New York City Car Insurance – 2023 Rates + Cheapest to Insure in NYC

How much does auto insurance cost in New York City? Not only do we find the overall cheapest vehicles to insure, we break them out by segment to truly find the cheapest car insurance in NYC.

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  • The average cost of car insurance in New York City is $3,150 per year, or about $263 per month for full coverage.
  • Monthly car insurance rates for a few popular models in the city of New York include the Jeep Cherokee at $285, Toyota Highlander at $262, and Ford F150 at $266.
  • Small crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks are the top picks for cheap car insurance in NYC.
  • A few vehicles with segment-leading car insurance rates in New York include the Lexus RX 350 ($2,816 per year), Cadillac CT5 ($3,386 per year), Honda Passport ($2,444 per year), and Subaru Legacy ($2,900 per year).

How much does car insurance cost in New York City?

Average auto insurance cost in New York City is $3,150 per year, or about $263 per month for a policy that provides full coverage. It costs 58.3% more to insure the average vehicle in NYC than the U.S. average rate of $1,728.

In the state of New York, the average price for car insurance is $2,084 per year, so the average cost in New York City is $1,066 more per year. When rates are compared to other cities in New York, the cost to insure a car in New York City is $1,282 per year more than in Buffalo, $622 per year more expensive than in Rochester, and $1,560 per year more expensive than in Syracuse.

The chart below shows average car insurance cost in New York, NY for all 2023 models. Rates are averaged for all NYC Zip Codes and shown not only by driver age, but also by physical damage 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 August 12, 2023
Average Car Insurance Cost in New York City, NY
Average Car Insurance Cost in New York, NY
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$5,304$442
$500$6,264$522
$250$7,276$606
30$1,000$2,780$232
$500$3,316$276
$250$3,874$323
40$1,000$2,656$221
$500$3,150$263
$250$3,662$305
50$1,000$2,422$202
$500$2,864$239
$250$3,326$277
60$1,000$2,378$198
$500$2,812$234
$250$3,268$272

In the chart above, the cost of car insurance in New York ranges from $2,378 per year for a 60-year-old driver with a policy with high deductibles to $7,276 per year for a 20-year-old driver with a low deductible. From a monthly standpoint, the average cost in the prior chart ranges from $198 to $606 per month.

NYC car insurance rates are different for every driver and can also be very different depending on the company. Since there can be such a large difference in rates, it stresses the need for accurate free auto insurance quotes when shopping online for more affordable car insurance.

The age of the driver influences the price you pay for auto insurance. The list below illustrates these differences by breaking down average car insurance rates for driver ages from 16 to 60.

Average car insurance rates in New York for drivers age 16 to 60

  • 16 year old – $11,276 per year or $940 per month
  • 17 year old – $10,542 per year or $879 per month
  • 18 year old – $9,850 per year or $821 per month
  • 19 year old – $8,914 per year or $743 per month
  • 20 year old – $6,264 per year or $522 per month
  • 30 year old – $3,316 per year or $276 per month
  • 40 year old – $3,150 per year or $263 per month
  • 50 year old – $2,864 per year or $239 per month
  • 60 year old – $2,812 per year or $234 per month

The rates in the list above for average cost of car insurance for teen drivers assumed the gender of the driver was male. The next chart goes into more detail for teenage car insurance rates and breaks out car insurance cost for teens by gender. Females are generally slightly cheaper to insure than males, notably at younger ages.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for the 2023 model year with $500 physical damage deductibles. Average car insurance cost in New York includes all Zip Codes and vehicle trim levels.Data last updated on August 12, 2023
Car Insurance Cost for Teen Drivers in NYC
Average Car Insurance Cost in New York, NY for Teenage Drivers
Gender Driver Age 16 Age 17 Age 18 Age 19
Male$11,276$10,542$9,850$8,914
Female$9,926$9,370$8,544$7,928

Car insurance for a 16-year-old female driver in New York City costs an average of $1,350 less per year than the cost to insure a 16-year-old male driver, while at age 19, the cost difference is smaller but males still pay $986 more per year.

