Best Auto Insurance Rates in New York

On average, your neighbors pay $103 a month.

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Start spreading the news! This is the best site to learn about car insurance in New York.

This page will show you which types of coverage are legally required in New York, provide information about the cost of driving including average rates, and share some insights about insurance risk to help you protect yourself and your family.

Average New York Car Insurance Rates

How much does car insurance cost in New York State? Drivers shouldn't be surprised to hear car insurance costs more there than it does in many other parts of the US. Average insurance rates in New York are a much higher than the national average. The average cost of auto insurance in New York is $1,234.84 per year. The national average price is $889.01.

Prices vary depending on your driving record, zip code, and coverage.

New York (NY) Average Annual Car Insurance Rates
Coverage Rates
Liability $804.51
Collision $385.02
Comprehensive $171.12
Total Cost Per Year $1,234.84
Price Per Month $102.90
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New York insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New York car insurance rates increased from $1,111 in 2011 to $1,234 in 2015, a jump of $123, or 11.12 percent.

New York average car insurance rates

Finding a dependable auto insurance provider in New York is important these days. But how do you determine which one is right for you?

One way is to compare rates from a number of different car insurance companies. Let QuoteWizard help you do that. We’ll get you all the info you need, and connect you to a handful of agents, so you can find a policy that you, your vehicle, and your wallet will love.

Last year, 119,963 people used QuoteWizard to compare car insurance quotes in New York from multiple companies to get the cheapest rates.

Best Car Insurance Companies in New York

This is our list of the most common car insurance companies reported by QuoteWizard users living in the state of New York last year. Out of the 119,963 New York drivers that used QuoteWizard to request insurance quotes last year, 11,791 were uninsured.

Top 10 Vehicles

These are the vehicles owned by New York drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Honda Accord EX/LX
  2. Ford F150
  3. Honda Civic EX
  4. Hyundai Sonata GLS
  5. Nissan Altima 2.5 S
  6. Honda CR-V EX
  7. Jeep Grand Cherokee Laredo
  8. Toyota Camry LE/XLE/SE
  9. Acura MDX
  10. Toyota RAV4
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

New York Car Insurance Laws

Minimum Car Insurance Requirements in New York

If you drive a vehicle registered in New York, you must maintain a minimum level of insurance coverage of 25/50/10. This means that you must have a policy with at least the following:

  • $25,000 of coverage for bodily injury liability per person
  • $50,000 of coverage for bodily injury liability per incident
  • $10,000 of coverage for property damage liability per incident
  • $25,000 of uninsured motorist bodily injury coverage per person
  • $50,000 of uninsured motorist bodily injury coverage per incident
  • $50,000 of coverage for Personal Injury Protection

New York is one of the 12 US states that have a no-fault insurance system. In no-fault states, accident victims can collect benefits from their own insurance companies, regardless of whether the other party is insured. Liability coverage helps pay for other peoples’ medical and repair bills if you cause a car accident. Personal Injury Protection (PIP) coverage pays for your medical expenses after an accident, regardless of who was at fault.

Recommended Coverage Levels

New York is the fourth most populated state in the nation. That level of population density is a prime factor in high auto insurance rates; the more people you have, the more people you have on the road. And more people on the road always leads to more accidents. If you live in an area of New York with a lot of road traffic, collision insurance is a must. It pays your costs after an accident.

While minimum coverage is legally required, that’s about where it ends. It will cover the other driver’s damages, but you have to take care of your own. Furthermore, it’s all too easy for the price tag on a crash to go above the dollar limit of minimum liability. To avoid this, we suggest:

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability
New York drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Required Proof of Car Insurance

Any time you drive in New York, you must be prepared to show your car insurance identification card to law enforcement upon request. You'll get this identification card from your car insurance company when you buy a policy. The card must include all of the following:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • 3-digit code of your insurance company
  • Description of the year, make, or model of the insured vehicles, or the name of the insured driver.


Driving without insurance in New York is a traffic infraction that carries a civil penalty of $150 to $1500 (depending on the severity) and/or jail time of up to 15 days.

SR-22 Requirements

New York is one of the few states that doesn't require drivers to file an SR-22 to prove that they have legally adequate car insurance. If, however, you have an SR-22 from another state, you must maintain it as long as that state requires it.

State of New York Traffic Safety Laws

Distracted Driving Laws

New York prohibits drivers from using hand-held cell phones while driving. It's also against the law to send or receive text messages while driving.

