How much is car insurance per month in New York?

The average monthly rate of car insurance in the Empire state is $145 for state-mandated minimum coverage and $341 a month for full coverage. Your own rate is likely to differ from the averages since it is based on a range of factors that apply to you and your situation. Your age, credit history and driving record all impact the rate you pay, as well as your car's age, make and model. You may be able to pay less than the average if you maintain a clean driving record and take advantage of all possible discounts.

Is New York a no-fault state?

Yes, New York is a no-fault state. This means if you are involved in an accident in the state of New York, each driver must file a claim with the insurance company, no matter who is ruled at fault. It also means you are required to carry personal injury protection (PIP) as a part of the state's minimum insurance requirements.

What is the best car insurance company in New York?

To find the best car insurance company in New York for your circumstances, you may want to consider your insurance priorities and narrow down companies based on these metrics. Some drivers may value low rates above all else, while others may want a company with outstanding customer satisfaction scores. Reflecting on your priorities and comparing quotes from companies that match your criteria may be a good strategy to find the best company for you.

What is the cheapest car insurance company in New York?

To find the cheapest car insurance company in New York, most insurance professionals recommend comparing quotes from multiple carriers. Every company has its own method for determining rates and offers different discounts, so one company may offer a better rate than another. Personal factors like your vehicle type, coverage selections and your driving record may impact your rate differently between companies.

Why is car insurance so expensive in New York?

Several factors may cause you to pay high auto insurance rates in New York. High urban density can contribute to increased rates of auto accidents and increased odds of accidents involving more expensive vehicles. However, New York is also a no-fault state, so it has higher minimum car insurance requirements than many other states. All of those factors tend to contribute to steeper auto insurance rates. Beyond these variables, the relatively high local risks of severe weather, theft and vandalism are also likely contributors to the high car insurance rates in New York. Still, individuals may be able to find rates below the state average by maintaining a clean record, pursuing discounts and shopping around for the best rates.

For credit based-based insurance scores:

These rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

For incident-based insurance rates:

Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction.

For age-based insurance rates:

Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

For teen insurance rates:

Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

For model-based insurance rates:

To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). For new vs used vehicles, we also included the following years in our calculations: 2016, 2017, 2018, 2019 (base) and 2020.

For gender-based insurance rates:

The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

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Average cost of car insurance in New York for 2025

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Updated Mar 19, 2025

In the state of New York, the average cost of car insurance is $4,093 per year for full coverage and $1,744 per year for minimum coverage.

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How much is car insurance in New York?

According to data from Quadrant Information Services, New York drivers pay an average of $4,093 per year for full coverage and $1,744 per year for minimum coverage car insurance. The average cost of full coverage car insurance in the U.S. is $2,678 for full coverage and $799 for minimum coverage. As one of the most populated states, New York drivers are more likely to be involved in accidents and file claims. To learn more about how much car insurance is in New York, Bankrate’s insurance editorial team took a deeper look at rates and coverage in the Empire State.

Key takeaways

The average cost of car insurance in New York per month is $145 for minimum coverage, while full coverage costs an average of $341 a month.
Drivers in New York who purchase full coverage pay an average rate that is 53 percent more than the national average.
Eighteen-year-old drivers on their own insurance policy pay the highest average insurance rates of all the driver profiles we analyzed.
New York drivers with poor credit-based insurance scores pay an average of 88 percent more for full coverage than a driver with a good credit-based insurance score.
Drivers who have vehicles that are higher in value and cost more to repair typically pay higher-than-average rates.

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New York car insurance rates by city

When looking at car insurance costs in New York, it's important to note that the average may vary depending on where you live in the state. If you are in one of New York's high-density urban areas, you may pay more for your coverage than those in more rural areas. This is due to the increased risk of accidents and other vehicle mishaps in areas with dense traffic patterns. Here are average rates for some of the state's cities and towns:

