New York Car Insurance Rates for 2021

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 $1,682 per year, or about $140 per month, for a full-coverage policy. That is 10.4% more than the national average rate of $1,523.

Average rates on some of the most popular vehicles in New York include the Chevy Silverado pickup at $1,754 per year, the Toyota RAV4 compact SUV at $1,620 per year, and the Ford F-150 pickup at an average of $1,604 per year.

Compact SUVs tend to dominate the rankings of the overall cheapest vehicles to insure in New York, with Nissan Rogue insurance costing $1,514 per year, Honda CR-V insurance costing $1,268 per year, and Ford Edge insurance averaging $1,340 annually.

Luxury car models like the Mercedes-Benz C300, the BMW 330i, and the Lexus ES 350 cost an average of $2,018, $1,846, and $1,770 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.

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Chart Data Details: Chart shows average New York car insurance rates for 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all New York zip codes.
Average Car Insurance Cost in New York
Average Car Insurance Cost in New York
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,832$236
$500$3,340$278
$250$3,878$323
30$1,000$1,486$124
$500$1,770$148
$250$2,068$172
40$1,000$1,422$119
$500$1,682$140
$250$1,954$163
50$1,000$1,300$108
$500$1,534$128
$250$1,778$148
60$1,000$1,276$106
$500$1,506$126
$250$1,746$146

Average car insurance cost per month in New York from the chart above ranges from $106 to $323 per month. Teenage drivers are not included in the rates above, but average insurance rates for teen drivers in New York range from $4,234 per year for a 19-year-old female driver up to $6,032 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 59.9% more than Vermont, 32.2% more than Massachusetts, 1.4% more than Connecticut, 14.3% more than New Jersey, and 25.7% more than Pennsylvania.

When compared to states outside the northeast region, the average cost of car insurance in New York is 0.4% more expensive than in California, 17.8% cheaper than Florida, and 14.3% 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 $1,578 per year for a policy with full coverage. In New Jersey, the same Honda Civic would cost around $1,380, but in Michigan the cost would be $2,552 and in Florida the Civic would cost $1,920 per year.

So even though New York has more expensive car insurance rates than New Jersey, it’s neighbor to the south, you’ll pay 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 second to last 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$960-$722
Vermont$1,052-$630
New Hampshire$1,100-$582
Massachusetts$1,272-$410
Pennsylvania$1,338-$344
Maryland$1,400-$282
New Jersey$1,472-$210
Delaware$1,644-$38
Connecticut$1,658-$24
New York$1,682--
Rhode Island$1,804$122

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 2021 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.
New York Car Insurance Rates by Vehicle Segment
New York Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,514$126
Midsize Truck$1,528$127
Large Van$1,532$128
Midsize Minivan$1,564$130
Midsize SUV$1,636$136
Midsize Van$1,652$138
Small Car$1,688$141
Large Truck$1,704$142
Midsize Car$1,722$144
Large SUV$1,740$145
Small Luxury SUV$1,768$147
Large Car$1,828$152
Heavy Duty Truck$1,892$158
Midsize Luxury SUV$1,896$158
Small Luxury Car$1,956$163
Midsize Luxury Car$2,228$186
Large Luxury SUV$2,272$189
Sports Car$2,456$205
Large Luxury Car$2,594$216
Exotic Car$3,456$288

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
Volkswagen GolfCompact$1,342$112
Chevrolet SparkCompact$1,386$116
Subaru ImprezaCompact$1,414$118
Kia Rio5Compact$1,430$119
Toyota CorollaCompact$1,460$122
Mazda 6Midsize$1,560$130
Honda InsightMidsize$1,568$131
Subaru LegacyMidsize$1,576$131
Honda CivicCompact$1,578$132
Kia RioCompact$1,600$133
Mazda 3Compact$1,608$134
Honda AccordMidsize$1,624$135
Volkswagen PassatMidsize$1,634$136
Kia ForteCompact$1,642$137
Chevrolet MalibuMidsize$1,646$137
Nissan SentraCompact$1,666$139
Toyota PriusCompact$1,672$139
Volkswagen GTICompact$1,672$139
Toyota CamryMidsize$1,682$140
Hyundai AccentCompact$1,686$141

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2021 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.
    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 Subaru Forester at $1,250 per year and the Honda CR-V at $1,268 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 $104 per month in New York, depending on the company, and will top out at around $2,182 per year, or about $182 per month, for the Tesla Model Y.

