New York vs Texas Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Texas is $380/yr cheaper on average.

Fewer Uninsured

New York has a lower uninsured rate (6.1% vs 14.1%).

Rate & Coverage Comparison

Attribute	New York	Texas
Avg Annual Premium	$2,320	$1,940
Min Liability	$760	$640
Full Coverage	$2,320	$1,940
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.1%	14.1%
Registered Vehicles	16,564,819	23,899,720
Accidents/Year	248,472	358,495
Population	20,201,000	29,146,000

Minimum Coverage Requirements

New York

25/50 / 10 liability

Texas

30/60 / 25 liability

Premium Comparison

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

New YorkFull rates, age breakdown, requirements →TexasFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, New York or Texas?

Texas has cheaper car insurance, with an average annual premium of $1,940 compared to $2,320 in New York - a difference of $380 per year.

How do New York and Texas compare on fault systems?

New York uses a no-fault system while Texas uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in New York vs Texas?

New York requires 25/50 / 10 liability. Texas requires 30/60 / 25 liability. Minimum liability costs $760/yr in New York and $640/yr in Texas.

Which state has more uninsured drivers, New York or Texas?

Texas has a higher uninsured driver rate at 14.1%, compared to 6.1% in New York. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the New York vs Texas insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

New York

Texas

Avg Annual Premium

$2,320

$1,940

Min Liability

$760

$640

Full Coverage

$2,320

$1,940

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.1%

14.1%

Registered Vehicles

16,564,819

23,899,720

Accidents/Year

248,472

358,495

Population

20,201,000

29,146,000