City	Avg. monthly full coverage premium	Avg. annual full coverage premium	Avg. savings vs. state average
Guilderland	$167	$2,003	-69%
Lake Pleasant	$165	$1,981	-70%
Ravena	$181	$2,177	-61%
Hankins	$243	$2,917	-34%
Jordan	$162	$1,946	-71%
Leonardsville	$182	$2,188	-61%
Pierrepont Manor	$159	$1,905	-73%
Masonville	$183	$2,192	-60%
Lawtons	$179	$2,146	-62%
Tonawanda	$175	$2,104	-64%
Albion	$172	$2,059	-66%
Rochester	$159	$1,912	-73%
Tallman	$262	$3,145	-26%
Stockton	$164	$1,970	-70%
Greenwood	$171	$2,051	-66%
New York	$387	$4,647	+13%
Bronx	$516	$6,191	+41%
Highland Mills	$239	$2,871	-35%
Uniondale	$379	$4,553	+11%
Callicoon Center	$246	$2,952	-32%
Port Jervis	$244	$2,925	-33%
Syracuse	$175	$2,098	-64%
Palatine Bridge	$163	$1,960	-70%
Roseboom	$185	$2,223	-59%
Antwerp	$158	$1,893	-74%
Chaumont	$159	$1,905	-73%
South Byron	$159	$1,910	-73%
Little Genesee	$170	$2,038	-67%
Elmira	$152	$1,818	-77%
Wilson	$177	$2,127	-63%
Walworth	$154	$1,850	-75%
Staten Island	$396	$4,758	+15%
White Plains	$248	$2,982	-31%
Central Valley	$241	$2,897	-34%
Commack	$296	$3,553	-14%
Saint James	$290	$3,485	-16%
Albany	$170	$2,044	-67%
Champlain	$156	$1,868	-75%
Sandusky	$176	$2,114	-64%
Black Creek	$174	$2,090	-65%
Addison	$168	$2,021	-68%
Odessa	$161	$1,932	-72%
Croton On Hudson	$238	$2,859	-35%
Brooklyn	$598	$7,176	+55%
Saint Albans	$493	$5,919	+36%
Westbury	$332	$3,985	-3%
Eastport	$249	$2,989	-31%
Southampton	$246	$2,955	-32%
Fort Hunter	$163	$1,958	-71%
Stuyvesant	$186	$2,234	-59%
Phoenix	$164	$1,970	-70%
Buffalo	$225	$2,705	-41%
Big Flats	$151	$1,816	-77%
Islandia	$302	$3,627	-12%
Medford	$275	$3,305	-21%
Water Mill	$246	$2,954	-32%
Pattersonville	$165	$1,977	-70%
Shokan	$208	$2,494	-49%
Ferndale	$259	$3,110	-27%
Summitville	$253	$3,032	-30%
Hague	$162	$1,938	-71%
De Kalb Junction	$163	$1,959	-71%
Tunnel	$170	$2,038	-67%
Springville	$179	$2,145	-62%
Byron	$163	$1,960	-70%
Fillmore	$174	$2,091	-65%
New City	$266	$3,193	-25%
Jamaica	$476	$5,716	+33%
Fleischmanns	$200	$2,395	-52%
Ancram	$197	$2,364	-54%
Hillsdale	$193	$2,320	-55%
Bakers Mills	$164	$1,965	-70%
North Granville	$161	$1,933	-72%
Lawrenceville	$162	$1,938	-71%
Wampsville	$164	$1,965	-70%
Chadwicks	$172	$2,063	-66%
Apalachin	$159	$1,905	-73%
Endicott	$158	$1,891	-74%
Corfu	$174	$2,087	-65%
Gasport	$177	$2,128	-63%
Cuba	$175	$2,097	-65%
Horseheads	$151	$1,806	-78%
Richfield Springs	$184	$2,204	-60%
Kill Buck	$171	$2,049	-67%
Wellsville	$169	$2,033	-67%
Warsaw	$178	$2,130	-63%
Jasper	$170	$2,035	-67%
West Shokan	$209	$2,512	-48%
Castle Point	$218	$2,612	-44%
Kauneonga Lake	$253	$3,031	-30%
Bronxville	$265	$3,182	-25%
Ridgewood	$427	$5,119	+22%
Centereach	$276	$3,311	-21%
Cutchogue	$249	$2,983	-31%
Delanson	$166	$1,987	-69%
East Jewett	$206	$2,476	-49%
South Cairo	$202	$2,425	-51%
Rhinebeck	$208	$2,501	-48%
Obernburg	$250	$2,995	-31%
Comstock	$161	$1,934	-72%
Mooers Forks	$157	$1,882	-74%
Sherrill	$168	$2,011	-68%
Candor	$160	$1,921	-72%
Clarence Center	$176	$2,115	-64%
Middlesex	$161	$1,937	-71%
West Point	$240	$2,881	-35%
North Branch	$245	$2,946	-33%
Groton	$164	$1,967	-70%
Long Island City	$445	$5,340	+26%
Miller Place	$276	$3,317	-21%
Port Jefferson Station	$277	$3,319	-21%
Petersburg	$174	$2,085	-65%
Willow	$209	$2,507	-48%
Middle Grove	$160	$1,917	-72%
Rodman	$160	$1,921	-72%
Port Gibson	$165	$1,979	-70%
South Wales	$180	$2,164	-62%
Branchport	$162	$1,944	-71%
Keuka Park	$162	$1,941	-71%
Erin	$162	$1,948	-71%
Ithaca	$163	$1,960	-70%
Old Forge	$170	$2,039	-67%
Atlanta	$167	$2,010	-68%
Whitesville	$173	$2,071	-66%
East Marion	$249	$2,984	-31%
Cherry Plain	$176	$2,110	-64%
Burlingham	$253	$3,032	-30%
Westbrookville	$249	$2,984	-31%
Sabael	$163	$1,951	-71%
Brewerton	$160	$1,921	-72%
Pennellville	$164	$1,964	-70%
Morrisville	$167	$2,010	-68%
Parishville	$164	$1,964	-70%
Wayland	$168	$2,017	-68%
Clymer	$168	$2,018	-68%
Great Neck	$334	$4,013	-2%
Bayside	$414	$4,973	+19%
Jackson Heights	$438	$5,252	+25%
Farmingdale	$296	$3,548	-14%
Middle Island	$277	$3,323	-21%
Dormansville	$183	$2,194	-60%
Schenectady	$168	$2,016	-68%
Lake Huntington	$251	$3,008	-31%
Rainbow Lake	$163	$1,957	-71%
Solsville	$169	$2,023	-68%
East Amherst	$181	$2,174	-61%
Farmington	$152	$1,827	-77%
Randolph	$169	$2,027	-67%
Westfield	$165	$1,982	-69%
Constantia	$166	$1,989	-69%
Edwards	$163	$1,954	-71%
Bliss	$180	$2,159	-62%
Holley	$172	$2,059	-66%
Linwood	$169	$2,034	-67%
Naples	$165	$1,983	-69%
West Bloomfield	$156	$1,870	-75%
Pulteney	$169	$2,032	-67%
Tomkins Cove	$263	$3,155	-26%
Elmhurst	$440	$5,279	+25%
Cambria Heights	$478	$5,733	+33%
Far Rockaway	$467	$5,600	+31%
Jericho	$316	$3,787	-8%
Montauk	$246	$2,953	-32%
Salisbury Mills	$239	$2,871	-35%
Fabius	$163	$1,953	-71%
Eagle Bay	$169	$2,024	-68%
Yorkville	$175	$2,103	-64%
Chase Mills	$162	$1,939	-71%
Binghamton	$156	$1,871	-75%
Gainesville	$177	$2,129	-63%
Lancaster	$173	$2,078	-65%
Castile	$175	$2,097	-64%
Sonyea	$164	$1,965	-70%
Greenvale	$322	$3,870	-6%
Bayport	$284	$3,403	-18%
Central Bridge	$180	$2,162	-62%
Cropseyville	$172	$2,065	-66%
Pine Hill	$208	$2,495	-49%
Brookfield	$169	$2,032	-67%
Sherburne	$171	$2,050	-67%
Deposit	$173	$2,081	-65%
Attica	$168	$2,017	-68%
Farnham	$183	$2,202	-60%
Middle Granville	$162	$1,941	-71%
Memphis	$165	$1,985	-69%
Frankfort	$167	$2,000	-69%
Mendon	$156	$1,867	-75%
Shirley	$277	$3,321	-21%
Catskill	$199	$2,383	-53%
Amenia	$214	$2,569	-46%
Diamond Point	$162	$1,941	-71%
Mc Graw	$164	$1,970	-70%
Dexter	$158	$1,901	-73%
Bloomfield	$161	$1,926	-72%
Webster	$149	$1,789	-78%
Chemung	$161	$1,934	-72%
Hornell	$165	$1,976	-70%
Freeport	$376	$4,518	+10%
Bayville	$308	$3,697	-10%
East Moriches	$251	$3,013	-30%
Alcove	$182	$2,182	-61%
Duanesburg	$166	$1,987	-69%
Highland	$217	$2,606	-44%
Jamesville	$162	$1,946	-71%
West Burlington	$186	$2,227	-59%
Alexandria Bay	$158	$1,900	-73%
Collins Center	$179	$2,147	-62%
Lima	$166	$1,993	-69%
Baldwin Place	$240	$2,877	-35%
Katonah	$236	$2,832	-36%
Pleasantville	$234	$2,813	-37%
Nanuet	$264	$3,170	-25%
Cold Spring Harbor	$302	$3,625	-12%
Brainard	$178	$2,138	-63%
Hunter	$205	$2,459	-50%
Liberty	$263	$3,155	-26%
Athol	$163	$1,957	-71%
Munnsville	$166	$1,997	-69%
Sackets Harbor	$159	$1,905	-73%
East Pharsalia	$173	$2,074	-65%
Niagara University	$189	$2,266	-57%
Prattsburgh	$169	$2,032	-67%
Floral Park	$365	$4,375	+7%
Port Washington	$327	$3,924	-4%
Hollis	$456	$5,468	+29%
West Hempstead	$373	$4,479	+9%
Valley Stream	$376	$4,508	+10%
Ronkonkoma	$276	$3,314	-21%
Voorheesville	$164	$1,968	-70%
Purling	$203	$2,439	-51%
Wassaic	$215	$2,584	-45%
Bridgeport	$161	$1,931	-72%
Savannah	$159	$1,908	-73%
Andes	$197	$2,359	-54%
Pavilion	$174	$2,087	-65%
Armonk	$236	$2,838	-36%
Mountainville	$263	$3,155	-26%
Amityville	$309	$3,703	-10%
Kinderhook	$186	$2,228	-59%
Poestenkill	$171	$2,048	-67%
Wappingers Falls	$217	$2,609	-44%
Glen Wild	$253	$3,035	-30%
Dolgeville	$165	$1,975	-70%
Woodgate	$172	$2,067	-66%
Afton	$168	$2,014	-68%
Lake View	$179	$2,146	-62%
Beaver Dams	$159	$1,912	-73%
Lakemont	$162	$1,947	-71%
Clarksville	$173	$2,071	-66%
Quaker Street	$166	$1,989	-69%
Pond Eddy	$252	$3,026	-30%
White Lake	$258	$3,096	-28%
Lee Center	$170	$2,045	-67%
Sanborn	$178	$2,134	-63%
Limestone	$169	$2,030	-67%
Richburg	$168	$2,021	-68%
Lindley	$166	$1,995	-69%
Glen Spey	$252	$3,025	-30%
Garrattsville	$184	$2,212	-60%
Jordanville	$175	$2,106	-64%
Washington Mills	$168	$2,016	-68%
Williamstown	$167	$2,001	-69%
Vestal	$154	$1,852	-75%
Basom	$173	$2,074	-65%
Model City	$179	$2,147	-62%
Cherry Creek	$169	$2,025	-68%
West Clarksville	$167	$2,008	-68%
Canisteo	$170	$2,038	-67%
Kanona	$166	$1,994	-69%
East Rockaway	$362	$4,338	+6%
Arverne	$467	$5,600	+31%
Valley Falls	$170	$2,040	-67%
Canajoharie	$166	$1,997	-69%
Niagara Falls	$188	$2,253	-58%
Belfast	$171	$2,057	-66%
Medusa	$183	$2,197	-60%
Troy	$170	$2,038	-67%
Haines Falls	$212	$2,541	-47%
Newburgh	$238	$2,855	-36%
East Homer	$167	$1,999	-69%
Mamaroneck	$245	$2,945	-33%
Corona	$447	$5,368	+27%
Cohoes	$164	$1,964	-70%
Tribes Hill	$171	$2,056	-66%
Barrytown	$211	$2,536	-47%
Montgomery	$245	$2,940	-33%
Shushan	$161	$1,938	-71%
Lyon Mountain	$159	$1,909	-73%
La Fayette	$165	$1,985	-69%
Brier Hill	$164	$1,964	-70%
Mount Upton	$169	$2,029	-67%
Burt	$178	$2,140	-63%
Lyndonville	$174	$2,084	-65%
Smithtown	$293	$3,520	-15%
Hicksville	$310	$3,724	-9%
Hoosick Falls	$171	$2,053	-66%
South Otselic	$170	$2,042	-67%
Holland Patent	$173	$2,072	-66%
Norfolk	$162	$1,944	-71%
Conesus	$172	$2,064	-66%
Groveland	$170	$2,039	-67%
Nunda	$170	$2,039	-67%
Dundee	$160	$1,925	-72%
North Babylon	$312	$3,742	-9%
Huntington Station	$303	$3,642	-12%
Northville	$166	$1,987	-69%
Yulan	$252	$3,024	-30%
Central Square	$163	$1,955	-71%