    Top 20 Cheapest SUV Insurance Rates in New York
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ForesterCompact$1,250$104
    Honda CR-VCompact$1,268$106
    Mazda CX-3Compact$1,324$110
    Toyota C-HRCompact$1,332$111
    Kia SportageCompact$1,336$111
    Ford EdgeMidsize$1,340$112
    Mazda CX-5Compact$1,356$113
    Subaru CrosstrekCompact$1,374$115
    Hyundai VenueCompact$1,398$117
    Volkswagen AtlasMidsize$1,408$117
    Kia SoulCompact$1,414$118
    Hyundai KonaCompact$1,416$118
    Kia TellurideMidsize$1,422$119
    Chevrolet BlazerMidsize$1,426$119
    Jeep CompassCompact$1,426$119
    Subaru OutbackMidsize$1,428$119
    Mazda CX-30Compact$1,430$119
    Nissan KicksCompact$1,432$119
    Honda PassportMidsize$1,434$120
    Ford EscapeCompact$1,436$120

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 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.
      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 Toyota Sequoia at $1,662 per year. The most expensive large SUV to insure (excluding luxury models) is the Chevy Suburban, which comes in at around $1,828 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
      Toyota TacomaMidsize$1,420$118
      Chevrolet ColoradoMidsize$1,430$119
      Nissan FrontierMidsize$1,446$121
      Ford RangerMidsize$1,560$130
      Jeep GladiatorMidsize$1,568$131
      Ford F150Full-size$1,604$134
      Honda RidgelineMidsize$1,618$135
      GMC SierraFull-size$1,644$137
      GMC CanyonMidsize$1,660$138
      Toyota TundraFull-size$1,672$139
      Nissan TitanFull-size$1,714$143
      Chevrolet SilveradoFull-size$1,754$146
      Ford F350 Super DutyHeavy Duty$1,812$151
      Chevrolet Silverado HD 3500Heavy Duty$1,824$152
      Ram TruckFull-size$1,830$153
      Ford F250 Super DutyHeavy Duty$1,832$153
      Ford F450 Super DutyHeavy Duty$1,886$157
      Ram Truck 2500Heavy Duty$1,920$160
      Ram Truck 3500Heavy Duty$1,920$160
      GMC Sierra 3500Heavy Duty$1,934$161

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 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.
        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 ILX, BMW i3, and Cadillac CT5 have average car insurance rates ranging from $1,572 for the Acura up to $1,934 for the CT5.

        The luxury car with the cheapest car insurance rates in New York is the Acura ILX at $1,572 per year, or about $131 per month. The Acura ILX costs $1,370 less per year than the most expensive midsize luxury car to insure, the Tesla Model S.

        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 ILXMidsize$1,572$131
        Mercedes-Benz A220Compact$1,650$138
        Volvo S60Compact$1,744$145
        Lexus ES 350Midsize$1,770$148
        Acura TLXCompact$1,784$149
        Cadillac CT4Compact$1,796$150
        BMW i3Compact$1,828$152
        Genesis G70Compact$1,836$153
        Volvo S90Full-size$1,836$153
        BMW 330iCompact$1,846$154
        Lexus RC 300Midsize$1,852$154
        Audi S3Compact$1,854$155
        BMW Z4Compact$1,866$156
        Audi A3Midsize$1,868$156
        Alfa Romeo GiuliaCompact$1,880$157
        Audi A5Full-size$1,880$157
        Mercedes-Benz AMG CLA45Midsize$1,880$157
        BMW 230iCompact$1,886$157
        Lexus RC 350Compact$1,926$161
        Cadillac CT5Midsize$1,934$161

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 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.
          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 Volvo XC40 at $1,388 per year, with the Acura RDX and Cadillac XT4 ranking second and third.

