New York Car Insurance Rates for 2021

• New York car insurance rates average $1,682 per year for full coverage, or about $140 on a monthly basis.
• When compared to other states in the northeastern U.S., New York ranks #10 out of 11 states for car insurance affordability and ranks #44 out of all 50 U.S. states.
• Cheap car insurance in New York tends to be found on compact SUVs like the Mazda CX-3, Honda CR-V, Subaru Forester, and the Kia Sportage.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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 - $2,828 per year or $236 per month
• Buffalo Car Insurance - $1,602 per year or $134 per month
• Rochester Car Insurance - $1,222 per year or $102 per month
• Yonkers Car Insurance - $2,238 per year or $187 per month
• Syracuse Car Insurance - $1,336 per year or $111 per month