What affects your rate in New York
New York's average premium is 32% above the national average of $1,438, ranking #3 of 51 states by cost. NAIC cautions that state-to-state comparisons reflect differing coverage mixes, urban density and required coverages, not just carrier pricing.
How New York compares
| Benchmark | Per year |
|---|---|
| New York | $1,896 |
| National average | $1,438 |
| Most expensive — Florida | $1,994 |
| Cheapest — Maine | $926 |
Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).
About this estimate. The base figure is the NAIC combined average premium for New York (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan).