Start Quote Compare New York car insurance rates and save on your future policy. How much does car policy cost in New York City ? not only do we find the overall cheap vehicles to insure, we break them out by segment to truly find the cheapest cable car policy in NYC .

  • The average cost of car insurance in New York City is $2,832 per year, or about $236 per month for full coverage.
  • Monthly car insurance rates for a few popular models in the city of New York include the Jeep Cherokee at $262, Toyota Highlander at $257, and Ford F150 at $229.
  • Small crossovers like the Mazda CX-30, Honda CR-V, and Chevrolet Trax are the top picks for cheap car insurance in NYC.
  • A few vehicles with segment-leading car insurance rates in New York include the Cadillac XT5 ($2,762 per year), Acura ILX ($2,626 per year), Chevrolet Blazer ($2,338 per year), and Mazda 6 ($2,608 per year).

How much does car insurance cost in New York City?

average car insurance price in New York City is $ 2,832 per year, or about $ 236 per calendar month for a policy that provides full moon coverage. It costs 88 % more to insure the median vehicle in NYC than the U.S. average rate of $ 1,506. In the state of New York, the average price for car indemnity is $ 1,618 per year, so the average monetary value in New York City is $ 1,214 more per year. When rates are compared to other cities in New York, the cost to insure a cable car in New York City is $ 1,232 per class more than in Buffalo, $ 594 per class more expensive than in Rochester, and $ 1,494 per class more expensive than in Syracuse.

The chart below shows average car insurance cost in New York, NY for all 2022 models. Rates are averaged for all NYC Zip Codes and shown not only by driver historic period, but besides by forcible damage deductibles. Get Rates in Your Area Why is this crucial ? Chart Data Details: Chart shows average New York car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all New York zip up codes.

Data last updated on December 30, 2021

Average Car Insurance Cost in New York City, NY

Average Car Insurance Cost in New York, NY
Driver Age Deductible Annual Cost Monthly Cost
20 $1,000 $4,772 $398
$500 $5,622 $469
$250 $6,516 $543
30 $1,000 $2,506 $209
$500 $2,982 $249
$250 $3,478 $290
40 $1,000 $2,396 $200
$500 $2,832 $236
$250 $3,288 $274
50 $1,000 $2,186 $182
$500 $2,578 $215
$250 $2,988 $249
60 $1,000 $2,146 $179
$500 $2,532 $211
$250 $2,934 $245

In the chart above, the cost of car insurance in New York ranges from $ 2,146 per class for a 60-year-old driver with a policy with high deductibles to $ 6,516 per year for a 20-year-old driver with a low deductible. From a monthly point of view, the median cost in the prior chart ranges from $ 179 to $ 543 per month. NYC car insurance rates are different for every driver and can besides be very different depending on the party. Since there can be such a large dispute in rates, it stresses the need for accurate unblock car indemnity quotes when shopping on-line for more low-cost car policy. The age of the driver influences the price you pay for car insurance. The list below illustrates these differences by breaking down average car insurance rates for driver ages from 16 to 60. Average car insurance rates in New York for drivers age 16 to 60

  • 16 year old – $10,148 per year or $846 per month
  • 17 year old – $9,478 per year or $790 per month
  • 18 year old – $8,850 per year or $738 per month
  • 19 year old – $8,004 per year or $667 per month
  • 20 year old – $5,622 per year or $469 per month
  • 30 year old – $2,982 per year or $249 per month
  • 40 year old – $2,832 per year or $236 per month
  • 50 year old – $2,578 per year or $215 per month
  • 60 year old – $2,532 per year or $211 per month

The rates in the tilt above for modal price of car indemnity for adolescent drivers assumed the gender of the driver was male. The next chart goes into more detail for adolescent car indemnity rates and breaks out car insurance price for teens by sex. Females are generally slenderly cheaper to insure than males, notably at younger ages. Get Rates in Your Area Why is this crucial ? Chart Data Details: Teenage driver rates are for the 2022 model class with $ 500 physical price deductibles. average car indemnity cost in New York includes all Zip Codes and fomite trim levels.

Data last updated on December 30, 2021

Car Insurance Cost for Teen Drivers in NYC

Average Car Insurance Cost in New York, NY for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male $10,148 $9,478 $8,850 $8,004
Female $8,934 $8,428 $7,678 $7,118

car policy for a 16-year-old female driver in New York City costs an average of $ 1,214 less per year than the cost to insure a 16-year-old male driver, while at old age 19, the cost dispute is smaller but males still pay $ 886 more per year .