The previously discussed car insurance rates take the cost to insure each 2023 vehicle model and average them, which is helpful for making big picture comparisons like the cost difference between two locations. Average auto insurance rates work very well when presented with a question like “is car insurance cheaper in NYC or Rochester?” or “is car insurance in the state of New York cheaper than Colorado?”.

For deeper auto insurance rate comparisons, however, the data will be more precise if we compare rates for the exact make and model of vehicle being insured. Each individual vehicle model has it’s own risk profile for determining how much it costs to insure it and this data enables us to make more detailed cost comparisons.

This next chart shows average insurance cost in NYC for a handful of the more popular vehicles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average New York car insurance cost 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 August 12, 2023
NYC Car Insurance Rates for Popular Vehicles
NYC Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$2,402$200
Honda HR-V$2,616$218
Subaru Forester$2,654$221
Honda CR-V$2,668$222
Toyota Tacoma$2,874$240
Nissan Rogue$2,896$241
Toyota RAV4$2,916$243
Toyota Corolla$2,954$246
Toyota Camry$2,992$249
Ford F150$3,196$266
Jeep Cherokee$3,418$285
Ram Truck$3,438$287
Chevrolet Silverado$3,444$287
Jeep Wrangler$3,486$291
Chevrolet Corvette$3,882$324

In New York City, which vehicles are cheapest to insure?

The vehicles with the lowest cost average auto insurance prices in New York City tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Buick Encore, and Buick Envision.

Average car insurance rates for those crossover SUVs cost $2,514 or less per year to have full coverage.

Other models that rank towards the top in our overall cost comparison are the Subaru Forester, Acura RDX, Chevrolet Colorado, and Ford Maverick.

Average auto insurance rates are a few dollars per month higher for those models than the compact SUVs that rank near the top, but they still have average rates of $222 or less per month.

The following table details the cheapest vehicles to insure in NYC, ordered starting with the cheapest.

Top 30 Cheapest Auto Insurance Rates in New York City
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$2,382$199
2Subaru Crosstrek$2,402$200
3Nissan Kicks$2,414$201
4Honda Passport$2,444$204
5Nissan Rogue Sport$2,456$205
6Mazda CX-5$2,472$206
7Buick Encore$2,508$209
8Buick Envision$2,514$210
9Kia Seltos$2,550$213
10Subaru Ascent$2,558$213
11Hyundai Venue$2,568$214
12Subaru Impreza$2,606$217
13Ford Maverick$2,612$218
14Honda HR-V$2,616$218
15Chevrolet Colorado$2,618$218
16Acura RDX$2,624$219
17Hyundai Kona$2,642$220
18Subaru Forester$2,654$221
19Ford Edge$2,664$222
20Honda CR-V$2,668$222
21Mazda CX-30$2,674$223
22Ford Explorer$2,682$224
23Volkswagen Atlas$2,684$224
24Chevrolet Trax$2,704$225
25Nissan Murano$2,704$225
26Subaru Outback$2,706$226
27Nissan Frontier$2,716$226
28Volkswagen Tiguan$2,734$228
29Ford Bronco Sport$2,742$229
30Fiat 500X$2,790$233

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 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 premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in New York, NY.Data last updated on August 12, 2023
    Top 30 Cheapest Auto Insurance Rates in New York City

    A list of 30 vehicle models with cheap New York City car insurance is great if you just want the lowest rates. But considering we track over 700 vehicles, there are a lot of rates not being shown. So let’s rethink this and list the models with the lowest rates in a format that is more usable, by automotive segment.

    The next section of this article further discusses the average cost of car insurance for each vehicle segment. This will provide a decent idea of the general vehicle types that have the overall least expensive NYC auto insurance rates. Then the following six sections show the most affordable auto insurance for each segment.

    NYC auto insurance rates by vehicle segment

    If you’re shopping for a new or used vehicle, it’s in your best interest to know which kinds of vehicles are cheaper to insure. To illustrate this, maybe you’re wondering if midsize SUVs have cheaper insurance than small SUVs or if heavy duty pickups have more expensive insurance than half-ton pickups.

    The chart below displays the average cost of car insurance rates in New York City for different vehicle segments. From a segment perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the best rates, with luxury and performance models having the highest average cost to insure.

