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Auto Insurance · State Guide

Updated: May 1, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
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New York Auto Insurance

Average auto insurance rates in New York, minimum requirements, and the cheapest carriers.

  • State: New York (NY)
  • Avg annual rate: $1,925

Auto insurance in New York

New York drivers pay an average of $1925 a year for full-coverage auto insurance. New York rates vary dramatically by region — Manhattan and Brooklyn rates are 2-3x suburban rates. As a no-fault state, New York requires PIP coverage. The state has high regulatory standards that influence both rate and product availability.

For drivers looking for the cheapest auto insurance in New York, the savings spread between carriers can exceed several hundred dollars a year for the same coverage. Comparing quotes from multiple carriers is the single biggest lever you have to lower your premium.

New York minimum coverage requirements

New York requires drivers to carry at minimum 25/50/10 liability plus $50,000 PIP (no-fault state) in liability coverage. Most drivers should carry significantly more than the minimum — serious accidents routinely exceed those limits and leave drivers personally liable for the excess.

If you’re financing or leasing a vehicle, your lender will also require comprehensive and collision coverage.

Best carriers in New York

GEICO, State Farm, and Progressive are typically the most competitive in New York. NYCM Insurance has a strong upstate presence with competitive rates. For New York City drivers specifically, getting quotes from regional carriers in addition to nationals can save significantly.

Get quotes from at least three carriers — the cheapest carrier for one New York driver isn’t necessarily the cheapest for the next, since rates vary by ZIP code, driving record, credit, and vehicle.