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Car Insurance for New York City in 2024
Drivers in New York pay an average of $3,892 per year for car insurance, but you might find cheaper coverage if you shop around.
Lead Writer | Auto insurance
Isabel is a lead writer at NerdWallet covering auto insurance. She's also got a knack for finding stories buried in data. Previously, Isabel worked as a personal finance writer for Morning Brew’s Money Scoop and as a markets reporter at Forbes, where she covered everything from fintech and crypto to billionaires and IPOs. Isabel earned her bachelor’s degrees in journalism and economics from Boston University, where she fostered a passion for throwing intimidating jargon out the window to make financial topics accessible to all. She is originally from Mexico City and is currently based in Brooklyn, New York.
Assistant Assigning Editor | Auto insurance
Ben Moore is an assistant assigning editor and spokesperson who joined NerdWallet as a writer in 2020. An auto insurance authority, his past work has been featured in The Associated Press, The Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. Ben has been quoted in Martha Stewart and Real Simple magazine, and he has appeared on local broadcast television. He is based in Nashville, Tennessee.
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Car insurance in New York, New York costs an average of $3,892 per year for full coverage. But you may find cheaper options if you shop around, which is why it's important to compare rates from different companies.
To find the cheapest car insurance companies in The Big Apple, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in New York driving a 2021 Toyota Camry LE.
Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing. Read our methodology.
» MORE: The best car insurance companies
To jumpstart your auto insurance shopping journey, here's a list of the cheapest companies in New York.
| Category | Cheapest Company | Median annual rate |
|---|---|---|
| Clean driving history | The Hanover | $2,818 |
| After a DUI | Progressive | $3,111 |
| After an accident | The Hanover | $3,810 |
| After a speeding ticket | The Hanover | $3,373 |
| Having poor credit | Geico | $4,073 |
Read on to find out how auto insurance companies in New York stack up. You can also check out our analysis of cheap car insurance in New York state.
Looking for the best insurer? Read NerdWallet’s roundup of the best car insurance in New York.
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