Car$2,632$219
              Porsche 718Sports Car$2,632$219
              Chevrolet CamaroSports Car$2,672$223
              Mercedes-Benz AMG GT53Sports Car$2,838$237
              Jaguar F-TypeSports Car$2,934$245
              Porsche TaycanSports Car$3,000$250
              BMW M4Sports Car$3,038$253
              Lexus LC 500Sports Car$3,072$256

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New York.Data last updated on December 30, 2022
                Top 20 Sports Car and Exotic Car Insurance Rates in New York

                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.