    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 August 12, 2023
    New York City Auto Insurance Rates by Vehicle Segment
    New York Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$2,862$239
    Midsize Pickup$2,970$248
    Midsize SUV$3,072$256
    Minivan$3,086$257
    Compact Car$3,134$261
    Midsize Car$3,208$267
    Compact Luxury SUV$3,406$284
    Half-ton Pickup$3,414$285
    Large SUV$3,442$287
    Compact Luxury Car$3,462$289
    Heavy Duty Pickup$3,618$302
    Midsize Luxury SUV$3,654$305
    Large Car$3,660$305
    Midsize Luxury Car$4,002$334
    Sports Car$4,300$358
    Large Luxury SUV$4,626$386
    Large Luxury Car$4,858$405

    Average rates by automotive segment are sufficient for overall comparisons, but the insurance cost for specific vehicles ranges considerably within each vehicle segment listed in the above chart.

    For example, in the midsize luxury car segment, rates range from the Cadillac CT5 at $3,386 per year for a full coverage policy up to the BMW M8 at $5,272 per year. As another example, in the large truck segment, the cost of insurance ranges from the Nissan Titan costing $3,114 per year up to the GMC Hummer EV Pickup at $3,974 per year, a difference of $860 within that segment.

    In the next sections, we reduce this variability by looking at car insurance cost in NYC for specific vehicles.

    Cheapest cars to insure in New York City

    Ranking at the top of the list for the most affordable New York City auto insurance rates in the non-luxury sedan or hatchback segment are the Toyota Corolla, Subaru Impreza, Subaru Legacy, Nissan Sentra, and Volkswagen Jetta. Car insurance prices for these vehicles average $2,954 or less per year, or around $246 per month.

    Other cars that rank well in our comparison are the Mazda 3, Toyota Prius, Volkswagen Golf, and Toyota Camry, with average insurance cost of $3,036 per year or less.

    The cheapest compact car to insure in New York City is the Subaru Impreza at $2,606 per year. For midsize cars, the Subaru Legacy is cheapest to insure at $2,900 per year. And for large cars, the Chrysler 300 has the best rates at $3,070 per year.

    The following table shows the models with the cheapest car insurance rates in NYC, ordered starting with the cheapest.

    Cheapest Cars to Insure in New York City
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$2,606$217
    Volkswagen JettaCompact$2,876$240
    Subaru LegacyMidsize$2,900$242
    Nissan SentraCompact$2,920$243
    Toyota CorollaCompact$2,954$246
    Volkswagen GolfCompact$2,960$247
    Toyota PriusCompact$2,968$247
    Toyota CamryMidsize$2,992$249
    Mazda 3Compact$3,018$252
    Kia K5Midsize$3,036$253
    Chevrolet MalibuMidsize$3,064$255
    Chrysler 300Full-size$3,070$256
    Honda CivicCompact$3,084$257
    Kia ForteCompact$3,088$257
    Mitsubishi Mirage G4Compact$3,102$259
    Nissan LeafCompact$3,174$265
    Honda AccordMidsize$3,182$265
    Toyota CrownMidsize$3,196$266
    Tesla Model 3Midsize$3,216$268
    Volkswagen ArteonMidsize$3,302$275

      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, NY.Data last updated on August 12, 2023
      Cheapest Cars to Insure in New York City

      A few popular car models that did not make the list include the Hyundai Sonata costing $3,510 per year, the Tesla Model 3 at an average of $3,216, and the Hyundai Elantra at $3,438.

      See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

      Don’t see rates for your vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap NYC car insurance quotes from top-rated companies in New York.

      Cheapest SUV insurance rates in NYC

      The Chevrolet Trailblazer comes in at #1 as the most budget-friendly non-luxury SUV to insure in New York City, followed closely by the Subaru Crosstrek, Nissan Kicks, Honda Passport, and Nissan Rogue Sport. The 2023 model costs an average of $2,382 per year to insure for full coverage.

      Other SUVs that are affordable to insure are the Mazda CX-5, Buick Envision, Buick Encore, and Kia Seltos, with average rates of $2,558 per year or less.

