$2,567
Avg. Auto Insurance/Year
45% above national avg
$1,789
Avg. Home Insurance/Year
2% below national avg
#3
Cost Ranking (Most Expensive)
25/50/10
Minimum Liability Required
📰 For Journalists & Bloggers:
You may cite this data with attribution to InsureCompare.
Citation: "According to InsureCompare's 2025 State Insurance Rate Report,
the average New York driver pays $2,567 annually for car insurance,
which is 45% above the national average."
Source: InsureCompare.com
How New York Compares to National Average
Auto Insurance
New York: $2,567 vs National: $1,771
Home Insurance
New York: $1,789 vs National: $1,820
New York Minimum Insurance Requirements
| Coverage Type |
Minimum Required |
Recommended |
| Bodily Injury (per person) |
$25k |
$100k+ |
| Bodily Injury (per accident) |
$50k |
$300k+ |
| Property Damage |
$10k |
$100k+ |
Cheapest Car Insurance Companies in New York
| Company |
Avg. Annual Rate |
vs State Avg |
| GEICO |
$2,104 |
-18% |
| USAA (Military) |
$1,925 |
-25% |
| Progressive |
$2,258 |
-12% |
| State Farm |
$2,438 |
-5% |