New York Car Insurance Rates for 2022

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.

Start QuoteCompare New York car insurance rates and save on your next policy.

How much does car insurance cost in New York?

Average car insurance cost in New York is $1,620 per year, or about $135 per month, for a full-coverage policy. That is 3.4% more than the national average rate of $1,567.

Average rates on some of the most popular vehicles in New York include the Chevy Silverado pickup at $1,744 per year, the Toyota RAV4 compact SUV at $1,530 per year, and the Ford F-150 pickup at an average of $1,568 per year.

Compact SUVs tend to dominate the rankings of the overall cheapest vehicles to insure in New York, with Nissan Rogue insurance costing $1,588 per year, Honda CR-V insurance costing $1,420 per year, and Ford Edge insurance averaging $1,460 annually.

Luxury car models like the Mercedes-Benz C300, the BMW 330i, and the Lexus ES 350 cost an average of $1,930, $1,712, and $1,906 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 2022 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 September 13, 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$2,730$228
$500$3,216$268
$250$3,728$311
30$1,000$1,434$120
$500$1,706$142
$250$1,990$166
40$1,000$1,372$114
$500$1,620$135
$250$1,882$157
50$1,000$1,248$104
$500$1,474$123
$250$1,708$142
60$1,000$1,228$102
$500$1,448$121
$250$1,680$140

Average car insurance cost per month in New York from the chart above ranges from $102 to $311 per month. Teenage drivers are not included in the rates above, but average insurance rates for teen drivers in New York range from $4,072 per year for a 19-year-old female driver up to $5,804 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 60.1% more than Vermont, 30% more than Massachusetts, 9.8% more than Connecticut, 12.7% more than New Jersey, and 26.4% more than Pennsylvania.

When compared to states outside the northeast region, the average cost of car insurance in New York is 7.1% more expensive than in California, 27.3% cheaper than Florida, and 12.8% 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 $1,604 per year for a policy with full coverage. In New Jersey, the same Honda Civic would cost around $1,426, but in Michigan the cost would be $2,404 and in Florida the Civic would cost $2,206 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.

Get Rates in Your AreaWhy is this important?

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
New Hampshire$920-$700
Vermont$1,012-$608
Maine$1,054-$566
Massachusetts$1,246-$374
Pennsylvania$1,282-$338
Maryland$1,374-$246
New Jersey$1,438-$182
Connecticut$1,476-$144
Delaware$1,550-$70
New York$1,620--
Rhode Island$1,796$176

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 2022 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 September 13, 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$1,516$126
Midsize Pickup$1,556$130
Minivan$1,632$136
Midsize SUV$1,640$137
Compact Car$1,668$139
Midsize Car$1,690$141
Half-ton Pickup$1,760$147
Compact Luxury SUV$1,822$152
Large SUV$1,826$152
Compact Luxury Car$1,840$153
Large Car$1,876$156
Heavy Duty Pickup$1,934$161
Midsize Luxury SUV$1,958$163
Midsize Luxury Car$2,146$179
Sports Car$2,286$191
Large Luxury SUV$2,448$204
Large Luxury Car$2,562$214

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$1,406$117
Chevrolet SparkCompact$1,414$118
Volkswagen GolfCompact$1,558$130
Subaru LegacyMidsize$1,570$131
Honda InsightMidsize$1,576$131
Volkswagen JettaCompact$1,576$131
Nissan SentraCompact$1,582$132
Kia K5Midsize$1,594$133
Toyota CorollaCompact$1,594$133
Toyota CamryMidsize$1,596$133
Kia RioCompact$1,598$133
Volkswagen PassatMidsize$1,602$134
Honda CivicCompact$1,604$134
Mazda 3Compact$1,614$135
Mazda 6Midsize$1,616$135
Toyota PriusCompact$1,618$135
Hyundai AccentCompact$1,638$137
Hyundai VelosterCompact$1,658$138
Kia ForteCompact$1,660$138
Chevrolet MalibuMidsize$1,684$140

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average rates are based on 2022 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 September 13, 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 Mazda CX-5 at $1,232 per year and the Nissan Kicks at $1,264 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 $103 per month in New York, depending on the company, and will top out at around $1,920 per year, or about $160 per month, for the Tesla Model Y.

    Top 20 Cheapest SUV Insurance Rates in New York
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Mazda CX-5Compact$1,232$103
    Nissan KicksCompact$1,264$105
    Chevrolet TrailblazerCompact$1,270$106
    Subaru CrosstrekCompact$1,300$108
    Honda PassportMidsize$1,302$109
    Toyota C-HRCompact$1,334$111
    Buick EncoreCompact$1,340$112
    Nissan Rogue SportCompact$1,350$113
    Hyundai VenueCompact$1,376$115
    Buick EnvisionCompact$1,378$115
    Kia SeltosCompact$1,380$115
    Subaru AscentMidsize$1,390$116
    Toyota Corolla CrossCompact$1,390$116
    Hyundai KonaCompact$1,400$117
    Subaru ForesterCompact$1,404$117
    Volkswagen TiguanCompact$1,406$117
    Honda CR-VCompact$1,420$118
    Mazda CX-30Compact$1,430$119
    Honda HR-VCompact$1,458$122
    Ford EdgeMidsize$1,460$122

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 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 September 13, 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 $1,626 per year. The most expensive large SUV to insure (excluding luxury models) is the GMC Yukon, which comes in at around $1,802 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
      Chevrolet ColoradoMidsize$1,334$111
      Ford MaverickMidsize$1,386$116
      Ford RangerMidsize$1,442$120
      Toyota TacomaMidsize$1,502$125
      Nissan FrontierMidsize$1,544$129
      Hyundai Santa CruzMidsize$1,558$130
      GMC CanyonMidsize$1,560$130
      Ford F150Full-size$1,568$131
      Honda RidgelineMidsize$1,578$132
      Jeep GladiatorMidsize$1,594$133
      GMC SierraFull-size$1,654$138
      Nissan TitanFull-size$1,712$143
      Chevrolet SilveradoFull-size$1,744$145
      Toyota TundraFull-size$1,744$145
      Ford F350 Super DutyHeavy Duty$1,762$147
      Chevrolet Silverado HD 3500Heavy Duty$1,772$148
      Nissan Titan XDHeavy Duty$1,822$152
      Ram TruckFull-size$1,852$154
      GMC Sierra 2500 HDHeavy Duty$1,892$158
      GMC Sierra 3500Heavy Duty$1,906$159

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 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 September 13, 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 ILX, Alfa Romeo Giulia, and Audi S3 have average car insurance rates ranging from $1,490 for the Acura ILX up to $1,882 for the Audi S3.

        The luxury car with the cheapest car insurance rates in New York is the Acura ILX at $1,490 per year, or about $124 per month. The Acura ILX costs $1,314 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 ILXMidsize$1,490$124
        Mercedes-Benz A220Compact$1,592$133
        BMW 330iCompact$1,712$143
        Acura TLXCompact$1,724$144
        Volvo S60Compact$1,738$145
        BMW 330eCompact$1,746$146
        BMW 228iCompact$1,754$146
        BMW 230iCompact$1,766$147
        Lexus RC 300Midsize$1,794$150
        Alfa Romeo GiuliaCompact$1,798$150
        Cadillac CT4Compact$1,802$150
        Lexus RC 350Compact$1,804$150
        Genesis G70Compact$1,830$153
        Mercedes-Benz AMG CLA35Midsize$1,838$153
        BMW i4Midsize$1,850$154
        Cadillac CT5Midsize$1,856$155
        Audi A3Midsize$1,876$156
        Audi A4Compact$1,878$157
        Audi S3Compact$1,882$157
        Mercedes-Benz AMG CLA45Midsize$1,882$157

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 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 September 13, 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 $1,388 per year, with the Cadillac XT4 and Volvo XC40 ranking second and third.

          Top 20 Cheapest Luxury SUVs to Insure New York
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,388$116
          Cadillac XT4Compact$1,422$119
          Volvo XC40Compact$1,558$130
          Cadillac XT5Midsize$1,594$133
          Lexus NX 250Compact$1,612$134
          BMW X1Compact$1,614$135
          Lexus NX 350hCompact$1,622$135
          Lexus UX 250hCompact$1,624$135
          Lexus NX 350Compact$1,652$138
          Lexus UX 200Compact$1,658$138
          Jaguar E-PaceMidsize$1,662$139
          Lexus RX 350Midsize$1,668$139
          Acura MDXMidsize$1,676$140
          Lincoln NautilusMidsize$1,692$141
          Lexus NX 450hCompact$1,696$141
          Mercedes-Benz GLB 250Compact$1,704$142
          Lexus RX 450hMidsize$1,708$142
          Infiniti QX50Midsize$1,714$143
          Land Rover EvoqueCompact$1,714$143
          Lincoln CorsairCompact$1,716$143

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 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 September 13, 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 $1,512 per year, or $126 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 $1,302 and $1,358 per year, respectively.

            Full-size and Minivan Insurance Rates in New York
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Ram Promaster CityFull-size Van$1,302$109
            Chevrolet ExpressFull-size Van$1,358$113
            Nissan NVFull-size Van$1,424$119
            GMC SavanaFull-size Van$1,482$124
            Honda OdysseyMinivan$1,512$126
            Nissan NV200Midsize Van$1,528$127
            Ford Transit ConnectMidsize Van$1,546$129
            Ram PromasterFull-size Van$1,584$132
            Chrysler PacificaMinivan$1,624$135
            Ford TransitFull-size Van$1,636$136
            Kia CarnivalMinivan$1,696$141
            Toyota SiennaMinivan$1,700$142

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 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 September 13, 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 $1,402.

              The second place ranking for cheapest sports car insurance goes to the Ford Mustang at an average of $1,710 per year, with the BMW Z4 coming in third at $1,744.

              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$1,402$117
              Ford MustangSports Car$1,710$143
              BMW Z4Sports Car$1,744$145
              Subaru WRXSports Car$1,844$154
              Toyota GR86Sports Car$1,890$158
              Toyota GR SupraSports Car$1,934$161
              Audi TTSports Car$1,976$165
              Subaru BRZSports Car$2,036$170
              Chevrolet CorvetteSports Car$2,042$170
              BMW M3Sports Car$2,098$175
              Porsche 718Sports Car$2,190$183
              Chevrolet CamaroSports Car$2,246$187
              Lexus RC FSports Car$2,302$192
              Dodge ChallengerSports Car$2,306$192
              Mercedes-Benz AMG GT53Sports Car$2,340$195
              Jaguar F-TypeSports Car$2,450$204
              Porsche TaycanSports Car$2,514$210
              Porsche 911Sports Car$2,576$215
              Aston Martin VantageExotic Car$2,580$215
              BMW M4Sports Car$2,580$215

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 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 September 13, 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.