      Additional models that rank well include the Subaru Forester, Mazda CX-30, Ford Explorer, and Hyundai Venue, which cost between $2,558 and $2,704 per year for insurance.

      Car insurance rates for this segment in NYC will start around $199 per month, depending on your location and insurance company. The table below ranks the twenty SUVs with the cheapest insurance in New York, starting with the Chevrolet Trailblazer at $199 per month and ending with the Chevrolet Trax at $225 per month.

      Cheapest SUVs to Insure in New York City
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Chevrolet TrailblazerCompact$2,382$199
      Subaru CrosstrekCompact$2,402$200
      Nissan KicksCompact$2,414$201
      Honda PassportMidsize$2,444$204
      Nissan Rogue SportCompact$2,456$205
      Mazda CX-5Compact$2,472$206
      Buick EncoreCompact$2,508$209
      Buick EnvisionCompact$2,514$210
      Kia SeltosCompact$2,550$213
      Subaru AscentMidsize$2,558$213
      Hyundai VenueCompact$2,568$214
      Honda HR-VCompact$2,616$218
      Hyundai KonaCompact$2,642$220
      Subaru ForesterCompact$2,654$221
      Ford EdgeMidsize$2,664$222
      Honda CR-VCompact$2,668$222
      Mazda CX-30Compact$2,674$223
      Ford ExplorerMidsize$2,682$224
      Volkswagen AtlasMidsize$2,684$224
      Chevrolet TraxCompact$2,704$225

        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, NY.Data last updated on August 12, 2023
        Cheapest SUVs to Insure in New York City

        The favorite SUVs of drivers in New York City don’t always have the best auto insurance rates. For example, some popular non-luxury SUVs that did not rank in the top 20 include the Toyota Highlander at $3,142 ($262 per month), and the GMC Yukon at $3,380 ($282 per month).

        See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

        Don’t see insurance cost for your SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in New York.

        Cheapest sports car insurance rates in NYC

        Ranking highest for the cheapest New York City auto insurance rates in the sports car segment are the Ford Mustang, Mazda MX-5 Miata, Audi TT, Subaru WRX, and BMW Z4. Insurance rates for these models average $290 or less per month.

        Not the cheapest in the list but still ranking well are cars like the Nissan Z, Subaru BRZ, Toyota GR86, and Toyota GR Supra, with average cost of $3,794 per year or less.

        Full-coverage car insurance in this segment for a middle-age safe driver starts at around $242 per month, depending on the company. The table below ranks the sports cars with the cheapest car insurance rates in New York.

        The following table breaks down the sports cars with the cheapest overall insurance rates in NYC, sorted by annual and monthly insurance cost.

        Cheapest Sports Cars to Insure in NYC
        Make/Model Vehicle Type Annual Cost Monthly Cost
        Mazda MX-5 MiataSports Car$2,908$242
        Audi TTSports Car$3,262$272
        Ford MustangSports Car$3,414$285
        BMW Z4Sports Car$3,438$287
        Subaru WRXSports Car$3,476$290
        Nissan ZSports Car$3,528$294
        Toyota GR SupraSports Car$3,588$299
        Toyota GR86Sports Car$3,634$303
        BMW M2Sports Car$3,652$304
        Subaru BRZSports Car$3,794$316
        Chevrolet CorvetteSports Car$3,882$324
        BMW M3Sports Car$3,968$331
        Lexus RC FSports Car$4,052$338
        Porsche 718Sports Car$4,054$338
        Chevrolet CamaroSports Car$4,118$343
        Mercedes-Benz AMG GT53Sports Car$4,368$364
        Jaguar F-TypeSports Car$4,518$377
        Porsche TaycanSports Car$4,618$385
        BMW M4Sports Car$4,678$390
        Lexus LC 500Sports Car$4,732$394

          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, NY.Data last updated on August 12, 2023
          Cheapest Sports Cars to Insure in NYC

          Looking for a different vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in New York.

          Cheapest pickup trucks to insure in New York City

          The top four pickup trucks with the cheapest auto insurance rates are the Ford Maverick at $2,612 per year, Chevrolet Colorado at $2,618 per year, Nissan Frontier at $2,716 per year, and Ford Ranger at $2,794 per year.

