New York auto insurance averages - $1,752.55 per year in 2023, ranked #2 of 51 states. NAIC Auto Insurance Database (June 2025 release).
New York sits above the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,752.55 ▲13.2% | $1,116 |
| 2022 | $1,548.26 ▲3.5% | $989 |
| 2021 | $1,495.29 ▲4.8% | $961 |
| 2020 | $1,426.50 ▼1.4% | $919 |
| 2019 | $1,446.14 | $935 |
Evidence lead: 2023 cost position
New York's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
2023 cost position
New York's $1,752.55 average expenditure ranks #2 of 51. This is the dataset's highest-cost tier. The comparison uses average expenditure—the blended amount paid across purchased coverages—not an individual quote or the unweighted sum of the component premiums.
Coverage-component signature
New York's most distinctive 2023 component is liability: $1,116.00, or 67.6% above the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Year-by-year shape
New York's only decline is a shallow -1.4% in 2020 — small enough that the five-year climb barely registers it. The largest annual movement is instead the 2023 reading at +13.2%, and the latest step is +13.2%. This is a rising series with one flat spot, not a genuine reversal.
Five-year movement
The 2019-to-2023 comparison for New York is +21.2%, the #20 change among 51 jurisdictions. The state therefore moved faster than most of the table, although the endpoint comparison can conceal pauses or reversals between those years. The year-by-year shape below provides that missing context.
Moderate registry context
In the linked NAIC-derived registry, New York has 5,933 complaints distributed across 45 companies. The two coverage ranks are #30 and #31 of 51, a middle-lower footprint. Read those denominators with the complaint profile itself; neither count is a normalized complaint rate or evidence about why average auto expenditure moved.
Nearest expenditure peers. By average expenditure, New York's closest peers in this dataset are Louisiana ($1,749.22) and District of Columbia ($1,676.99), both within a few dollars of New York's own $1,752.55.
Note on state comparisons: These averages reflect the mix of coverages purchased in New York, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