Genoa	$164	$1,963	-70%
Averill Park	$172	$2,064	-66%
Leeds	$192	$2,310	-56%
Fallsburg	$268	$3,216	-24%
Stony Creek	$164	$1,969	-70%
Hubbardsville	$168	$2,012	-68%
Rensselaer Falls	$164	$1,963	-70%
Farmersville Station	$176	$2,112	-64%
Spring Brook	$178	$2,141	-63%
Victor	$151	$1,812	-77%
Middle Village	$413	$4,960	+19%
Flushing	$436	$5,236	+25%
Island Park	$362	$4,341	+6%
College Point	$414	$4,971	+19%
Wyandanch	$316	$3,797	-7%
East Greenbush	$171	$2,047	-67%
North Hoosick	$173	$2,075	-65%
Speculator	$166	$1,991	-69%
Tivoli	$209	$2,504	-48%
Poughkeepsie	$214	$2,573	-46%
Mountain Dale	$260	$3,117	-27%
Cambridge	$164	$1,964	-70%
Marcellus	$162	$1,940	-71%
West Monroe	$166	$1,993	-69%
Millport	$158	$1,893	-74%
Brentwood	$319	$3,828	-7%
Howells	$255	$3,059	-29%
Rockville Centre	$358	$4,295	+5%
Riverhead	$249	$2,990	-31%
Accord	$214	$2,563	-46%
Stanfordville	$214	$2,570	-46%
Eaton	$168	$2,012	-68%
Waccabuc	$238	$2,855	-36%
Holtsville	$273	$3,277	-22%
Peconic	$249	$2,984	-31%
Roxbury	$189	$2,272	-57%
Granville	$161	$1,932	-72%
Malone	$160	$1,922	-72%
Westernville	$171	$2,053	-66%
Brewster	$239	$2,863	-35%
Mount Vernon	$341	$4,089	-0%
Bellerose	$392	$4,700	+14%
Ocean Beach	$288	$3,454	-17%
Utica	$178	$2,137	-63%
Theresa	$160	$1,919	-72%
Owego	$159	$1,904	-73%
North Evans	$184	$2,202	-60%
Maple Springs	$170	$2,040	-67%
Watkins Glen	$161	$1,932	-72%
Thornwood	$236	$2,833	-36%
Elmont	$374	$4,490	+9%
Northport	$296	$3,548	-14%
Broadalbin	$165	$1,984	-69%
Climax	$194	$2,328	-55%
Lake Peekskill	$239	$2,870	-35%
Inwood	$384	$4,614	+12%
Rockaway Park	$459	$5,512	+30%
Great River	$291	$3,487	-16%
Moriches	$264	$3,163	-26%
Warnerville	$182	$2,181	-61%
Tillson	$213	$2,550	-46%
Redford	$157	$1,883	-74%
Mc Lean	$162	$1,943	-71%
Mannsville	$160	$1,926	-72%
Otego	$183	$2,195	-60%
Wells Bridge	$186	$2,236	-59%
East Bethany	$168	$2,010	-68%
Brookhaven	$276	$3,310	-21%
Halcottsville	$200	$2,403	-52%
Red Hook	$200	$2,398	-52%
Gouverneur	$160	$1,925	-72%
Glen Aubrey	$161	$1,932	-72%
Orchard Park	$178	$2,136	-63%
Goshen	$242	$2,908	-34%
Pearl River	$264	$3,168	-25%
Locust Valley	$309	$3,712	-10%
Sound Beach	$278	$3,341	-20%
Mastic	$274	$3,288	-22%
East Worcester	$184	$2,208	-60%
West Lebanon	$188	$2,260	-58%
Walden	$235	$2,824	-37%
Putnam Station	$160	$1,917	-72%
Liverpool	$158	$1,901	-73%
North Pitcher	$171	$2,054	-66%
Pulaski	$166	$1,995	-69%
Ilion	$169	$2,033	-67%
Depew	$179	$2,151	-62%
Amawalk	$236	$2,837	-36%
Millwood	$238	$2,856	-36%
East Setauket	$275	$3,300	-21%
Plainview	$311	$3,730	-9%
Mooers	$156	$1,870	-75%
Richville	$163	$1,962	-70%
Knowlesville	$169	$2,030	-67%
Ontario	$153	$1,832	-76%
Jacksonville	$163	$1,955	-71%
Bellvale	$257	$3,085	-28%
Garden City	$348	$4,172	+2%
Center Moriches	$255	$3,061	-29%
Barryville	$251	$3,017	-30%
Port Chester	$245	$2,941	-33%
Manhasset	$330	$3,954	-3%
Little Neck	$394	$4,722	+14%
Eagle Bridge	$164	$1,969	-70%
Whitehall	$161	$1,934	-72%
South Colton	$164	$1,965	-70%
Ripley	$166	$1,991	-69%
Lockwood	$160	$1,919	-72%
Elmsford	$249	$2,987	-31%
Circleville	$242	$2,899	-34%
Woodside	$419	$5,029	+21%
Fultonham	$183	$2,193	-60%
North Blenheim	$184	$2,210	-60%
Cornwall	$238	$2,851	-36%
Pine Bush	$241	$2,892	-34%
Highland Lake	$254	$3,046	-29%
Kattskill Bay	$161	$1,928	-72%
Mottville	$161	$1,930	-72%
Waterloo	$156	$1,870	-75%
Milford	$183	$2,191	-61%
Lockport	$178	$2,134	-63%
East Otto	$178	$2,131	-63%
Greenhurst	$169	$2,031	-67%
Verplanck	$238	$2,851	-36%
New Rochelle	$264	$3,170	-25%
South Jamesport	$253	$3,035	-30%
Malden Bridge	$190	$2,279	-57%
Rensselaerville	$184	$2,208	-60%
Gansevoort	$157	$1,885	-74%
Cato	$163	$1,954	-71%
Manlius	$163	$1,959	-71%
Clark Mills	$173	$2,078	-65%
Lowville	$166	$1,995	-69%
South New Berlin	$172	$2,062	-66%
Rushville	$157	$1,888	-74%
Ulster Park	$210	$2,520	-48%
Loch Sheldrake	$264	$3,172	-25%
Plattsburgh	$155	$1,863	-75%
Massena	$161	$1,935	-72%
Sardinia	$182	$2,188	-61%
Penn Yan	$159	$1,907	-73%
Dewittville	$165	$1,976	-70%
Peekskill	$236	$2,829	-37%
Whitestone	$413	$4,952	+19%
East Elmhurst	$458	$5,494	+29%
Sand Lake	$174	$2,086	-65%
East Durham	$197	$2,358	-54%
Bombay	$161	$1,929	-72%
East Syracuse	$159	$1,911	-73%
Cooperstown	$184	$2,207	-60%
Vernon Center	$169	$2,029	-67%
West Winfield	$180	$2,162	-62%
Laurens	$184	$2,209	-60%
Nichols	$159	$1,909	-73%
Irving	$182	$2,179	-61%
Alma	$171	$2,050	-67%
Ceres	$171	$2,048	-67%
Old Westbury	$329	$3,953	-3%
Alplaus	$164	$1,970	-70%
White Sulphur Springs	$254	$3,044	-29%
Fort Ann	$161	$1,933	-72%
Fair Haven	$162	$1,944	-71%
Scipio Center	$161	$1,929	-72%
Hamilton	$168	$2,016	-68%
Gerry	$163	$1,951	-71%
Tuckahoe	$258	$3,096	-28%
Astoria	$446	$5,349	+27%
South Richmond Hill	$477	$5,723	+33%
Baldwin	$368	$4,417	+8%
Roslyn Heights	$330	$3,965	-3%
Melville	$304	$3,643	-12%
Sagaponack	$261	$3,130	-27%
Ballston Lake	$158	$1,892	-74%
Gilboa	$189	$2,266	-57%
Melrose	$172	$2,062	-66%
Lagrangeville	$219	$2,633	-43%
Cranberry Lake	$162	$1,944	-71%
Aurora	$161	$1,936	-72%
Sylvan Beach	$169	$2,025	-68%
Hartsdale	$248	$2,979	-31%
South Glens Falls	$156	$1,869	-75%
Piercefield	$161	$1,930	-72%
Dresden	$160	$1,917	-72%
Portageville	$176	$2,115	-64%
Panama	$167	$2,009	-68%
Slate Hill	$243	$2,917	-34%
Nesconset	$287	$3,449	-17%
Fonda	$167	$2,000	-69%
Salem	$161	$1,926	-72%
Cadyville	$156	$1,878	-74%
Whippleville	$162	$1,940	-71%
Minoa	$160	$1,918	-72%
Hancock	$189	$2,263	-58%
East Aurora	$178	$2,131	-63%
Adams Basin	$155	$1,862	-75%
Sea Cliff	$308	$3,697	-10%
Oswego	$162	$1,947	-71%
Croghan	$165	$1,984	-69%
Rome	$170	$2,040	-67%
Watertown	$159	$1,913	-73%
Derby	$186	$2,229	-59%
Tarrytown	$237	$2,848	-36%
Greenville	$195	$2,342	-54%
Mount Marion	$200	$2,402	-52%
North Creek	$161	$1,935	-72%
Wevertown	$161	$1,930	-72%
Verona Beach	$167	$2,002	-69%
Springfield Center	$183	$2,195	-60%
Marathon	$165	$1,978	-70%
Smithboro	$167	$2,006	-68%
Walton	$189	$2,267	-57%
Montour Falls	$160	$1,920	-72%
Cameron Mills	$169	$2,022	-68%
Johnson	$252	$3,030	-30%
Fresh Meadows	$420	$5,038	+21%
Kew Gardens	$452	$5,423	+28%
Amagansett	$248	$2,982	-31%
East Chatham	$190	$2,285	-57%
Freeville	$163	$1,953	-71%
Edmeston	$184	$2,213	-60%
Felts Mills	$161	$1,932	-72%
Thousand Island Park	$159	$1,905	-73%
Whitney Point	$162	$1,946	-71%
Angola	$184	$2,203	-60%
Clifton Springs	$153	$1,840	-76%
Lyons	$154	$1,851	-75%
Caneadea	$173	$2,076	-65%
West Edmeston	$174	$2,086	-65%
Corbettsville	$160	$1,922	-72%
Varysburg	$176	$2,107	-64%
Saint Bonaventure	$171	$2,056	-66%
Interlaken	$160	$1,926	-72%
Cattaraugus	$176	$2,112	-64%
Sinclairville	$165	$1,974	-70%
Cameron	$168	$2,021	-68%
Falconer	$164	$1,968	-70%
Steamburg	$169	$2,027	-68%
Newfield	$165	$1,974	-70%
Nyack	$262	$3,147	-26%
Queens Village	$455	$5,458	+29%
South Bethlehem	$175	$2,105	-64%
Glenford	$212	$2,547	-47%
Cornwall On Hudson	$235	$2,820	-37%
Hinckley	$172	$2,065	-66%
Davenport	$188	$2,256	-58%
Scottsburg	$170	$2,036	-67%
East Randolph	$173	$2,081	-65%
Hinsdale	$167	$2,006	-68%
Corning	$153	$1,831	-76%
Mecklenburg	$161	$1,926	-72%
South Salem	$238	$2,861	-35%
Rosedale	$485	$5,817	+35%
Ellenville	$223	$2,677	-42%
Hudson Falls	$156	$1,866	-75%
Dickinson Center	$161	$1,932	-72%
Cleveland	$167	$2,008	-68%
Oriskany Falls	$170	$2,041	-67%
Adams Center	$159	$1,903	-73%
Batavia	$167	$2,002	-69%
Palmyra	$154	$1,848	-76%
Troupsburg	$170	$2,042	-67%
Kings Park	$293	$3,511	-15%
Kingston	$211	$2,532	-47%
Earlville	$168	$2,013	-68%
Harrisville	$163	$1,961	-70%
Colliersville	$179	$2,152	-62%
Smithville Flats	$169	$2,031	-67%
Fancher	$165	$1,975	-70%
Penfield	$149	$1,782	-79%
Cohocton	$168	$2,013	-68%
Blauvelt	$264	$3,169	-25%
Greenwood Lake	$248	$2,973	-32%
Tappan	$263	$3,159	-26%
Stony Brook	$277	$3,326	-21%
Ballston Spa	$160	$1,919	-72%
West Sand Lake	$171	$2,052	-66%
Chelsea	$217	$2,605	-44%
Walker Valley	$223	$2,671	-42%
Middleville	$169	$2,030	-67%
Verona	$166	$1,995	-69%
Whitesboro	$172	$2,067	-66%
Limerick	$158	$1,890	-74%
Oswegatchie	$163	$1,958	-71%
Nineveh	$164	$1,967	-70%
Canaseraga	$170	$2,045	-67%
Glenfield	$168	$2,021	-68%
Collins	$178	$2,131	-63%
Retsof	$170	$2,040	-67%
Monroe	$252	$3,023	-30%
Charlotteville	$187	$2,246	-58%
Middleburgh	$183	$2,202	-60%
Oneida	$166	$1,992	-69%
Unadilla	$186	$2,229	-59%
Java Center	$181	$2,167	-62%
Lakeville	$167	$2,005	-68%
Angelica	$171	$2,053	-66%
Islip Terrace	$300	$3,596	-13%
Schodack Landing	$171	$2,054	-66%
Margaretville	$198	$2,378	-53%
Stone Ridge	$209	$2,514	-48%
Cortlandt Manor	$236	$2,833	-36%
West Harrison	$241	$2,887	-35%
Port Ewen	$210	$2,518	-48%
Hannibal	$165	$1,977	-70%
Truxton	$167	$1,999	-69%
Caledonia	$168	$2,010	-68%
Ontario Center	$156	$1,874	-74%
Chautauqua	$172	$2,065	-66%
Stow	$167	$2,003	-69%