          Other pickups that have cheaper rates include the Honda Ridgeline, Hyundai Santa Cruz, Toyota Tacoma, and Nissan Titan, with an average car insurance cost of $3,196 per year or less.

          Car insurance rates in this segment for a middle-age safe driver starts at around $218 per month, depending on the company.

          The rate comparison table below ranks the pickups with the most affordable auto insurance rates in New York City, starting with the Ford Maverick at $218 per month and ending with the Nissan Titan XD at $293 per month.

          Cheapest Pickups to Insure in New York City
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Ford MaverickMidsize$2,612$218
          Chevrolet ColoradoMidsize$2,618$218
          Nissan FrontierMidsize$2,716$226
          Ford RangerMidsize$2,794$233
          GMC CanyonMidsize$2,860$238
          Toyota TacomaMidsize$2,874$240
          Hyundai Santa CruzMidsize$2,924$244
          Nissan TitanFull-size$3,114$260
          Honda RidgelineMidsize$3,124$260
          Ford F150Full-size$3,196$266
          GMC Sierra 2500 HDHeavy Duty$3,222$269
          Jeep GladiatorMidsize$3,274$273
          Toyota TundraFull-size$3,310$276
          GMC Sierra 3500Heavy Duty$3,324$277
          GMC SierraFull-size$3,436$286
          Ram TruckFull-size$3,438$287
          Chevrolet SilveradoFull-size$3,444$287
          Chevrolet Silverado HD 2500Heavy Duty$3,454$288
          Chevrolet Silverado HD 3500Heavy Duty$3,462$289
          Nissan Titan XDHeavy Duty$3,516$293

            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, NY.Data last updated on August 11, 2023
            Cheapest Pickups to Insure in New York City

            For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

            Is your pickup truck missing from the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in New York.

            Cheapest luxury car insurance rates in NYC

            The Acura Integra ranks at #1 for the cheapest luxury car model to insure, followed by the BMW 330i, Acura TLX, Cadillac CT4, and Genesis G70. The 2023 model averages $2,828 per year for full-coverage auto insurance.

            Other models that have cheaper rates are the Lexus ES 350, BMW 330e, Lexus ES 250, and Cadillac CT5, with average cost of $3,422 per year or less.

            Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Audi S3, BMW 230i, Mercedes-Benz AMG CLA45, Audi A4, and Volvo S60 cost between $3,422 and $3,516 per year to insure in New York City.

            From a monthly standpoint, full-coverage auto insurance on this segment in New York for the average driver will start around $236 per month, depending on your company and location.

            The next table ranks the cars with the cheapest average auto insurance rates in New York City, starting with the Acura Integra at $2,828 per year ($236 per month) and ending with the Volvo S60 at $3,516 per year ($293 per month).

            Cheapest Luxury Cars to Insure in NYC
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura IntegraCompact$2,828$236
            BMW 330iCompact$3,198$267
            Acura TLXCompact$3,248$271
            Cadillac CT4Compact$3,288$274
            Genesis G70Compact$3,354$280
            Cadillac CT5Midsize$3,386$282
            Lexus ES 350Midsize$3,396$283
            BMW 330eCompact$3,408$284
            Lexus ES 250Midsize$3,416$285
            BMW 228iCompact$3,422$285
            Lexus RC 300Midsize$3,426$286
            Mercedes-Benz AMG CLA35Midsize$3,432$286
            Audi A3Midsize$3,442$287
            BMW 230iCompact$3,446$287
            Mercedes-Benz C300Compact$3,470$289
            Audi A4Compact$3,486$291
            Lexus RC 350Compact$3,492$291
            Audi S3Compact$3,512$293
            Mercedes-Benz AMG CLA45Midsize$3,512$293
            Volvo S60Compact$3,516$293

              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, NY.Data last updated on August 11, 2023
              Cheapest Luxury Cars to Insure in NYC

              See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.

              Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free NYC car insurance quotes from top auto insurance companies in the state of New York.

              Cheapest luxury SUV insurance rates in New York City

              The four highest ranking luxury SUVs with the most affordable auto insurance in New York City are the Acura RDX at $2,624 per year, Lexus RX 350 at $2,816 per year, Cadillac XT4 at $2,842 per year, and Volvo XC40 at $2,894 per year.