          Top 20 Cheapest Luxury SUVs to Insure New York
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Volvo XC40Compact$1,388$116
          Acura RDXCompact$1,454$121
          Cadillac XT4Compact$1,500$125
          Volvo V60Midsize$1,590$133
          Acura MDXMidsize$1,592$133
          Cadillac XT5Midsize$1,592$133
          Lexus NX 300Compact$1,610$134
          Volvo XC60Compact$1,610$134
          Volvo XC90Full-size$1,616$135
          Lincoln NautilusMidsize$1,624$135
          Lexus UX 250HCompact$1,664$139
          Lincoln CorsairCompact$1,688$141
          Mercedes-Benz GLC300Compact$1,690$141
          Lexus RX 350Midsize$1,702$142
          Lexus UX 200Compact$1,706$142
          Mercedes-Benz GLB 250Compact$1,706$142
          Infiniti QX50Midsize$1,710$143
          BMW X1Compact$1,742$145
          BMW X2Compact$1,746$146
          Land Rover DefenderCompact$1,748$146

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 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.
            Top 20 Cheapest Luxury SUVs to Insure New York

            Due to the higher cost of car insurance on large luxury SUVs, the only model that made the top 20 list was the Volvo XC90. Other full-size luxury SUVs like the Mercedes GLS450, the Lexus LX 570, and the Range Rover 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 Kia Sedona at $1,428 per year, or $121 per month.

            For the more work-ready models, the Ram Promaster City is the cheapest van to insure in New York at an average annual cost of $1,316.

            Full-size and Minivan Insurance Rates in New York
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Ram Promaster CityFull-size Van$1,316$110
            Kia SedonaMinivan$1,428$119
            Chevrolet ExpressFull-size Van$1,510$126
            Nissan NVFull-size Van$1,520$127
            Ford Transit ConnectMidsize Van$1,532$128
            Chrysler PacificaMinivan$1,536$128
            GMC SavanaFull-size Van$1,546$129
            Ram PromasterFull-size Van$1,610$134
            Toyota SiennaMinivan$1,638$137
            Honda OdysseyMinivan$1,654$138
            Mercedes-Benz MetrisFull-size Van$1,706$142
            Nissan NV200Midsize Van$1,770$148

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 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.
              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 Miata takes top honors in this category at an average yearly insurance rate of $1,544. We’re not sure that the Miata actually belongs in this segment, but as fun as it is to drive, we felt this was the right category.

              The second place ranking for cheapest sports car insurance goes to the Ford Mustang at an average of $1,880 per year, with the Audi TT coming in third at $1,900. Even a few exotics broke the top 20, with the BMW Alpina B7 being the cheapest exotic car to insure at $3,258 per year.

              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$1,544$129
              Ford MustangSports Car$1,880$157
              Audi TTSports Car$1,900$158
              Subaru WRXSports Car$1,998$167
              Toyota SupraSports Car$2,014$168
              Porsche 718Sports Car$2,084$174
              Nissan 370ZSports Car$2,102$175
              Chevrolet CorvetteSports Car$2,160$180
              Subaru BRZSports Car$2,206$184
              Chevrolet CamaroSports Car$2,226$186
              Dodge ChallengerSports Car$2,306$192
              Jaguar F-TypeSports Car$2,594$216
              Lexus LC 500Sports Car$2,774$231
              Porsche 911Sports Car$2,878$240
              BMW i8Sports Car$3,140$262
              BMW Alpina B7Exotic Car$3,258$272
              Acura NSXSports Car$3,262$272
              Mercedes-Benz AMG GTExotic Car$3,376$281
              Mercedes-Benz MaybachExotic Car$3,448$287
              Aston Martin VantageExotic Car$3,454$288

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 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.
                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.