Spencer	$162	$1,940	-71%
Sag Harbor	$246	$2,954	-32%
Schaghticoke	$167	$2,009	-68%
Lisle	$161	$1,936	-72%
Findley Lake	$168	$2,021	-68%
Lakewood	$163	$1,952	-71%
Hammondsport	$170	$2,034	-67%
Woodhull	$169	$2,029	-67%
Lake Clear	$160	$1,921	-72%
Homer	$163	$1,955	-71%
Russell	$163	$1,954	-71%
East Meredith	$187	$2,247	-58%
Ransomville	$177	$2,121	-63%
Strykersville	$180	$2,159	-62%
Sodus Point	$157	$1,883	-74%
Himrod	$160	$1,915	-72%
Ardsley	$250	$2,994	-31%
Carle Place	$333	$4,000	-2%
Hempstead	$385	$4,623	+12%
Stephentown	$176	$2,117	-64%
Bloomington	$210	$2,517	-48%
Hensonville	$205	$2,460	-50%
New Windsor	$241	$2,886	-35%
Kenoza Lake	$250	$2,994	-31%
Swan Lake	$259	$3,104	-27%
Vermontville	$160	$1,923	-72%
Elbridge	$160	$1,917	-72%
Inlet	$166	$1,992	-69%
Great Bend	$160	$1,921	-72%
Forestville	$169	$2,033	-67%
Middleport	$177	$2,118	-64%
Silver Springs	$176	$2,116	-64%
Portland	$165	$1,978	-70%
Kennedy	$162	$1,947	-71%
Arkport	$164	$1,972	-70%
Slaterville Springs	$164	$1,969	-70%
Tannersville	$204	$2,444	-50%
Clintondale	$222	$2,662	-42%
Grahamsville	$245	$2,944	-33%
Clockville	$167	$2,001	-69%
Chenango Forks	$163	$1,957	-71%
Oneonta	$183	$2,199	-60%
Fairport	$149	$1,785	-79%
Friendship	$172	$2,066	-66%
Trumansburg	$164	$1,966	-70%
Shrub Oak	$236	$2,832	-36%
Long Beach	$366	$4,391	+7%
Old Bethpage	$310	$3,716	-10%
Gardiner	$217	$2,602	-45%
Queensbury	$154	$1,846	-76%
Baldwinsville	$159	$1,907	-73%
Perrysburg	$173	$2,078	-65%
Avoca	$165	$1,984	-69%
Hamburg	$174	$2,092	-65%
Kent	$173	$2,070	-66%
Manchester	$154	$1,847	-76%
Mahopac Falls	$243	$2,916	-34%
Yorktown Heights	$236	$2,829	-37%
Sterling Forest	$255	$3,058	-29%
Glen Cove	$308	$3,699	-10%
Arden	$258	$3,101	-28%
Middletown	$247	$2,964	-32%
Ozone Park	$485	$5,824	+35%
Chappaqua	$237	$2,843	-36%
Lawrence	$376	$4,509	+10%
Roslyn	$327	$3,930	-4%
Pelham	$271	$3,249	-23%
Hillburn	$264	$3,166	-26%
Forest Hills	$418	$5,020	+20%
East Meadow	$345	$4,141	+1%
Bellport	$274	$3,291	-22%
New Suffolk	$258	$3,099	-28%
Niverville	$183	$2,197	-60%
Claryville	$223	$2,673	-42%
Conklin	$155	$1,854	-75%
South Kortright	$190	$2,286	-57%
Bolivar	$172	$2,058	-66%
Sloansville	$179	$2,152	-62%
Kirkville	$161	$1,931	-72%
Geneseo	$168	$2,012	-68%
Coram	$278	$3,332	-20%
Buskirk	$169	$2,031	-67%
Harpursville	$163	$1,957	-71%
Bowmansville	$176	$2,107	-64%
Avon	$168	$2,018	-68%
Rexville	$170	$2,043	-67%
Southfields	$247	$2,966	-32%
Copiague	$311	$3,727	-9%
Sayville	$283	$3,398	-19%
Slingerlands	$168	$2,020	-68%
Connelly	$206	$2,471	-49%
Copake Falls	$195	$2,336	-55%
Philmont	$194	$2,331	-55%
Wingdale	$220	$2,635	-43%
Rye	$245	$2,946	-33%
Maryknoll	$239	$2,870	-35%
Ossining	$238	$2,854	-36%
Bear Mountain	$263	$3,160	-26%
Purchase	$243	$2,918	-34%
Greenport	$249	$2,983	-31%
Annandale On Hudson	$213	$2,554	-46%
Woodridge	$270	$3,234	-23%
Bolton Landing	$162	$1,949	-71%
North River	$163	$1,956	-71%
Schuylerville	$159	$1,914	-73%
Potsdam	$164	$1,965	-70%
Barton	$159	$1,912	-73%
Glenwood	$186	$2,226	-59%
Warwick	$245	$2,944	-33%
Maspeth	$410	$4,918	+18%
Fultonville	$169	$2,025	-68%
Rexford	$157	$1,879	-74%
Surprise	$199	$2,388	-53%
West Camp	$209	$2,504	-48%
Hopewell Junction	$218	$2,620	-44%
Pine Plains	$200	$2,404	-52%
Lake George	$160	$1,925	-72%
Versailles	$175	$2,106	-64%
Buchanan	$237	$2,850	-36%
Rock Hill	$252	$3,022	-30%
Saint Johnsville	$164	$1,965	-70%
Ouaquaga	$161	$1,936	-72%
Boston	$184	$2,204	-60%
Lewiston	$181	$2,175	-61%
North Collins	$181	$2,167	-62%
Great Valley	$169	$2,029	-67%
Rushford	$177	$2,126	-63%
Purdys	$237	$2,842	-36%
Woodbury	$309	$3,711	-10%
Coeymans Hollow	$182	$2,186	-61%
Acra	$204	$2,448	-50%
Cochecton Center	$255	$3,054	-29%
Mongaup Valley	$260	$3,117	-27%
Brant Lake	$162	$1,945	-71%
North Lawrence	$162	$1,940	-71%
Saranac	$157	$1,882	-74%
Nedrow	$176	$2,107	-64%
Clayville	$168	$2,022	-68%
Brasher Falls	$161	$1,928	-72%
Pyrites	$164	$1,964	-70%
Hobart	$192	$2,307	-56%
Geneva	$156	$1,866	-75%
Salamanca	$169	$2,023	-68%
Caroga Lake	$167	$2,000	-69%
Port Byron	$161	$1,926	-72%
Brantingham	$169	$2,023	-68%
Redfield	$166	$1,990	-69%
Van Hornesville	$175	$2,105	-64%
West Leyden	$168	$2,016	-68%
Wainscott	$251	$3,012	-30%
Phoenicia	$213	$2,556	-46%
Monticello	$265	$3,176	-25%
Glens Falls	$156	$1,870	-75%
Pottersville	$160	$1,924	-72%
Peru	$156	$1,869	-75%
Martville	$163	$1,954	-71%
Trout Creek	$189	$2,267	-57%
Briarcliff Manor	$236	$2,828	-37%
Garrison	$239	$2,865	-35%
Oyster Bay	$310	$3,721	-10%
Selden	$276	$3,316	-21%
Athens	$196	$2,356	-54%
Yonkers	$322	$3,869	-6%
Oakland Gardens	$411	$4,937	+19%
Bethpage	$301	$3,609	-13%
East Berne	$179	$2,146	-62%
Salt Point	$210	$2,519	-48%
Saratoga Springs	$158	$1,902	-73%
Stittville	$175	$2,095	-65%
Westdale	$171	$2,047	-67%
New Hampton	$243	$2,918	-34%
New Hyde Park	$333	$3,998	-2%
Lake Grove	$278	$3,341	-20%
East Quogue	$248	$2,971	-32%
Altamont	$163	$1,958	-71%
Earlton	$193	$2,320	-55%
Johnsburg	$164	$1,970	-70%
King Ferry	$162	$1,948	-71%
East Concord	$184	$2,203	-60%
Honeoye	$164	$1,963	-70%
Livonia	$167	$2,003	-69%
Lodi	$160	$1,924	-72%
West Haverstraw	$263	$3,159	-26%
Valhalla	$242	$2,901	-34%
Chester	$243	$2,910	-34%
Glen Oaks	$395	$4,739	+15%
Ancramdale	$197	$2,370	-53%
Hollowville	$194	$2,324	-55%
Blue Mountain Lake	$164	$1,971	-70%
Chateaugay	$161	$1,928	-72%
Cortland	$163	$1,961	-70%
Mallory	$165	$1,976	-70%
Hartwick	$184	$2,203	-60%
Little Falls	$164	$1,971	-70%
Cowlesville	$176	$2,108	-64%
Newark	$154	$1,848	-76%
South Lima	$164	$1,971	-70%
Little Valley	$174	$2,087	-65%
Alfred	$171	$2,050	-66%
Chittenango	$164	$1,974	-70%
Mount Kisco	$236	$2,832	-36%
Mount Sinai	$276	$3,316	-21%
Minetto	$164	$1,968	-70%
Union Springs	$161	$1,931	-72%
Castorland	$167	$1,999	-69%
Hammond	$163	$1,954	-71%
Maine	$161	$1,937	-71%
Norwich	$169	$2,026	-68%
Freedom	$177	$2,129	-63%
Frewsburg	$162	$1,946	-71%
Cayuta	$160	$1,919	-72%
Huletts Landing	$161	$1,929	-72%
Cassville	$170	$2,045	-67%
Conewango Valley	$172	$2,063	-66%
Belmont	$171	$2,058	-66%
Cold Spring	$236	$2,827	-37%
Jefferson	$188	$2,252	-58%
Big Indian	$212	$2,540	-47%
Fishkill	$217	$2,600	-45%
Cleverdale	$161	$1,928	-72%
Canton	$163	$1,951	-71%
La Fargeville	$157	$1,887	-74%
Ogdensburg	$163	$1,959	-71%
Bovina Center	$198	$2,373	-53%
Medina	$174	$2,086	-65%
Hamlin	$158	$1,900	-73%
Silver Lake	$166	$1,996	-69%
Campbell	$156	$1,873	-74%
Lansing	$164	$1,966	-70%
Montrose	$238	$2,850	-36%
Lynbrook	$361	$4,335	+6%
Westhampton Beach	$248	$2,971	-32%
Chatham	$191	$2,287	-57%
Esperance	$166	$1,993	-69%
Gloversville	$167	$2,005	-68%
Maplecrest	$204	$2,447	-50%
Wallkill	$224	$2,687	-41%
Kiamesha Lake	$261	$3,136	-26%
Parish	$168	$2,018	-68%
Depauville	$160	$1,923	-72%
Oxbow	$158	$1,893	-73%
Dunkirk	$163	$1,961	-70%
Hector	$163	$1,955	-71%
Goldens Bridge	$236	$2,830	-36%
Fort Montgomery	$240	$2,876	-35%
Hastings On Hudson	$253	$3,038	-30%
East Islip	$299	$3,586	-13%
Richmondville	$181	$2,171	-61%
Hudson	$194	$2,322	-55%
Cazenovia	$165	$1,984	-69%
Dryden	$163	$1,955	-71%
Fulton	$163	$1,955	-71%
Raquette Lake	$165	$1,981	-70%
Sauquoit	$168	$2,017	-68%
Three Mile Bay	$159	$1,908	-73%
Macedon	$152	$1,829	-76%
North Rose	$157	$1,882	-74%
Pine Valley	$159	$1,905	-73%
Sloatsburg	$264	$3,172	-25%
Rego Park	$426	$5,111	+22%
Bellmore	$346	$4,151	+1%
Chichester	$211	$2,537	-47%
Hurley	$212	$2,545	-47%
Mount Tremper	$211	$2,536	-47%
Rifton	$205	$2,455	-50%
Copake	$197	$2,364	-54%
Pawling	$220	$2,643	-43%
New Milford	$243	$2,918	-34%
Valley Cottage	$265	$3,177	-25%
Breezy Point	$458	$5,502	+29%
Levittown	$331	$3,967	-3%
Seaford	$327	$3,923	-4%
Orient	$249	$2,984	-31%
New Kingston	$207	$2,480	-49%
Cochecton	$247	$2,969	-32%
Long Eddy	$214	$2,566	-46%
Roscoe	$213	$2,554	-46%
Plainville	$162	$1,947	-71%
Morristown	$164	$1,964	-70%
West Oneonta	$185	$2,218	-59%
East Pembroke	$168	$2,019	-68%
Willard	$160	$1,924	-72%
Monsey	$273	$3,281	-22%
Palenville	$203	$2,435	-51%
South Fallsburg	$272	$3,260	-23%
Forestport	$171	$2,051	-66%
Elma	$174	$2,087	-65%
Seneca Castle	$157	$1,883	-74%
Ellington	$169	$2,028	-67%
Hawthorne	$236	$2,829	-37%
Mohegan Lake	$235	$2,821	-37%
Piermont	$262	$3,145	-26%
South Ozone Park	$480	$5,764	+34%
Bay Shore	$306	$3,674	-11%
Mastic Beach	$276	$3,307	-21%
Westhampton	$248	$2,972	-32%
Johnsonville	$169	$2,025	-68%
Malden On Hudson	$202	$2,424	-51%
Bethel	$268	$3,211	-24%
Fremont Center	$241	$2,896	-34%
Brainardsville	$161	$1,930	-72%
Red Creek	$159	$1,906	-73%
Franklin Springs	$175	$2,098	-64%
Greene	$168	$2,011	-68%
Barker	$176	$2,117	-64%
Point Lookout	$355	$4,260	+4%
Oakdale	$289	$3,473	-16%
Latham	$164	$1,974	-70%
Stuyvesant Falls	$185	$2,223	-59%
Harris	$258	$3,095	-28%
Pitcher	$171	$2,047	-67%
