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Auto insurance rates, minimum coverage requirements, and driver statistics for New York (NY).
Avg Annual Premium
$2,320
$594 above national avg
Cost Rank
#4
of 51 (most expensive first)
Fault System
No-Fault
Tort-based
Uninsured Rate
6.1%
of drivers
Min Liability
$760/yr
Legal minimum
Average Premium
$2,320/yr
State average
Full Coverage
$2,320/yr
Comprehensive + Collision
New York requires:
25/50 / 10 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $6,264 | $7,076 | $5,452 |
| 20-25 | $4,176 | $4,640 | $3,712 |
| 26-35 | $2,552 | $2,668 | $2,436 |
| 36-45 | $2,320 | $2,366 | $2,274 |
| 46-55 | $2,204 | $2,250 | $2,158 |
| 56-65 | $2,134 | $2,181 | $2,088 |
| 65+ | $2,436 | $2,506 | $2,366 |
Rates shown are annual averages for each age group in New York. Individual rates vary based on driving record, credit, and vehicle.
| Metric | New York | National Avg |
|---|---|---|
| Average Annual Premium | $2,320 | $1,726 |
| Uninsured Rate | 6.1% | 11.1% |
| Registered Vehicles | 16,564,819 | 5,330,804 |
| Accidents per Year | 248,472 | 79,962 |
Population
20,201,000
Registered Vehicles
16,564,819
Accidents per Year
248,472
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.