New York Auto Insurance Calculator 2026
Estimate your auto insurance premium in New York (NY). New York rates are 32% above the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
Fill in your details to see your estimated auto insurance premium
New York Auto Insurance Overview
New York drivers pay approximately 32% more than the national average for auto insurance. The state premium factor is 1.32x relative to the national baseline.
New York Minimum Coverage Requirements
New York requires minimum liability coverage of 25/50/10 ($25,000/$50,000 bodily injury, $10,000 property damage).
New York requires Personal Injury Protection (PIP) with a minimum of $50,000.
New York requires uninsured/underinsured motorist (UM/UIM) coverage.
Note: No-fault state; PIP (basic no-fault) and UM/UIM required
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