In 2014, New York Police reported the following vehicle crashes involving distracted drivers:

Source: New York State DMV Motor Vehicle Crashes 2014 Statewide Statistical Summary
Distraction Type Number Percent
Cell Phone (hand held) 587 0.2
Cell Phone (hands free) 57 <0.1
Driver Inattention/Distraction 48,774 19.1
Eating or Drinking 104 0.1
Passenger Distraction 740 0.3
Texting 64 <0.1

Implied Consent Law

New York’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, urine, or saliva when arrested by law enforcement for suspicion of driving under the influence (DUI) of drugs or alcohol. Refuse the test and you’ll face the following penalties in addition to those for a DUI:

  • First Offense: suspension of driver’s license for 1 year
  • Second Offense: suspension of driver’s license for 18 months
  • Third Offense: suspension of driver’s license for 18 months

DWI Law and Penalties

If you drive or operate a motor vehicle in the state of New York with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Intoxicated (DWI). If you're a commercial driver, a BAC of 0.04% and higher violates the DWI law. This is a criminal offense with severe penalties.

In addition to DWI, the following are also alcohol and drug-related violations in the State of New York:

  • Aggravated Driving While Intoxicated (Aggravated DWI): Blood Alcohol Content (BAC) 0.18% or higher
  • Driving While Ability Impaired by Alcohol (DWAI/Alcohol): Blood Alcohol Content (BAC) higher than 0.05% and less than 0.07% or other evidence of impairment
  • Driving While Ability Impaired by a Single Drug other than Alcohol (DWAI/Drug
  • Driving While Ability Impaired by a Combined Influence of Drugs or Alcohol (DWAI/Combination)
  • Zero Tolerance Law: Drivers younger than 21 years old caught driving with a Blood Alcohol Content (BAC) between 0.02% and 0.07% are guilty of violating New York's Zero Tolerance Law.

Click here to see the Penalties for alcohol or drug-related driving violations in New York

The New York DMV reports that in 2014 there were 7,849 alcohol-related vehicle crashes. 270 of these were fatal crashes in which 292 people lost their lives. That same year alcohol was a factor in 3,974 non-fatal personal injury crashes.

Senior Drivers

All New York drivers are required to renew their driver’s license every 8 years. There are no special provisions for senior drivers.

Seat Belt Laws

New York requires that all drivers and passengers in a moving vehicle under the age of 16 wear seat belts in a moving vehicle. It also requires that any drivers or passengers in the front seats of a moving vehicle wear a seat belt, regardless of age. Children are required to use approved child seats as described above. The maximum fine for a first offense is $50.

Vehicles Registered in Another State

When you drive a vehicle in New York that must be registered in another state, you must have the type of insurance required by that state. You must be able to provide proof of this insurance to law enforcement upon request.

Car Insurance Risk in New York

Vehicle Thefts in New York

The State of New York reported 15,736 vehicle thefts in 2014. This represents a 1.6 percent increase from the 15,483 cars reported stolen in 2013.

Top 10 Most Stolen Vehicles

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 1996 Honda Accord
  2. 1998 Honda Civic
  3. 2013 Ford Econoline E350
  4. 2014 Toyota Camry
  5. 2013 Nissan Altima
  6. 2000 Dodge Caravan
  7. 2002 Ford Econoline E250
  8. 1997 Nissan Maxima
  9. 2010 Toyota Corolla
  10. 2014 Jeep Cherokee/Grand Cherokee

Top New York Auto Insurance Companies - Market Share

Source: Insurance Information Institute
Rank Market Share Company
1 29.6% GEICO
2 15.1% Allstate
3 7.6% Progressive
4 6.5% Liberty Mutual
5 4.3% Travelers
6 2.9% Nationwide
7 2.8% USAA
8 2.5% NYCM Insurance Group
9 1.8% Hartford financial Services

Uninsured Drivers

The percentage of New York residents estimated to be driving without insurance is 5.3%. That ranks New York as #49 among US states and the District of Columbia, far better than average. Only Maine and Massachusetts are better.

New York Crash Statistics

The Governor’s Traffic Safety Committee archives many types of crash data on this website:

New York Office of the Insurance Commissioner

Insurance Commissioner:
Maria T. Vullo
Insurance Hotline:
(800) 342 – 3736
Office Hours:
Monday - Friday
8:00 am to 5:00 pm
File a Consumer Insurance Complaint
Complaint Page

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