Seneca Falls	$158	$1,891	-74%
Warners	$163	$1,961	-70%
East Springfield	$185	$2,219	-59%
Poland	$172	$2,065	-66%
Stratford	$167	$2,010	-68%
Meridale	$189	$2,268	-57%
West Davenport	$189	$2,267	-57%
Fishers	$155	$1,864	-75%
Stamford	$188	$2,254	-58%
Cicero	$159	$1,911	-73%
Fort Drum	$165	$1,977	-70%
West Stockholm	$163	$1,957	-71%
Richford	$161	$1,930	-72%
Clarence	$177	$2,121	-63%
Harriman	$246	$2,947	-33%
Centerport	$293	$3,521	-15%
Marlboro	$224	$2,683	-42%
Hastings	$165	$1,983	-69%
Camden	$171	$2,048	-67%
Mc Donough	$169	$2,029	-67%
Stella Niagara	$176	$2,108	-64%
Leicester	$169	$2,022	-68%
Portville	$170	$2,043	-67%
Springfield Gardens	$483	$5,800	+35%
Burnt Hills	$162	$1,939	-71%
Fort Johnson	$166	$1,996	-69%
Waterford	$156	$1,868	-75%
Jewett	$207	$2,480	-49%
Nicholville	$163	$1,951	-71%
Bainbridge	$168	$2,012	-68%
West Henrietta	$153	$1,837	-76%
Jefferson Valley	$238	$2,862	-35%
Bullville	$261	$3,136	-26%
Shelter Island Heights	$249	$2,992	-31%
Preston Hollow	$186	$2,229	-59%
Argyle	$160	$1,915	-73%
Cossayuna	$162	$1,945	-71%
Warrensburg	$161	$1,936	-72%
Altmar	$167	$2,008	-68%
Newfane	$177	$2,129	-63%
East Williamson	$157	$1,885	-74%
Lily Dale	$163	$1,955	-71%
Eastchester	$258	$3,095	-28%
Syosset	$310	$3,715	-10%
East Hampton	$246	$2,951	-32%
Berlin	$175	$2,094	-65%
Valatie	$185	$2,224	-59%
Worcester	$182	$2,182	-61%
Tully	$163	$1,950	-71%
Tuxedo Park	$247	$2,961	-32%
Croton Falls	$238	$2,855	-36%
Haverstraw	$265	$3,174	-25%
Thompson Ridge	$241	$2,898	-34%
Malverne	$358	$4,294	+5%
Rocky Point	$278	$3,341	-20%
Yaphank	$278	$3,338	-20%
Feura Bush	$171	$2,049	-67%
Woodstock	$207	$2,484	-49%
Clinton Corners	$213	$2,561	-46%
Glenham	$215	$2,574	-46%
Burke	$161	$1,932	-72%
Lycoming	$161	$1,933	-72%
Sandy Creek	$167	$2,009	-68%
Lorraine	$162	$1,939	-71%
Hilton	$155	$1,860	-75%
Sharon Springs	$181	$2,170	-61%
Vernon	$167	$2,006	-68%
Port Jefferson	$275	$3,297	-22%
Delmar	$166	$1,992	-69%
Rhinecliff	$219	$2,625	-44%
Bloomingburg	$246	$2,948	-33%
Corinth	$158	$1,893	-73%
Rooseveltown	$163	$1,951	-71%
Sidney	$184	$2,204	-60%
Youngstown	$177	$2,121	-63%
Henrietta	$153	$1,831	-76%
Shelter Island	$248	$2,972	-32%
Piseco	$166	$1,991	-69%
Smyrna	$171	$2,046	-67%
Guilford	$170	$2,037	-67%
Java Village	$180	$2,158	-62%
Canandaigua	$157	$1,884	-74%
Ovid	$160	$1,921	-72%
Ashville	$163	$1,962	-70%
Bath	$165	$1,977	-70%
Ardsley On Hudson	$241	$2,896	-34%
Somers	$235	$2,821	-37%
Pine Island	$245	$2,938	-33%
High Falls	$212	$2,549	-46%
Castle Creek	$163	$1,953	-71%
Fredonia	$163	$1,962	-70%
Pultneyville	$164	$1,967	-70%
Sodus	$155	$1,866	-75%
Swain	$171	$2,055	-66%
Fishers Island	$269	$3,222	-24%
Summit	$185	$2,215	-60%
Round Top	$203	$2,435	-51%
Saint Regis Falls	$162	$1,941	-71%
Delphi Falls	$162	$1,946	-71%
Blossvale	$171	$2,050	-67%
Port Leyden	$169	$2,024	-68%
Taberg	$171	$2,052	-66%
Perkinsville	$168	$2,014	-68%
Schenevus	$184	$2,205	-60%
West Chazy	$156	$1,873	-74%
Deansboro	$172	$2,067	-66%
Carthage	$159	$1,912	-73%
Dobbs Ferry	$250	$2,996	-31%
Wantagh	$333	$3,998	-2%
Schoharie	$179	$2,153	-62%
Patterson	$238	$2,852	-36%
Morrisonville	$156	$1,869	-75%
Greig	$168	$2,019	-68%
Madrid	$163	$1,956	-71%
Philadelphia	$159	$1,909	-73%
Mumford	$161	$1,937	-71%
Romulus	$158	$1,895	-73%
Bemus Point	$165	$1,981	-70%
Cedarhurst	$374	$4,486	+9%
Nassau	$174	$2,088	-65%
Boiceville	$211	$2,528	-47%
Elka Park	$204	$2,448	-50%
Clifton Park	$153	$1,833	-76%
Meridian	$166	$1,997	-69%
Burlington Flats	$185	$2,220	-59%
Cape Vincent	$159	$1,908	-73%
Stafford	$164	$1,964	-70%
Hemlock	$166	$1,990	-69%
West Islip	$304	$3,645	-12%
Millerton	$211	$2,534	-47%
Staatsburg	$210	$2,519	-48%
Ellisburg	$160	$1,918	-72%
Star Lake	$163	$1,953	-71%
Hunt	$172	$2,058	-66%
Cross River	$238	$2,858	-36%
Irvington	$249	$2,988	-31%
Thiells	$265	$3,174	-25%
West Babylon	$306	$3,676	-11%
Johnstown	$165	$1,985	-69%
Claverack	$194	$2,326	-55%
Germantown	$194	$2,333	-55%
Thompsonville	$249	$2,989	-31%
Victory Mills	$161	$1,929	-72%
Clay	$159	$1,910	-73%
Erieville	$169	$2,024	-68%
Alder Creek	$172	$2,067	-66%
Oriskany	$173	$2,074	-65%
Adams	$159	$1,908	-73%
Colden	$183	$2,195	-60%
Morton	$159	$1,910	-73%
Franklinville	$175	$2,102	-64%
Pine City	$152	$1,821	-77%
Guilderland Center	$174	$2,089	-65%
Beaver Falls	$166	$1,989	-69%
New Berlin	$171	$2,058	-66%
West Eaton	$170	$2,038	-67%
Plessis	$158	$1,897	-73%
Alden	$181	$2,173	-61%
Alton	$163	$1,959	-71%
Reading Center	$163	$1,959	-70%
Palisades	$263	$3,151	-26%
Atlantic Beach	$376	$4,509	+10%
West Sayville	$288	$3,461	-17%
Amsterdam	$167	$2,002	-69%
Wawarsing	$217	$2,599	-45%
Holmes	$221	$2,646	-43%
Chazy	$156	$1,869	-75%
Fayetteville	$161	$1,930	-72%
Herkimer	$165	$1,974	-70%
Alfred Station	$170	$2,039	-67%
Breesport	$157	$1,881	-74%
Lowman	$157	$1,886	-74%
Williston Park	$331	$3,973	-3%
Huntington	$301	$3,614	-12%
Auburn	$162	$1,945	-71%
Fly Creek	$184	$2,213	-60%
Hoffmeister	$167	$2,001	-69%
Bible School Park	$162	$1,945	-71%
Kendall	$173	$2,073	-65%
Phelps	$155	$1,859	-75%
Sparkill	$262	$3,149	-26%
Howard Beach	$483	$5,797	+34%
Holbrook	$274	$3,293	-22%
Skaneateles	$162	$1,938	-71%
New Hartford	$173	$2,072	-66%
Black River	$159	$1,908	-73%
Clayton	$159	$1,904	-73%
Evans Mills	$159	$1,914	-73%
Henderson	$160	$1,921	-72%
Honeoye Falls	$159	$1,911	-73%
North Chili	$152	$1,820	-77%
Farmingville	$275	$3,305	-21%
Larchmont	$246	$2,956	-32%
Unionville	$246	$2,950	-32%
Greenlawn	$298	$3,576	-13%
Rensselaer	$169	$2,030	-67%
Rosendale	$213	$2,558	-46%
Belleville	$160	$1,917	-72%
Getzville	$181	$2,166	-62%
Van Buren Point	$165	$1,980	-70%
Rush	$157	$1,886	-74%
Bradford	$164	$1,972	-70%
Van Etten	$163	$1,953	-71%
Holland	$182	$2,188	-61%
Marilla	$179	$2,143	-63%
Shortsville	$153	$1,831	-76%
Washingtonville	$248	$2,980	-31%
North Salem	$238	$2,853	-36%
Stony Point	$263	$3,160	-26%
Campbell Hall	$248	$2,974	-32%
Highland Falls	$238	$2,855	-36%
Merrick	$348	$4,176	+2%
New Lebanon	$190	$2,281	-57%
Mellenville	$208	$2,500	-48%
Callicoon	$242	$2,905	-34%
Peterboro	$164	$1,965	-70%
Ava	$172	$2,066	-66%
West Falls	$180	$2,155	-62%
Wyoming	$176	$2,115	-64%
Wellsburg	$151	$1,818	-77%
Central Islip	$318	$3,821	-7%
Berne	$179	$2,146	-62%
Stillwater	$162	$1,949	-71%
Wynantskill	$171	$2,048	-67%
Cairo	$201	$2,415	-52%
Highmount	$209	$2,509	-48%
New Paltz	$214	$2,572	-46%
Rock Tavern	$240	$2,874	-35%
Etna	$166	$1,997	-69%
Sidney Center	$186	$2,234	-59%
Mount Morris	$169	$2,032	-67%
Pomona	$265	$3,177	-25%
Wading River	$272	$3,259	-23%
Maybrook	$248	$2,971	-32%
Phillipsport	$254	$3,051	-29%
Knoxboro	$180	$2,165	-62%
Waterville	$171	$2,046	-67%
De Peyster	$164	$1,964	-70%
Hamden	$193	$2,317	-55%
Le Roy	$165	$1,975	-70%
Quogue	$252	$3,026	-30%
Huguenot	$245	$2,939	-33%
Youngsville	$248	$2,980	-31%
Deer Park	$307	$3,680	-11%
Bangall	$216	$2,587	-45%
Forestburgh	$254	$3,046	-29%
Perry	$172	$2,063	-66%
Williamson	$155	$1,864	-75%
Rock Stream	$161	$1,938	-71%
Spring Glen	$215	$2,585	-45%
Bedford	$237	$2,841	-36%
Newtonville	$174	$2,091	-65%
Selkirk	$170	$2,039	-67%
Millbrook	$216	$2,587	-45%
Livingston Manor	$246	$2,951	-32%
Indian Lake	$164	$1,973	-70%
Camillus	$163	$1,953	-71%
Barneveld	$170	$2,045	-67%
Nelliston	$166	$1,987	-69%
Akron	$181	$2,167	-62%
Churchville	$153	$1,836	-76%
Pound Ridge	$238	$2,858	-36%
Cobleskill	$180	$2,163	-62%
Freehold	$201	$2,412	-52%
Woodbourne	$261	$3,128	-27%
Fort Edward	$154	$1,850	-75%
Canastota	$165	$1,977	-70%
Moravia	$164	$1,971	-70%
Cherry Valley	$183	$2,196	-60%
Chippewa Bay	$165	$1,974	-70%
Helena	$163	$1,959	-71%
Harpersfield	$191	$2,288	-57%
Westtown	$243	$2,911	-34%
Mill Neck	$310	$3,724	-9%
Windham	$206	$2,470	-49%
Parksville	$255	$3,059	-29%
Dannemora	$157	$1,882	-74%
Mexico	$164	$1,971	-70%
Richland	$166	$1,990	-69%
East Branch	$195	$2,341	-54%
Waterport	$173	$2,080	-65%
Spring Valley	$274	$3,284	-22%
Blue Point	$272	$3,266	-22%
Wurtsboro	$263	$3,150	-26%
Apulia Station	$163	$1,955	-71%
De Ruyter	$167	$2,005	-68%
New Lisbon	$184	$2,208	-60%
Gowanda	$178	$2,133	-63%
Springwater	$168	$2,011	-68%
Waverly	$159	$1,904	-73%
Richmond Hill	$476	$5,711	+33%
Massapequa Park	$303	$3,635	-12%
Hyde Park	$213	$2,555	-46%
Gilbertsville	$183	$2,198	-60%
Athol Springs	$181	$2,178	-61%
Orangeburg	$262	$3,148	-26%
Granite Springs	$236	$2,835	-36%
Scarsdale	$253	$3,035	-30%
Speonk	$253	$3,037	-30%
West Coxsackie	$190	$2,281	-57%
Fort Covington	$161	$1,928	-72%
Mc Connellsville	$171	$2,049	-67%
Westford	$185	$2,221	-59%
Stanley	$155	$1,866	-75%
Oakfield	$169	$2,033	-67%
Andover	$172	$2,067	-66%
Hampton Bays	$246	$2,955	-32%
Bedford Hills	$236	$2,832	-36%
Napanoch	$222	$2,660	-42%
Ellenburg Center	$159	$1,910	-73%
Rouses Point	$156	$1,868	-75%
Scio	$169	$2,033	-67%
