Advertiser disclosure: No link on this page pays us today. Quote links go to each company's own quote page. If a quote company pays us later, it will cost you nothing, and we will update this notice. We never rank or pick data based on pay. See Methods and disclosure and Disclosures.
Car insurance cost in New York
Quick answers
How much is car insurance in New York?
In 2024, the average New York driver paid $1,980.93 per car for car insurance (NAIC, released September 2026). That ranks 2nd of 51, where number 1 costs the most. The US average was $1,431.63.
How much is full coverage car insurance in New York?
The 2024 full coverage average in New York (liability, collision and comprehensive together) was $2,149.87. That ranks 3rd of 51.
Is car insurance in New York going up?
From 2023 to 2024, the New York average went up 13.13%. Since 2020 it has gone up 38.91%. Across the US, car insurance prices in September 2026 were 5.0% lower than in September 2025 (BLS price index, whole country).
Last verified Nov 11, 2026. BLS price data checked Nov 11, 2026. NAIC state averages (2024 data, released September 2026) checked Oct 24, 2026.
Across the US, car insurance prices in September 2026 were 5.0% lower than in September 2025.
This is the newest government price count (BLS) with a 12-month change. It is for the whole country, not one state. BLS published no 12-month change for October 2026 because it did not publish an October 2025 index, so September 2026 is the latest month with one.
Newest official numbers (from 2024, released September 2026)
In New York, the average driver paid $1,980.93 per car for car insurance in 2024. That ranks 2nd of 51. Number 1 costs the most.
Compare car insurance quotes in New York
Averages do not tell you what you will pay. To know your price, get quotes for your own car, driving record and coverage. These links open each company's quote page. We list them A to Z, not by pay. There is no form here. We do not collect your details.
EverQuote Quote comparison marketplace
Root App-based insurer, quotes from Root only
The Zebra Quote comparison site
See the summary, charts and tables
Summary
According to NAIC, the average expenditure per insured vehicle in New York is $1,980.93 for 2024. This represents a 13.13% increase from 2023 and a 38.91% increase from 2020. In 2024, the average expenditure per vehicle ranked 2 of 51. The combined average premium in New York was $2,149.87, which ranked 3 of 51.
The 2024 average premium by coverage includes liability at $1,243.46, collision at $621.93, and comprehensive at $284.48. For comparison, the 2024 US countrywide average expenditure was $1,431.63, which was a 11.71% increase from 2023. The 2024 US countrywide combined average premium was $1,612.81.
New York vs US, 2020 to 2024
| Year | Avg expenditure | Rank | Combined avg premium | Liability | Collision |
|---|---|---|---|---|---|
| 2024 | $1,980.93 | 2nd | $2,149.87 | $1,243.46 | $621.93 |
| 2023 | $1,750.97 | 2nd | $1,893.57 | $1,113.18 | $541.33 |
| 2022 | $1,548.17 | 3rd | $1,676.06 | $989.18 | $485.98 |
| 2021 | $1,495.29 | 2nd | $1,624.27 | $960.57 | $476.05 |
| 2020 | $1,426.07 | 2nd | $1,550.99 | $918.94 | $455.15 |
2024 average premium by coverage
| Coverage | New York 2024 | Change vs 2023 | US 2024 |
|---|---|---|---|
| Comprehensive | $284.48 | +18.99% | $283.15 |
| Collision | $621.93 | +14.89% | $516.39 |
| Liability | $1,243.46 | +11.70% | $813.27 |
Average expenditure is total liability, collision and comprehensive premium divided by insured car-years, so it reflects that not every driver buys collision or comprehensive. Combined average premium adds the three coverage averages, so it is closer to the cost of a full-coverage policy.
What changed in 2026
NAIC data stop at 2024. Nationally, the BLS Consumer Price Index for motor vehicle insurance was -5.0% from a year earlier in September 2026 (index 846.102, not seasonally adjusted). In October 2026 the index was 854.597, +0.7% from the month before (seasonally adjusted). BLS published no 12-month change for October 2026 because it did not publish an October 2025 index, so September 2026 is the latest month with one. See car insurance rates in 2026 for the monthly trend.
Be careful when you compare states. Each state has different coverage, limits, deductibles, drivers and laws.
Compare all states · Methods and disclosure
Other states
Alabama · Alaska · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · District of Columbia · Florida · Georgia · Hawaii · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Montana · Nebraska · Nevada · New Hampshire · New Jersey · New Mexico · North Carolina · North Dakota · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · South Dakota · Tennessee · Texas · Utah · Vermont · Virginia · Washington · West Virginia · Wisconsin · Wyoming