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Auto insurance regulation, rate filings, and editorial coverage for New York. AutoInsureWire summarizes reporting from primary publishers and links outbound to original sources.
Latest from New York
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Coverage requirements, decoded
| Coverage type | New York requires | Recommended |
|---|---|---|
| Bodily injury liability | 25/50 | 100/300 |
| Property damage liability | 10 | 100 |
| Uninsured motorist | 25/50 | Match liability |
| PIP / Med-pay | $50,000 | $10,000+ |
| No-fault | Yes | — |
What you'd pay, roughly
Quick directional estimate using public NAIC base rates and standard underwriting multipliers. Real quotes will vary — call for binding numbers.
Estimator is informational only. Multipliers are public-rate-filing approximations. Actual quotes depend on full underwriting.
New York premium data, decoded
3 tables · NAIC + DOI verifiedStatewide averages mask 4–5x variation by ZIP, age, and carrier appetite. Use these tables to benchmark your own quotes — if you're paying more than the column for your bracket, shop.
Average annual premium by driver age
New York · single driver · clean record · 2018+ sedan · ZIP-weighted state average
| Age band | Full coverage | State minimum |
|---|---|---|
| 16–19 | $8,740 | $3,180 |
| 20–24 | $5,620 | $1,985 |
| 25–34 | $4,120 | $1,340 |
| 35–54 | $3,480 | $1,014 |
| 55–64 | $3,210 | $952 |
| 65+ | $3,340 | $988 |
Average annual premium by city
New York · top 5 metros · full-coverage average · 35-yr-old single driver, clean record
| City | Full coverage | vs. state avg |
|---|---|---|
| New York City | $5,420 | +34% |
| Buffalo | $3,140 | −22% |
| Rochester | $2,980 | −26% |
| Syracuse | $2,840 | −30% |
| Albany | $3,210 | −20% |
Top carriers by New York market share
Direct premiums written · personal auto · % of state market
Cheapest carriers in New York
Clean-record · 35yo · full coverageAverages for a 35-year-old single driver, clean record, 2020+ sedan, 100/300/100 limits. Source: NAIC + carrier rate filings, verified May 9, 2026. Your quote will vary.
Frequently asked, answered locally.
State minimums are a legal floor, not a recommendation. Most consumer advocates suggest 100/300/100 for any driver with savings, home equity, or future earnings to protect. Compare quotes annually — the price gap between best and worst quote in New York routinely exceeds $700 a year.
Talk to a New York agent · (844) 833-2056 →