New York Car Insurance: Typical Monthly Costs (Baseline)

Use this page as a NY reference baseline, then estimate your own premium in the calculator.

Average monthly cost in New York (reference)

Liability-only: $158/mo

Full coverage: $178/mo

Note: This is a statewide average reference. Your exact premium varies by ZIP, vehicle, record, and coverage.

NY minimum requirements (summary)

New York requires liability coverage, plus additional mandatory elements (e.g., personal injury protection and uninsured motorist coverage). To avoid publishing incorrect numeric limits, the exact limits are marked for verification using your chosen source.

Pending verification: exact required liability + PIP + UM limits.

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Disclaimer: informational estimates only. Not insurance advice or a binding quote.