New York · Auto Insurance
New York Auto Insurance Guide
Average premiums, state minimum requirements, and a personalized calculator for New York auto insurance.
State Avg Annual
$2,103
Minimum Liability
25/50/10
No-Fault State
Yes
State Code
NY
Estimated Premium
$149/ month
$1,783 per year
State base rate$1,872
Age factor×1.00
Vehicle factor×1.00
Driving history factor×1.00
Coverage tier factor×1.00
About auto insurance in New York
New York drivers pay an average of $2,103 per year for auto insurance. The state requires minimum liability limits of 25/50/10 (bodily injury per person / per accident / property damage).
New York is a no-fault state — your own PIP coverage pays your medical bills regardless of who caused the accident.
Recommended coverage
State minimums are rarely enough. Most households should carry at least 100/300/100 liability, plus uninsured/underinsured motorist coverage.