Portlandville	$185	$2,216	-59%
Oak Hill	$198	$2,371	-53%
Lacona	$167	$2,009	-68%
Skaneateles Falls	$160	$1,914	-73%
Oxford	$167	$2,008	-68%
Mayville	$168	$2,010	-68%
Brooktondale	$163	$1,955	-71%
Suffern	$266	$3,197	-25%
Hewlett	$374	$4,490	+9%
Oceanside	$362	$4,342	+6%
Glen Head	$314	$3,770	-8%
Roosevelt	$387	$4,642	+13%
Brockport	$157	$1,881	-74%
Pittsford	$152	$1,826	-77%
Hagaman	$165	$1,985	-69%
Watervliet	$167	$1,998	-69%
Cornwallville	$205	$2,459	-50%
Kerhonkson	$216	$2,598	-45%
Milton	$220	$2,644	-43%
Ellenburg Depot	$157	$1,882	-74%
North Bangor	$161	$1,932	-72%
Salisbury Center	$169	$2,026	-68%
Alexander	$170	$2,044	-67%
Crittenden	$182	$2,187	-61%
Livonia Center	$168	$2,013	-68%
Spencerport	$152	$1,822	-77%
Brocton	$166	$1,988	-69%
Allegany	$168	$2,021	-68%
West Valley	$179	$2,146	-62%
Dansville	$167	$2,001	-69%
Marion	$154	$1,850	-75%
Allentown	$171	$2,057	-66%
Glenmont	$171	$2,053	-66%
Hampton	$161	$1,931	-72%
Riparius	$161	$1,934	-72%
Cincinnatus	$168	$2,011	-68%
Winthrop	$162	$1,949	-71%
Downsville	$195	$2,341	-54%
Painted Post	$154	$1,847	-76%
Austerlitz	$191	$2,296	-56%
Chestertown	$162	$1,947	-71%
Deer River	$166	$1,991	-69%
Blodgett Mills	$165	$1,981	-70%
Killawog	$160	$1,925	-72%
Mount Vision	$185	$2,215	-60%
Auriesville	$166	$1,993	-69%
Cuddebackville	$247	$2,964	-32%
Owls Head	$160	$1,922	-72%
South Butler	$160	$1,916	-72%
Elba	$165	$1,985	-69%
North Tonawanda	$180	$2,164	-62%
Scottsville	$154	$1,843	-76%
Savona	$165	$1,977	-70%
Silver Bay	$161	$1,930	-72%
Schuyler Lake	$180	$2,155	-62%
Brightwaters	$304	$3,645	-12%
Neversink	$247	$2,959	-32%
Tupper Lake	$160	$1,922	-72%
North Brookfield	$168	$2,021	-68%
Deferiet	$161	$1,926	-72%
Fishers Landing	$159	$1,903	-73%
Congers	$265	$3,184	-25%
Franklin Square	$359	$4,311	+5%
Lindenhurst	$306	$3,674	-11%
Hannacroix	$193	$2,311	-56%
Wells	$167	$1,998	-69%
Modena	$211	$2,529	-47%
Childwold	$163	$1,955	-71%
Weedsport	$163	$1,957	-71%
Boonville	$172	$2,066	-66%
Lyons Falls	$168	$2,021	-68%
Prospect	$171	$2,056	-66%
South Plymouth	$169	$2,032	-67%
Silver Creek	$173	$2,078	-65%
Bellona	$158	$1,901	-73%
Florida	$244	$2,933	-33%
Mineola	$333	$4,001	-2%
Carmel	$238	$2,851	-36%
Harrison	$246	$2,951	-32%
Garnerville	$264	$3,173	-25%
Babylon	$304	$3,645	-12%
Bohemia	$293	$3,516	-15%
Massapequa	$302	$3,626	-12%
Ruby	$206	$2,474	-49%
West Hurley	$214	$2,563	-46%
Craryville	$193	$2,319	-55%
Turin	$168	$2,019	-68%
Newton Falls	$163	$1,959	-71%
Wales Center	$181	$2,170	-61%
Bergen	$165	$1,977	-70%
Wolcott	$158	$1,893	-73%
Niobe	$169	$2,026	-68%
Ghent	$193	$2,312	-56%
Sprakers	$167	$1,999	-69%
Middle Falls	$162	$1,947	-71%
Preble	$164	$1,964	-70%
Westmoreland	$168	$2,018	-68%
Norwood	$162	$1,950	-71%
Wanakena	$163	$1,953	-71%
East Northport	$296	$3,557	-14%
Laurel	$248	$2,979	-31%
Spencertown	$194	$2,323	-55%
Saugerties	$201	$2,412	-52%
Paul Smiths	$161	$1,931	-72%
Little York	$164	$1,970	-70%
Wellesley Island	$158	$1,901	-73%
Heuvelton	$164	$1,967	-70%
Redwood	$158	$1,898	-73%
Franklin	$187	$2,250	-58%
Woodmere	$380	$4,555	+11%
Maryland	$184	$2,202	-60%
Cottekill	$208	$2,496	-48%
Cayuga	$160	$1,920	-72%
Henderson Harbor	$160	$1,924	-72%
Morris	$184	$2,204	-60%
Almond	$169	$2,026	-68%
Putnam Valley	$239	$2,866	-35%
Gallupville	$178	$2,140	-63%
Arkville	$205	$2,461	-50%
Olivebridge	$208	$2,498	-48%
Greenfield Center	$166	$1,996	-69%
Poplar Ridge	$164	$1,962	-70%
Bouckville	$169	$2,025	-68%
Fine	$162	$1,949	-71%
Plymouth	$169	$2,031	-67%
Tioga Center	$163	$1,954	-71%
Dalton	$170	$2,035	-67%
Bridgehampton	$251	$3,009	-31%
Lanesville	$211	$2,531	-47%
Hughsonville	$214	$2,573	-46%
Narrowsburg	$251	$3,011	-30%
Greenwich	$160	$1,914	-73%
Howes Cave	$180	$2,159	-62%
Old Chatham	$190	$2,285	-57%
Durham	$201	$2,408	-52%
West Park	$209	$2,504	-48%
Clemons	$162	$1,941	-71%
Moira	$161	$1,933	-72%
North Bay	$169	$2,023	-68%
Bloomville	$190	$2,281	-57%
Grand Gorge	$189	$2,271	-57%
Lake Luzerne	$162	$1,940	-71%
Copenhagen	$167	$2,006	-68%
Appleton	$175	$2,104	-64%
Grand Island	$176	$2,113	-64%
Sherman	$168	$2,018	-68%
Burdett	$162	$1,941	-71%
East Nassau	$178	$2,134	-63%
Galway	$157	$1,890	-74%
Rotterdam Junction	$165	$1,976	-70%
Ashland	$206	$2,468	-50%
Denver	$202	$2,420	-51%
Beacon	$219	$2,630	-44%
Dover Plains	$221	$2,656	-43%
Marietta	$164	$1,973	-70%
Cold Brook	$170	$2,043	-67%
Waddington	$162	$1,946	-71%
Arcade	$179	$2,144	-63%
East Norwich	$309	$3,709	-10%
Hauppauge	$298	$3,582	-13%
Constableville	$168	$2,016	-68%
Kirkwood	$156	$1,867	-75%
Newark Valley	$160	$1,915	-72%
Windsor	$161	$1,928	-72%
Hall	$161	$1,930	-72%
Oaks Corners	$162	$1,945	-71%
Celoron	$167	$2,009	-68%
Delancey	$194	$2,323	-55%
Willseyville	$161	$1,935	-72%
Ridge	$274	$3,286	-22%
Castleton On Hudson	$171	$2,046	-67%
Verbank	$218	$2,618	-44%
Sterling	$162	$1,944	-71%
Marcy	$174	$2,093	-65%
Remsen	$172	$2,062	-66%
Calcium	$159	$1,912	-73%
Otisville	$243	$2,920	-33%
Sugar Loaf	$250	$2,997	-31%
Shoreham	$274	$3,286	-22%
Carlisle	$180	$2,162	-62%
Mayfield	$166	$1,989	-69%
Cragsmoor	$221	$2,651	-43%
Clinton	$172	$2,067	-66%
Fishs Eddy	$184	$2,205	-60%
Johnson City	$159	$1,903	-73%
Willet	$166	$1,994	-69%
Cassadaga	$164	$1,964	-70%
Remsenburg	$255	$3,064	-29%
Upton	$270	$3,246	-23%
Greenfield Park	$221	$2,648	-43%
Pleasant Valley	$215	$2,574	-46%
Treadwell	$188	$2,253	-58%
Manorville	$257	$3,079	-28%
Coxsackie	$193	$2,317	-55%
Bearsville	$210	$2,516	-48%
Billings	$221	$2,656	-43%
Poughquag	$221	$2,653	-43%
Georgetown	$167	$2,007	-68%
Hogansburg	$161	$1,929	-72%
Delhi	$191	$2,286	-57%
Chaffee	$182	$2,184	-61%
Keeseville	$159	$1,903	-73%
Churubusco	$159	$1,912	-73%
Saranac Lake	$160	$1,922	-72%
Hermon	$161	$1,934	-72%
Davenport Center	$190	$2,278	-57%
Jamestown	$163	$1,955	-71%
Columbiaville	$189	$2,270	-57%
Mechanicville	$156	$1,875	-74%
West Kill	$209	$2,507	-48%
Hurleyville	$264	$3,173	-25%
Gabriels	$161	$1,926	-72%
Schuyler Falls	$157	$1,886	-74%
Durhamville	$168	$2,012	-68%
Madison	$169	$2,032	-67%
New York Mills	$172	$2,061	-66%
East Schodack	$171	$2,048	-67%
Round Lake	$160	$1,915	-73%
West Fulton	$185	$2,224	-59%
Constable	$161	$1,926	-72%
Fort Plain	$165	$1,980	-70%
Mahopac	$236	$2,834	-36%
Canaan	$190	$2,285	-57%
Lake Hill	$209	$2,514	-48%
Hortonville	$245	$2,940	-33%
Maple View	$163	$1,955	-71%
North Java	$180	$2,161	-62%
Sunnyside	$415	$4,975	+19%
Albertson	$328	$3,940	-4%
West Nyack	$263	$3,151	-26%
Patchogue	$275	$3,298	-22%
Lake Katrine	$210	$2,526	-47%
Smallwood	$264	$3,173	-25%
Newport	$169	$2,033	-67%
Raymondville	$163	$1,951	-71%
Darien Center	$181	$2,174	-61%
South Dayton	$174	$2,087	-65%
Clyde	$158	$1,902	-73%
Ellicottville	$172	$2,060	-66%
Houghton	$175	$2,095	-65%
Alpine	$161	$1,936	-72%
Westerlo	$181	$2,170	-61%
Eldred	$251	$3,017	-30%
Long Lake	$166	$1,987	-69%
Porter Corners	$160	$1,917	-72%
Au Sable Forks	$158	$1,898	-73%
New Woodstock	$166	$1,992	-69%
Port Crane	$160	$1,916	-72%
Calverton	$263	$3,151	-26%
Shandaken	$210	$2,523	-47%
Elizaville	$197	$2,369	-53%
Jeffersonville	$259	$3,105	-27%
Sparrow Bush	$246	$2,947	-33%
Hadley	$161	$1,928	-72%
Delevan	$177	$2,126	-63%
Southold	$249	$2,984	-31%
North Chatham	$185	$2,222	-59%
Stormville	$220	$2,644	-43%
Altona	$156	$1,871	-75%
Thendara	$170	$2,035	-67%
Colton	$164	$1,964	-70%
Natural Bridge	$158	$1,898	-73%
Berkshire	$161	$1,928	-72%
Dale	$175	$2,106	-64%
Eden	$183	$2,200	-60%
Ionia	$160	$1,917	-72%
North Greece	$153	$1,833	-76%
Dayton	$175	$2,103	-64%
Machias	$174	$2,093	-65%
Piffard	$168	$2,013	-68%
Union Hill	$156	$1,872	-74%
Olean	$169	$2,024	-68%
Mattituck	$249	$2,983	-31%
Adirondack	$160	$1,916	-72%
Rock City Falls	$161	$1,928	-72%
Locke	$161	$1,931	-72%
Mohawk	$165	$1,982	-69%
Lisbon	$164	$1,965	-70%
Woodhaven	$470	$5,636	+32%
Islip	$300	$3,598	-13%
Prattsville	$207	$2,485	-49%
Hartford	$160	$1,923	-72%
Brushton	$161	$1,931	-72%
Bernhards Bay	$166	$1,996	-69%
East Rochester	$150	$1,805	-78%
Olmstedville	$164	$1,974	-70%
Keene	$164	$1,964	-70%
Moriah	$163	$1,951	-71%
Lewis	$159	$1,906	-73%
Severance	$160	$1,918	-72%
Westport	$159	$1,909	-73%
Mineville	$160	$1,916	-72%
New Russia	$163	$1,962	-70%
Keene Valley	$163	$1,962	-70%
Witherbee	$163	$1,956	-71%
Essex	$159	$1,910	-73%
Jay	$164	$1,971	-70%
Willsboro	$159	$1,909	-73%
Bloomingdale	$161	$1,934	-72%
Paradox	$162	$1,939	-71%
Ray Brook	$160	$1,923	-72%
Upper Jay	$164	$1,966	-70%
North Hudson	$162	$1,949	-71%
Wilmington	$161	$1,935	-72%
Schroon Lake	$161	$1,935	-72%
Crown Point	$162	$1,945	-71%
Lake Placid	$160	$1,922	-72%
Elizabethtown	$162	$1,945	-71%
Minerva	$165	$1,977	-70%
Port Kent	$162	$1,941	-71%
Moriah Center	$162	$1,939	-71%
Port Henry	$160	$1,920	-72%
Newcomb	$164	$1,971	-70%
Ticonderoga	$160	$1,918	-72%