The previously discussed car indemnity rates take the cost to insure each 2022 fomite model and average them, which is helpful for making adult picture comparisons like the cost deviation between two locations. modal car indemnity rates work very well when presented with a question like “ is car insurance cheap in NYC or Rochester ? ” or “ is car indemnity in the state of New York cheaper than Colorado ? ”. For deeper car insurance rate comparisons, however, the data will be more precise if we compare rates for the exact take and model of vehicle being insured. Each person vehicle mannequin has it ’ s own gamble profile for determining how much it costs to insure it and this data enables us to make more detail cost comparisons. This following chart shows average insurance price in NYC for a handful of the more popular vehicles. Get Rates in Your Area Why is this crucial ? Chart Data Details: Average New York car indemnity price is based on 2022 model year vehicles with safe driver and claim-free discounts applied. forcible wrong deductibles are $ 500 and rates are averaged for all New York Zip Codes.

Data last updated on February 7, 2022

NYC Car Insurance Rates for Popular Vehicles

NYC Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V $2,296 $191
Toyota Corolla $2,364 $197
Honda HR-V $2,490 $208
Subaru Crosstrek $2,490 $208
Nissan Rogue $2,506 $209
Subaru Forester $2,564 $214
Toyota Tacoma $2,594 $216
Ford F150 $2,742 $229
Toyota RAV4 $2,798 $233
Jeep Wrangler $2,848 $237
Toyota Camry $2,920 $243
Chevrolet Silverado $3,046 $254
Jeep Cherokee $3,146 $262
Ram Truck $3,232 $269
Chevrolet Corvette $3,558 $297

In New York City, which vehicles are cheapest to insure?

The vehicles with the lowest monetary value average car insurance prices in New York City tend to be crossovers and little SUVs like the Mazda CX-30, Honda CR-V, Buick Envision, and Kia Soul. average car policy rates for those crossing over SUVs price $ 2,328 or less per year to have entire coverage. other models that rank towards the exceed in our overall price comparison are the Nissan Kicks, Toyota Corolla, Hyundai Venue, and Chevrolet Colorado. average car insurance rates are a few dollars per calendar month higher for those models than the compact SUVs that rank and file near the top, but they still have average rates of $ 201 or less per calendar month. The following table details the cheapest vehicles to insure in NYC, ordered starting with the bum .

    Get Rates in Your Area Why is this crucial ? Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a cleanse drive read and no at-fault accidents. safe driver and claim-free discounts are applied to premiums. Full coverage physical price deductibles are $ 500 and rates are averaged for all Zip Codes in New York, NY.

    Data last updated on January 18, 2022

    Top 30 Cheapest Auto Insurance Rates in New York City A list of 30 vehicle models with cheap New York City car policy is big if you merely want the lowest rates. But considering we track over 700 vehicles, there are a fortune of rates not being shown. indeed lashkar-e-taiba ’ s rethink this and list the models with the lowest rates in a format that is more available, by automotive segment. The following section of this article further discusses the average price of car insurance for each vehicle section. This will provide a decent theme of the general vehicle types that have the overall least expensive NYC car indemnity rates. then the following six sections show the most low-cost car insurance for each segment .

    NYC auto insurance rates by vehicle segment

    If you ’ re shopping for a new or use vehicle, it ’ s in your best concern to know which kinds of vehicles are cheaper to insure. To illustrate this, possibly you ’ re wondering if midsize SUVs have cheaper indemnity than little SUVs or if grave duty pickups have more expensive indemnity than half-ton pickups. The chart below displays the average cost of car policy rates in New York City for different fomite segments. From a segment perspective, compendious and midsize SUVs, vans, and midsize pickups tend to have the best rates, with lavishness and operation models having the highest modal price to insure. Get Rates in Your Area Why is this authoritative ? Chart Data Details: Average New York car policy price by section is based on 2022 model year vehicles with safe driver and claim-free discounts applied. physical damage deductibles are $ 500 and rates are averaged for all New York Zip Codes.

