New York
New York auto insurance averages — $1,752.55 per year in 2023, ranked #2 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Average premiums and expenditures for private passenger auto insurance, 2019–2023. Source: NAIC.
5-Year Auto Insurance Premium Trend — New York
| 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 |
New York vs. National Average (2023)
New York drivers paid an average of $1,752.55 for auto insurance in 2023 per the NAIC Auto Insurance Database Average Premium Supplement (June 2025), placing the state at rank #2 of 51 nationally by average expenditure. Compared to the national average of $1,190.78, New York premiums run 47.2% higher. Average expenditure is the industry term for what the typical driver actually paid — it blends liability ($1,116), collision ($541.06), and comprehensive ($238.96) premiums weighted by how often each coverage was purchased in the state.
Looking at the five-year window from 2019 to 2023, New York auto insurance expenditure changed by +21.2% — a sharp rise that outpaced most states. The drivers of state-by-state premium variation are well documented in NAIC research: population density, repair labor costs, uninsured-motorist share, fraud litigation environment, and weather exposure (hail, hurricanes, floods) all push combined premiums up or down. Combined premium in New York for 2023 sits at $1,895.99 — this figure sums liability, collision, and comprehensive without weighting for purchase mix, so it runs higher than the expenditure number shown above.
Practical takeaway for New York drivers: state averages are useful for benchmarking but not predictive of what any individual driver will pay. Your personal premium depends on your driving record, vehicle make and model, coverage limits, deductibles, credit-based insurance score (where state law permits), prior insurance history, and the specific insurer you choose. Quote at least three carriers and compare identical coverage limits to see how your profile maps to market rates in New York. If your premium diverges sharply from the state average shown here, that's a signal to shop more aggressively — and to check the state-level complaint rankings for any carrier that quotes you an unusually low rate. This page is informational only and does not constitute financial, legal, or insurance advice; verify current rates with licensed carriers in New York before making a purchase.
Read our methodology — how this data is sourced, computed, and verified.