Average car insurance cost in New York (2026)
Drivers in New York pay an average of $217 a month for full coverage and $145 a month for liability only.
Full coverage / month
$217
Liability only / month
$145
Full coverage / year
$2,604
Liability only / year
$1,740
Cost rank
#12 of 51
1 = most expensive. Tied with Colorado. Liability-only rank: #9.
Averages are a starting point. Estimate your cost in New York
How New York compares
The full-coverage average of $217 is 25% above the average across states ($174), and the liability-only average of $145 is 49% above the average across states ($98). New York is mid-table: 11 of the 51 places in our table have a higher full-coverage average. That is $84 a month below Maryland, the highest, and $132 above New Hampshire, the lowest.
Full coverage vs liability only in New York
Full coverage costs $72 more per month than liability only in New York, or $864 more per year. That gap is narrower than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to New York by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Colorado | $217 | $97 | $0 |
| Connecticut | $225 | $161 | +$8 |
| Louisiana | $208 | $106 | -$9 |
| Washington, D.C. | $227 | $131 | +$10 |
| Virginia | $207 | $118 | -$10 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the New York averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $217 | $145 |
| Same driver, age 20-24 | $315 | $210 |
| Same driver, one ticket | $265 | $177 |
| Same driver, one at-fault accident | $308 | $206 |
| Same driver, sports car | $282 | $189 |
Frequently asked questions
How much does car insurance cost in New York?
The average in New York is $217 a month ($2,604 a year) for full coverage and $145 a month ($1,740 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in New York expensive compared with other states?
New York ranks 12th highest of the 50 states and D.C. for full coverage (tied with Colorado). Its full-coverage average is 25% above the average across states of $174 a month.
How much more does full coverage cost than liability only in New York?
On average, full coverage costs $72 more per month in New York, or $864 more per year. That is 50% more than the liability-only average.
How much could an at-fault accident change an estimate in New York?
With our illustrative 1.42 factor, a baseline full-coverage estimate in New York rises from $217 to about $308 a month, or about $91 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.