    Data last updated on January 21, 2022

    New York City Auto Insurance Rates by Vehicle Segment

    New York Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV $2,588 $216
    Midsize Pickup $2,704 $225
    Compact Car $2,778 $232
    Midsize SUV $2,888 $241
    Minivan $2,938 $245
    Midsize Car $2,946 $246
    Half-ton Pickup $3,078 $257
    Compact Luxury SUV $3,186 $266
    Compact Luxury Car $3,212 $268
    Large SUV $3,250 $271
    Large Car $3,278 $273
    Heavy Duty Pickup $3,340 $278
    Midsize Luxury SUV $3,436 $286
    Midsize Luxury Car $3,748 $312
    Sports Car $3,996 $333
    Large Luxury SUV $4,294 $358
    Large Luxury Car $4,612 $384

    average rates by automotive segment are sufficient for overall comparisons, but the policy monetary value for specific vehicles ranges well within each vehicle segment listed in the above chart. For exemplar, in the midsize luxury cable car section, rates range from the Acura ILX at $ 2,626 per year for a full moon coverage policy astir to the BMW M5 at $ 4,902 per year. As another example, in the large hand truck segment, the price of indemnity ranges from the Ford F150 costing $ 2,742 per year up to the GMC Hummer EV Pickup at $ 3,606 per year, a remainder of $ 864 within that segment. In the adjacent sections, we reduce this unevenness by looking at car indemnity cost in NYC for particular vehicles .

    Cheapest cars to insure in New York City

    Ranking at the top of the list for the most low-cost New York City car policy rates in the non-luxury sedan or hatchback segment are the Honda Civic, Chevrolet Spark, Subaru Impreza, Kia Rio, and Toyota Corolla. cable car policy prices for these vehicles average $ 2,504 or less per class, or around $ 209 per calendar month. other cars that social station well in our comparison are the Kia Forte, Mazda 3, Nissan Sentra, and Mazda 6, with average policy monetary value of $ 2,664 per year or less. The cheapest compact cable car to insure in New York City is the Chevrolet Spark at $ 2,236 per year. For midsize cars, the Mazda 6 is cheapest to insure at $ 2,608 per year. And for bombastic cars, the Toyota Avalon has the best rates at $ 2,976 per year. The following table shows the models with the bum car insurance rates in NYC, ordered starting with the bum .

      Get Rates in Your Area Why is this significant ? Table Data Details: modal rates are based on 2022 model class, 40-year-old marry male driver with a clean tug record and no at-fault accidents. safe driver and claim-free discounts are applied to policy premium, which is averaged for all fomite trim levels. Full coverage physical damage deductibles are $ 500 and rates are averaged for all Zip Codes in New York, NY.

      Data last updated on January 17, 2022

      Cheapest Cars to Insure in New York City A few democratic car models that did not make the list include the Hyundai Sonata costing $ 3,298 per year, the Tesla Model 3 at an average of $ 3,110, and the Hyundai Elantra at $ 3,226. See our guides for compendious car insurance, midsize car insurance, and life-size car insurance to compare rates for all makes and models. Don’t see rates for your vehicle? No perspiration ! Enter your zip code code at the bottom of the above table and click the orange ‘ GO ’ button to get cheap NYC cable car indemnity quotes from top-rated companies in New York .

      Cheapest SUV insurance rates in NYC

      The Mazda CX-30 comes in at # 1 as the most budget-friendly non-luxury SUV to insure in New York City, followed closely by the Honda CR-V, Chevrolet Trax, Toyota C-HR, and Hyundai Kona. The 2022 model costs an average of $ 2,280 per year to insure for full coverage. other SUVs that are low-cost to insure are the Buick Envision, Kia Soul, Ford Ecosport, and Nissan Rogue Sport, with average rates of $ 2,352 per year or less. extra models that social station well include the Nissan Kicks, Jeep Compass, Mitsubishi Eclipse Cross, and Chevrolet Blazer, which cost between $ 2,352 and $ 2,434 per class for policy. car policy rates for this segment in NYC will start around $ 190 per calendar month, depending on your location and indemnity company. The table below ranks the twenty SUVs with the cheapest policy in New York, starting with the Mazda CX-30 at $ 190 per month and ending with the Toyota Corolla Cross at $ 203 per calendar month .

        Get Rates in Your Area Why is this important ? Table Data Details: average rates are based on 2022 model year, 40-year-old married male driver with a houseclean drive record and no at-fault accidents. safe driver and claim-free discounts are applied to policy agio, which is averaged for all vehicle trimming levels. Full coverage physical damage deductibles are $ 500 and rates are averaged for all Zip Codes in New York, NY.

        Data last updated on January 18, 2022

        Cheapest SUVs to Insure in New York City The front-runner SUVs of drivers in New York City don ’ thyroxine always have the best car policy rates. For example, some popular non-luxury SUVs that did not rank in the top 20 include the Ford Explorer at an modal of $ 2,714 per year ( $ 226 per month ), the Toyota Highlander at $ 3,082 ( $ 257 per month ), and the GMC Yukon at $ 3,222 ( $ 269 per calendar month ). See our guides for covenant SUV policy, midsize SUV insurance, and life-size SUV policy to view any vehicles not shown in the table. Don’t see insurance cost for your SUV? Enter your zip code code at the bottom of the table above and click the orange ‘ GO ’ button to get free car indemnity quotes from top car policy companies in New York .