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Average car insurance costs by age and gender in New York

Your age influences how much you pay for car insurance in New York. Younger drivers have less experience behind the wheel and a higher likelihood of accidents, so they tend to pay significantly higher rates for car insurance. As you can see below, 18-year-old male drivers on their own policy in New York pay average full coverage rates 147 percent more than the state average.

Gender is another factor that can affect the cost of your car insurance. Statistics show that male drivers are more likely to engage in risky driving behavior, such as speeding. In some states, insurance companies use this information to justify charging a higher rate for male drivers. Not all states allow gender as a rating factor, but New York does.

Age 40

Avg. monthly full coverage premium in New York

$337

Avg. annual full coverage premium in New York

$4,045

Age 50

Avg. monthly full coverage premium in New York

$316

Avg. annual full coverage premium in New York

$3,791

Age 60

Avg. monthly full coverage premium in New York

$310

Avg. annual full coverage premium in New York

$3,724

Age 70

Avg. monthly full coverage premium in New York

$347

Avg. annual full coverage premium in New York

$4,162


Age 16*	Avg. monthly full coverage premium in New York $655	Avg. annual full coverage premium in New York $7,858
Age 18	Avg. monthly full coverage premium in New York $834	Avg. annual full coverage premium in New York $10,004
Age 20	Avg. monthly full coverage premium in New York $666	Avg. annual full coverage premium in New York $7,997
Age 25	Avg. monthly full coverage premium in New York $404	Avg. annual full coverage premium in New York $4,851
Age 30	Avg. monthly full coverage premium in New York $357	Avg. annual full coverage premium in New York $4,282
Age 40	Avg. monthly full coverage premium in New York $337	Avg. annual full coverage premium in New York $4,045
Age 50	Avg. monthly full coverage premium in New York $316	Avg. annual full coverage premium in New York $3,791
Age 60	Avg. monthly full coverage premium in New York $310	Avg. annual full coverage premium in New York $3,724
Age 70	Avg. monthly full coverage premium in New York $347	Avg. annual full coverage premium in New York $4,162

