New York Auto Insurance Guide

This covers medical bills and lost wages for you and your passengers regardless of who caused the accident.

Drivers with a clean history pay an average of $154 per month for liability, while those with recent incidents may see rates jump to $193 or more. Local Agents in Manhattan

Protects you if you're hit by a driver who doesn't have insurance. Average Costs and Saving Tips new york auto insurance

New York law requires all drivers to carry a minimum level of liability and "no-fault" insurance to remain legal on the road.

Major providers like Progressive often offer some of the most competitive rates for both minimum and full coverage in the state. This covers medical bills and lost wages for

Minimums of $25,000 per person and $50,000 per accident .

You can lower your premium by taking a defensive driving course , bundling home and auto policies, or opting for electronic billing. Average Costs and Saving Tips New York law

As of early 2026, the average cost for "full" coverage in New York is approximately , though rates in boroughs like Staten Island can be significantly higher.