        Cheapest sports car insurance rates in NYC

        Ranking highest for the cheapest New York City car policy rates in the sports car segment are the BMW Z4, Mazda MX-5 Miata, Ford Mustang, Toyota GR86, and Subaru WRX. policy rates for these models average $ 275 or less per month. not the cheapest in the list but still ranking well are cars like the Toyota GR Supra, BMW M3, Subaru BRZ, and Audi TT, with average cost of $ 3,670 per year or less. Full-coverage car policy in this segment for a middle-age safe driver starts at around $ 205 per calendar month, depending on the company. The table below ranks the sports cars with the brassy car insurance rates in New York. The following table breaks down the sports cars with the cheapest overall indemnity rates in NYC, sorted by annual and monthly insurance cost .

          Get Rates in Your Area Why is this important ? Table Data Details: average rates are based on 2022 exemplar year, 40-year-old married male driver with a clean drive record and no at-fault accidents. safe driver and claim-free discounts are applied to policy bounty, which is averaged for all fomite shipshape levels. Full coverage physical damage deductibles are $ 500 and rates are averaged for all Zip Codes in New York, NY.

          Data last updated on December 30, 2021

          Cheapest Sports Cars to Insure in NYC Looking for a different vehicle? That ’ s no problem ! Enter your energy code at the bottom of the above table and click the orange ‘ GO ’ clitoris to get absolve car insurance quotes from top-rated car insurance companies in New York .

          Cheapest pickup trucks to insure in New York City

          The crown four pickup trucks with the cheapest car insurance rates are the Chevrolet Colorado at $ 2,334 per class, Ford Maverick at $ 2,424 per year, Ford Ranger at $ 2,518 per year, and Toyota Tacoma at $ 2,594 per year. early pickups that have cheaper rates include the Honda Ridgeline, GMC Canyon, Nissan Frontier, and Ford F150, with an median car insurance cost of $ 2,786 per year or less. car indemnity rates in this segment for a middle-age safe driver starts at around $ 195 per month, depending on the company. The pace comparison postpone below ranks the pickup with the most low-cost car insurance rates in New York City, starting with the Chevrolet Colorado at $ 195 per calendar month and ending with the Ford F250 Super Duty at $ 281 per calendar month .

            Get Rates in Your Area Why is this important ? Table Data Details: average rates are based on 2022 model year, 40-year-old married male driver with a cleanse drive record and no at-fault accidents. safe driver and claim-free discounts are applied to policy premium, which is averaged for all fomite trim levels. Full coverage forcible damage deductibles are $ 500 and rates are averaged for all Zip Codes in New York, NY.

            Data last updated on February 11, 2022

            Cheapest Pickups to Insure in New York City For all pickup indemnity comparisons, see our guides for midsize pickup policy and big pickup insurance. Is your pickup truck missing from the table above? Enter your zip code code at the bottom of the table above and click the orange ‘ GO ’ button to get dislodge car insurance quotes from peak companies in New York .

            Cheapest luxury car insurance rates in NYC

            The Acura ILX ranks at # 1 for the cheapest luxury cable car model to insure, followed by the Mercedes-Benz A220, BMW 330i, Acura TLX, and Volvo S60. The 2022 exemplar averages $ 2,626 per year for full-coverage car insurance. other models that have cheaper rates are the BMW 330e, BMW 228i, BMW 230i, and BMW Z4, with average cost of $ 3,138 per class or less. Ranked in the penetrate half of the top 20 cheapest lavishness cars to insure, models like the Cadillac CT5, Lexus RC 350, Audi S3, Mercedes-Benz AMG CLA35, and Audi A4 cost between $ 3,138 and $ 3,282 per year to insure in New York City. From a monthly point of view, full-coverage car policy on this segment in New York for the average driver will start around $ 219 per month, depending on your company and localization. The following table ranks the cars with the cheapest average car indemnity rates in New York City, starting with the Acura ILX at $ 2,626 per year ( $ 219 per month ) and ending with the Audi A4 at $ 3,282 per class ( $ 274 per calendar month ) .

