State profile · NY · CMS + NAIC
New York drivers average $1753/yr for auto insurance, ranked #2 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
New York runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1753 a year for auto cover, above the $1191 national average (the 2nd-most-expensive of 51 states), up 21% since 2019.
2019: $1446 average expenditure
$1,446 avg expenditure
2020: $1427 average expenditure
$1,427 avg expenditure
2021: $1495 average expenditure
$1,495 avg expenditure
2022: $1548 average expenditure
$1,548 avg expenditure
2023: $1753 average expenditure
$1,753 avg expenditure
What this shows New York drivers' average auto cost rose 21% between 2019 and 2023.
Year over year, New York's average auto expenditure rose 13.2% from 2022 to 2023, part of a 21% increase (+$307) since 2019. See the full 5-year state-by-state comparison.
New York auto rates in detail →New York: $1753/yr average auto expenditure (this state)
$1,753 avg expenditure
Florida: $1864/yr average auto expenditure
$1,864 avg expenditure
Louisiana: $1749/yr average auto expenditure
$1,749 avg expenditure
District of Columbia: $1677/yr average auto expenditure
$1,677 avg expenditure
No issuer-level claim-denial data is reported for New York in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
New York's 2023 average auto expenditure was $1753, 2nd of 51 jurisdictions by cost and 47.2% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
New York is one of 12 no-fault auto-insurance states: drivers file injury claims with their own insurer's Personal Injury Protection coverage regardless of who caused the accident, rather than suing the at-fault driver. New York's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, New York's closest peers in PlainInsurer's dataset are Louisiana ($1749/yr) and District of Columbia ($1677/yr) -- both within a few dollars of New York's own $1753/yr.
Border comparison. New York borders Connecticut, Massachusetts, New Jersey, Pennsylvania, and Vermont. New York's auto costs run higher than all of them, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
New York operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the New York Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.