Find essential tips to shop for car insurance in New York with confidence and save money.
Car Insurance Calculator New York
Updated: May 12, 2025
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Get New York Car Insurance Estimates
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$226
High
$121
Average
$67
Low
Rates updated:
Jun 09, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 80 /of 100 | $67 | |
| 2 | 91 /of 100 | $80 | |
| 3 | 92 /of 100 | $101 | |
| 4 |  GEICO | 82 /of 100 | $116 |
| 5 | 75 /of 100 | $135 | |
| 6 | 78 /of 100 | $226 |
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Key Takeaways
Insurers in New York will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in New York can range anywhere from $1,145 to $5,300 per year depending on a variety of factors.
To get the best deal on New York car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate New York Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage level before shopping to avoid unnecessary upselling. Consider your location, driving habits, vehicle and financial situation. Use our calculator to determine how much coverage you need.
Research Costs and Discounts for You
Check average car insurance costs in New York for your chosen coverage and driver profile to understand potential savings. Look for discounts you may qualify for to enhance your savings.
Research the Cheapest Providers for You
With your coverage and cost research in hand, gather provider estimates to identify potential savings. This will help you find the cheapest car insurance in New York for your needs.
Compare Multiple Providers Through Many Avenues
Comparing providers can lead to significant savings in New York. Use various resources like comparison sites, brokers and direct agencies to find the best prices because they can vary for the same coverage.
Take advantage of New York-specific programs
New York offers a Impaired Driver Program that can save you up to 10% if eligible. Enrollment costs $75 to $233.
Consider Non-traditional Coverage Options
Options like pay-per-mile insurance suit lower-mileage drivers. Telematics insurance rewards good driving, and automaker programs may offer cost-effective alternatives.
What Affects Your New York Car Insurance Estimates?
Your car insurance premium in New York is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Click the links below to learn more about how each affects rates for New York drivers:
How Much Does Provider Chosen Affect New York Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates and quotes in New York. Depending on the provider, your rates can drop 56% or increase by as much as 102% compared to the average for New York drivers.
| Lowest | Progressive | $95 | $1,145 |
| Highest | Hanover | $442 | $5,300 |
How Much Does Age Affect New York Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for New York drivers. Depending on your age, your rates can go up as much as 121% or decrease by as much as 48% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 24 | $159 | $1,907 |
| Highest | 16 | $577 | $6,920 |
How Much Does Credit Affect New York Car Insurance Estimates?
We found that compared to other factors, credit scores are the 3rd most impactful when insurance companies determine rates. Depending on your credit, rates in New York can vary from $143 to $520 monthly for full coverage, but as your credit score goes up, your rates will go down.
| Lowest | Excellent | $143 | $1,720 |
| Highest | Poor | $520 | $6,243 |
How Much Does Coverage Affect New York Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates, with costs ranging from $1,451 per year for minimum coverage to $2,915 annually for full coverage. The higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive your rates will be.
| Lowest | State Minimum Liability Only | $121 | $1,451 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $243 | $2,915 |
How Much Does Driving Record Affect New York Car Insurance Estimates?
Your driving record is the 5th most influential factor changing car insurance rates in New York with rates changing up to 29%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $218 | $2,620 |
| Highest | DUI - BAC >= .08 | $335 | $4,022 |
New York Car Insurance Calculator: Bottom Line
Before you pick a car insurance plan, check out different costs and what each company offers. Then, use our calculator for an estimate. Compare lots of quotes to match them with what you've learned.
New York Car Insurance Estimate: FAQ
Below you will find answers to common questions about New York car insurance costs and estimates:
What is used to determine New York car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is New York car insurance on average?
In New York, average car insurance rates span from $100 per month to up to $400 monthly on average. Depending on your unique profile and coverage chosen, car insurance can range anywhere from $50 per month to up to $700 monthly on average.
How do I get the best car insurance in New York?
To secure optimal car insurance in New York, compare policy features, rates from providers, and utilize tools like car insurance calculators for accurate cost comparisons.
Explore desired coverage options, examine rates from various insurers, and use a car insurance calculator to determine the most cost-effective policy for you.
Our New York Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.