              Not the cheapest, but still in the top 10, are models like the Cadillac XT6, Cadillac XT5, Mercedes-Benz GLA250, and Lexus UX 250h, with average insurance cost of $3,064 per year or less.

              Ranked from number 10 to 20, models like the Lexus NX 250, Lexus NX 450h, Lexus NX 350, Lincoln Corsair, Mercedes-Benz GLC300, and Lincoln Nautilus cost between $3,064 and $3,208 per year for full-coverage insurance in NYC.

              Car insurance in New York for this segment for a safe driver can cost as low as $219 per month, depending on where you live.

              When prices are compared by vehicle size, the lowest-cost compact luxury SUV to insure is the Acura RDX at $2,624 per year. For midsize luxury models, the Lexus RX 350 is the cheapest model to insure at $2,816 per year. And for large luxury SUVs, the Volvo XC90 has the best rates at $3,246 per year.

              The rate comparison table below ranks the twenty SUVs with the most affordable insurance in New York, starting with the Acura RDX at $219 per month and ending with the Mercedes-Benz GLC300 at $267 per month.

              Cheapest Luxury SUVs to Insure in New York City
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Acura RDXCompact$2,624$219
              Lexus RX 350Midsize$2,816$235
              Cadillac XT4Compact$2,842$237
              Volvo XC40Compact$2,894$241
              Infiniti QX50Midsize$2,910$243
              Lexus UX 250hCompact$2,944$245
              Cadillac XT5Midsize$2,990$249
              Mercedes-Benz GLA250Compact$3,054$255
              Cadillac XT6Midsize$3,062$255
              Mercedes-Benz GLB 250Compact$3,064$255
              Lexus NX 250Compact$3,104$259
              Acura MDXMidsize$3,130$261
              Lexus NX 350hCompact$3,142$262
              Lexus NX 350Compact$3,162$264
              Lincoln CorsairCompact$3,164$264
              Lexus NX 450hCompact$3,178$265
              Lincoln NautilusMidsize$3,188$266
              BMW X1Compact$3,192$266
              Alfa Romeo TonaleCompact$3,204$267
              Mercedes-Benz GLC300Compact$3,208$267

                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, NY.Data last updated on August 12, 2023
                Cheapest Luxury SUVs to Insure in New York City

                See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

                Need rates for a different luxury SUV? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap NYC car insurance quotes from top companies in New York.

                How to find cheaper New York City auto insurance

                New York drivers should always be searching for ways to reduce the monthly expense for insurance, so take a minute and read through the money-saving ideas in the list below and maybe you’ll find a way to save a little cash on your next policy.

                • Credit ratings can impact car insurance rates. Insureds with excellent credit scores of 800+ could save an average of $495 per year compared to a slightly lower credit rating between 670-739. Conversely, a below average credit rating could cost as much as $573 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
                • Get better rates due to your employment. The vast majority of insurance companies offer discounts for certain professions like dentists, members of the military, scientists, police officers and law enforcement, nurses, and others. If your job can earn you this discount, you may save between $95 and $318 on your yearly car insurance bill, depending on the policy coverages selected.
                • Pay small claims out-of-pocket. Car insurance companies give a discounted rate for not filing any claims. Insurance should be used to protect you from significant financial loss, not nickel-and-dime type claims.
                • Qualify for discounts to save money. Discounted rates may be available if the insured drivers belong to certain professional organizations, choose electronic billing, insure their home and car with the same company, are loyal customers, work in certain occupations, or many other discounts which could save the average NYC driver as much as $536 per year on their insurance cost.
                • Shop around anytime. Taking the time to get a few free car insurance quotes could save you a significant amount. Companies make rate modifications frequently and switching to a different company is very easy to do.
                • The higher the deductibles, the lower the cost. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $284 per year for a 40-year-old driver and $552 per year for a 20-year-old driver.
                • Choose a vehicle with cheaper auto insurance rates. Vehicle type has a huge impact on the cost of auto insurance. As an example, a Subaru Forester costs $3,492 less per year to insure in New York than a Nissan GT-R. Lower performance vehicles save money.