Car Insurance for Age 36-45 in New York

Average auto insurance rates for 36-45 year old drivers in New York (NY), including male vs female rate comparison.

Avg Annual Rate

$2,320

$594 above national avg

Male Rate

$2,366/yr

Female Rate

$2,274/yr

Cost Rank

of 51 states

Male vs Female Rates — Age 36-45 in New York

Gender	Annual	Monthly	vs Average
Male	$2,366	$197	+$46
Female	$2,274	$190	$-46
Average	$2,320	$193	—

Male drivers aged 36-45 pay $92 more per year in New York.

All Age Groups in New York

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

Most & Least Expensive States for Age 36-45

Most Expensive

#1	Michigan	$2,700
#2	Louisiana	$2,600
#3	Florida	$2,500
#4	New York	$2,320
#5	Kentucky	$2,200
#6	Colorado	$2,100
#7	Georgia	$2,100
#8	California	$2,070
#9	Nevada	$2,070
#10	Oklahoma	$2,030

Least Expensive

#51	Maine	$900
#50	Vermont	$1,000
#49	New Hampshire	$1,050
#48	Idaho	$1,100
#47	Hawaii	$1,270
#46	Wisconsin	$1,280
#45	Ohio	$1,290
#44	North Carolina	$1,350
#43	Iowa	$1,350
#42	North Dakota	$1,360

New York Insurance Overview

State Avg Premium

$2,320/yr

Fault System

No-Fault

Uninsured Rate

6.1%

📊

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

How much does car insurance cost for age 36-45 in New York?

The average annual car insurance premium for 36-45 year olds in New York is $2,320 (about $193/month). This is $594 above the national average of $1,726 for this age group.

Do males or females pay more for car insurance at age 36-45 in New York?

In New York, male drivers aged 36-45 pay more — $2,366/yr for males vs $2,274/yr for females, a difference of $92 per year.

How does New York rank for age 36-45 insurance costs?

New York ranks #4 out of 51 states for car insurance costs for 36-45 year olds (most expensive first). The cheapest state for this age group is Maine at $900/yr, while Michigan is the most expensive at $2,700/yr.

Why is car insurance more expensive for age 36-45 in New York?

Insurance rates for 36-45 year olds in New York are influenced by the state's no-fault system, local accident rates (248,472/yr), uninsured driver rate (6.1%), and population density. New York has 16,564,819 registered vehicles.

How can 36-45 year olds save on car insurance in New York?

36-45 year olds in New York can save by: comparing quotes from multiple insurers (GEICO is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 36-45 Rates in Other States

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