              Get Rates in Your Area Why is this crucial ? Table Data Details: average rates are based on 2022 mannequin class, 40-year-old married male driver with a clean drive read and no at-fault accidents. safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle spare levels. Full coverage physical damage deductibles are $ 500 and rates are averaged for all Zip Codes in New York, NY.

              Data last updated on December 30, 2021

              Cheapest Luxury Cars to Insure in NYC See our comprehensive guide for lavishness car policy to view data for vehicles not featured in the table. Need rates for a different vehicle? No problem ! Enter your nothing code at the bottomland of the table above and click the orange ‘ GO ’ release to get rid NYC car insurance quotes from top car policy companies in the state of New York .

              Cheapest luxury SUV insurance rates in New York City

              The four highest ranking luxury SUVs with the most low-cost car policy in New York City are the Acura RDX at $ 2,430 per class, Cadillac XT4 at $ 2,490 per year, Volvo XC40 at $ 2,728 per year, and Cadillac XT5 at $ 2,762 per year. not the cheapest, but calm in the top 10, are models like the Lexus NX 350, Lexus NX 350h, Lexus UX 250h, and BMW X1, with average indemnity price of $ 2,896 per year or less. Ranked from number 10 to 20, models like the Jaguar E-Pace, Lexus RX 450h, Lexus NX 450h, Mercedes-Benz GLB 250, Mercedes-Benz GLC300, and Infiniti QX50 price between $ 2,896 and $ 3,004 per class for full-coverage policy in NYC. car indemnity in New York for this segment for a safe driver can cost a moo as $ 203 per month, depending on where you live. When prices are compared by fomite size, the lowest-cost compact luxury SUV to insure is the Acura RDX at $ 2,430 per year. For midsize luxury models, the Cadillac XT5 is the cheapest model to insure at $ 2,762 per year. And for big luxury SUVs, the Volvo XC90 has the best rates at $ 3,204 per class. The rate comparison board below ranks the twenty dollar bill SUVs with the most low-cost policy in New York, starting with the Acura RDX at $ 203 per month and ending with the Mercedes-Benz GLC300 at $ 250 per calendar month .

                Get Rates in Your Area Why is this crucial ? Table Data Details: average rates are based on 2022 model year, 40-year-old married male driver with a clean drive record and no at-fault accidents. safe driver and claim-free discounts are applied to policy agio, which is averaged for all fomite trim levels. Full coverage physical damage deductibles are $ 500 and rates are averaged for all Zip Codes in New York, NY.

                Data last updated on January 17, 2022

                Cheapest Luxury SUVs to Insure in New York City See our usher for lavishness SUV insurance to view luxury vehicles not shown in the table. Need rates for a different luxury SUV? No problem ! Enter your zip up code at the bottom of the above table and click the orange ‘ GO ’ button to get cheap NYC cable car indemnity quotes from top companies in New York .

                How to find cheaper New York City auto insurance

                New York drivers should constantly be searching for ways to reduce the monthly expense for insurance, thus take a moment and read through the money-saving ideas in the list below and possibly you ’ ll find a way to save a little cash on your adjacent policy .

                • Credit ratings can impact car insurance rates. Insureds with excellent credit scores of 800+ could save an average of $445 per year compared to a slightly lower credit rating between 670-739. Conversely, a below average credit rating could cost as much as $515 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
                • Get better rates due to your employment. The vast majority of insurance companies offer discounts for certain professions like dentists, members of the military, scientists, police officers and law enforcement, nurses, and others. If your job can earn you this discount, you may save between $85 and $280 on your yearly car insurance bill, depending on the policy coverages selected.
                • Pay small claims out-of-pocket. Car insurance companies give a discounted rate for not filing any claims. Insurance should be used to protect you from significant financial loss, not nickel-and-dime type claims.
                • Qualify for discounts to save money. Discounted rates may be available if the insured drivers belong to certain professional organizations, choose electronic billing, insure their home and car with the same company, are loyal customers, work in certain occupations, or many other discounts which could save the average NYC driver as much as $480 per year on their insurance cost.
                • Shop around anytime. Taking the time to get a few free car insurance quotes could save you a significant amount. Companies make rate modifications frequently and switching to a different company is very easy to do.
                • The higher the deductibles, the lower the cost. Raising the comprehensive and collision deductibles from $500 to $1,000 could save around $234 per year for a 40-year-old driver and $450 per year for a 20-year-old driver.
                • Choose a vehicle with cheaper auto insurance rates. Vehicle type has a huge impact on the cost of auto insurance. As an example, a Subaru Forester costs $3,302 less per year to insure in New York than a Nissan GT-R. Lower performance vehicles save money.

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