Cheap Car Insurance in New York
New York drivers pay an average of $2,100/year for auto insurance — $311 above the national average. Compare quotes and save.
How New York stacks up
At $2,100 per year for full coverage, New York drivers pay 17% more than the national average of $1,789. No-fault state with $50k PIP minimum. NYC metro pays 60%+ more than upstate.
Premiums vary widely within New York based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in New York
Bodily injury liability
25/50 (in $thousands)
Property damage liability
$10,000
No-fault / PIP required
Yes
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your New York car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- No-fault state with $50k PIP minimum. NYC metro pays 60%+ more than upstate.
New York insurance FAQ
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