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age 40

Avg. monthly full coverage premium in New York

$345

Avg. annual full coverage premium in New York

$4,140

Age 50

Avg. monthly full coverage premium in New York

$316

Avg. annual full coverage premium in New York

$3,796

Age 60

Avg. monthly full coverage premium in New York

$308

Avg. annual full coverage premium in New York

$3,692

Age 70

Avg. monthly full coverage premium in New York

$333

Avg. annual full coverage premium in New York

$3,992


Age 16*	Avg. monthly full coverage premium in New York $601	Avg. annual full coverage premium in New York $7,215
Age 18	Avg. monthly full coverage premium in New York $742	Avg. annual full coverage premium in New York $8,905
Age 20	Avg. monthly full coverage premium in New York $570	Avg. annual full coverage premium in New York $6,840
Age 25	Avg. monthly full coverage premium in New York $387	Avg. annual full coverage premium in New York $4,644
Age 30	Avg. monthly full coverage premium in New York $361	Avg. annual full coverage premium in New York $4,330
Age 40	Avg. monthly full coverage premium in New York $345	Avg. annual full coverage premium in New York $4,140
Age 50	Avg. monthly full coverage premium in New York $316	Avg. annual full coverage premium in New York $3,796
Age 60	Avg. monthly full coverage premium in New York $308	Avg. annual full coverage premium in New York $3,692
Age 70	Avg. monthly full coverage premium in New York $333	Avg. annual full coverage premium in New York $3,992

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Bankrate’s take: Your age and gender play a role in your New York car insurance rate because of statistical risk differences among different ages and genders. Younger drivers and male drivers are statistically more likely to get into accidents and engage in risky driving behavior like speeding and driving under the influence. As a result, most carriers charge higher rates for young drivers and slightly higher rates for male drivers to compensate for this added risk.

Cost considerations for young drivers in New York

Young drivers may be able to save on premiums by remaining insured on their parents' policy. The table below shows the premium difference for drivers aged 20 and younger who join their parents' existing policy compared to those who purchase their own policy.


Age 16*	Avg. annual premium for drivers in NY $7,536
Age 17	Avg. annual premium for drivers in NY $7,364
Age 18	Avg. annual premium for drivers in NY $6,948
Age 19	Avg. annual premium for drivers in NY $6,177
Age 20	Avg. annual premium for drivers in NY $5,880

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied


Age 18	Avg. annual premium for drivers in NY $9,455
Age 19	Avg. annual premium for drivers in NY $8,026
Age 20	Avg. annual premium for drivers in NY $7,419

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age	Avg. annual premium difference for drivers on their own policy
Age 18	36 percent more
Age 19	30 percent more
Age 20	26 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in New York?

Blemishes on your driving record, such as speeding tickets, at-fault accidents and DWIs (driving while intoxicated), may all have a direct impact on how much more you pay for auto insurance. Some insurance companies may even deny coverage to drivers with high-risk incidents on their record, like a DUI, or those who have been caught driving without insurance, which is illegal in the state. The following table breaks down the average premium costs a New York driver with various moving violations may pay and the percentage increase from average full coverage premiums.


Clean driving record	Avg. annual premium* in New York $4,093	Percentage increase from New York avg. annual premium* 0%
Speeding ticket conviction	Avg. annual premium* in New York $4,380	Percentage increase from New York avg. annual premium* 7%
At-fault accident	Avg. annual premium* in New York $4,313	Percentage increase from New York avg. annual premium* 5%
DUI conviction	Avg. annual premium* in New York $6,221	Percentage increase from New York avg. annual premium* 52%

*The rates reflected are for full coverage policies.

Car insurance rates in New York by credit tier

Another factor that impacts the rate you pay for your policy is your credit. Not all states allow insurers to consider this factor, but New York does. If you have excellent credit, insurers know you have a demonstrated ability to pay your bills in full and on time, and thus they are more likely to give you a favorable rate. Drivers with a poor credit rating, meanwhile, may struggle to pay their premiums, and thus they are likely to pay more to compensate for the risk to the insurer.


Poor	Avg. annual premium* in New York $7,696	Percentage difference from New York avg. annual premium* 88%
Average	Avg. annual premium* in New York $4,574	Percentage difference from New York avg. annual premium* 12%
Good	Avg. annual premium* in New York $4,093	Percentage difference from New York avg. annual premium* 0%
Excellent	Avg. annual premium* in New York $3,267	Percentage difference from New York avg. annual premium* -20%

*Rates reflect full coverage policies.

New York car insurance rates by vehicle type

If you drive a high-end luxury vehicle or one with pricey imported parts, you may find yourself paying more for your insurance than someone who drives a more standard, domestic-made car. Insurers here are considering the relative costs of repairing your vehicle after an accident. The more repairs are likely to cost, the higher your premium may be.


Toyota Camry	Avg. annual premium* in New York $4,093
Ford F-150	Avg. annual premium* in New York $4,013
Honda Odyssey	Avg. annual premium* in New York $3,814
BMW 330i	Avg. annual premium* in New York $4,826
Toyota Prius	Avg. annual premium* in New York $4,101

*Rates reflect full coverage policies.

Estimate your car insurance cost in New York

Buying car insurance can be complicated, so Bankrate created this calculator tool to help you get started. By inputting a few key numbers, it will produce a rough estimate of what you are likely to pay for your policy. Since rates vary from company to company, it may not be exact, but it will give you a good ballpark figure to start your search with.

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How to save on car insurance in New York

While New York may be one of the most expensive states for auto insurance, drivers may be able to save on their premiums with some strategic planning. These tips and tricks may help bring down your insurance rate:

Shop around: Most insurance professionals recommend comparing quotes from different providers to see which may offer the cheapest rates for your specific insurance needs.
Discounts: Most carriers offer at least a handful of discounts to help policyholders save money. Common discounts include those for being a good student, bundling multiple policies or being a safe driver. You may also be able to get a discount through your employer or a professional association.
Improve your credit: Improving your credit-based insurance score may help keep your premium low.
Increase your deductible: Your deductible is the amount you are responsible for out of pocket in the event of a collision or comprehensive coverage claim. Raising your deductible may bring down your premium, but note that insurance professionals recommend keeping your deductible low enough that you could pay it comfortably in the event of a claim.
Reduce your mileage: Some insurers offer lower premiums to drivers who don’t commute to a job every day or have low annual mileage. If you stop driving as much as you used to, you may want to contact your carrier to see if you can get a price reduction.
Shop smart for your next car: The next time it’s time to trade in your vehicle, opt for something with a high safety rating. These vehicles are more likely to have lower coverage premiums than sports cars or vehicles with high accident rates.

Frequently asked questions

The average monthly rate of car insurance in the Empire state is $145 for state-mandated minimum coverage and $341 a month for full coverage. Your own rate is likely to differ from the averages since it is based on a range of factors that apply to you and your situation. Your age, credit history and driving record all impact the rate you pay, as well as your car's age, make and model. You may be able to pay less than the average if you maintain a clean driving record and take advantage of all possible discounts.
Yes, New York is a no-fault state. This means if you are involved in an accident in the state of New York, each driver must file a claim with the insurance company, no matter who is ruled at fault. It also means you are required to carry personal injury protection (PIP) as a part of the state's minimum insurance requirements.
To find the best car insurance company in New York for your circumstances, you may want to consider your insurance priorities and narrow down companies based on these metrics. Some drivers may value low rates above all else, while others may want a company with outstanding customer satisfaction scores. Reflecting on your priorities and comparing quotes from companies that match your criteria may be a good strategy to find the best company for you.
To find the cheapest car insurance company in New York, most insurance professionals recommend comparing quotes from multiple carriers. Every company has its own method for determining rates and offers different discounts, so one company may offer a better rate than another. Personal factors like your vehicle type, coverage selections and your driving record may impact your rate differently between companies.
Several factors may cause you to pay high auto insurance rates in New York. High urban density can contribute to increased rates of auto accidents and increased odds of accidents involving more expensive vehicles. However, New York is also a no-fault state, so it has higher minimum car insurance requirements than many other states. All of those factors tend to contribute to steeper auto insurance rates. Beyond these variables, the relatively high local risks of severe weather, theft and vandalism are also likely contributors to the high car insurance rates in New York. Still, individuals may be able to find rates below the state average by maintaining a clean record, pursuing discounts and shopping around for the best rates.

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Premium

A premium is the amount the policyholder pays to the insurance company, typically on a monthly, semi-annual or annual basis, to maintain an active insurance policy.

Full coverage car insurance

Full coverage car insurance provides physical damage coverage for your own vehicle. It typically includes comprehensive and collision coverage in addition to state-mandated liability coverage.

State-mandated car insurance

State-mandated coverage is the minimum amount of insurance you must carry based on state laws where you live. This level of insurance is typically liability-only. That means it will cover damage you cause to other people or property, but not your own damages.

Deductible

The deductible is how much money you personally pay before your insurance coverage kicks in to pay out your covered claim. You typically select the deductible amount when you purchase your insurance policy, although you can adjust it at any point. Lower deductibles usually have higher premiums.

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

Other profiles

These rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction.
Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). For new vs used vehicles, we also included the following years in our calculations: 2016, 2017, 2018, 2019 (base) and 2020.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

Average cost of car insurance in New York for 2025

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New York car insurance rates by city

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Average car insurance costs by age and gender in New York

Cost considerations for young drivers in New York

How does driving record impact the cost of car insurance in New York?

Car insurance rates in New York by credit tier

New York car insurance rates by vehicle type

Estimate your car insurance cost in New York

Calculate your monthly car insurance payment

How to save on car insurance in New York

Frequently asked questions

How much is car insurance per month in New York?

Is New York a no-fault state?

What is the best car insurance company in New York?

What is the cheapest car insurance company in New York?

Why is car insurance so expensive in New York?

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Methodology

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