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Updated Feb 13, 2025
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Age 16*
Avg. monthly full coverage premium in New York
$640
Avg. annual full coverage premium in New York
$7,682
Age 18
Avg. monthly full coverage premium in New York
$803
Avg. annual full coverage premium in New York
$9,635
Age 20
Avg. monthly full coverage premium in New York
$636
Avg. annual full coverage premium in New York
$7,632
Age 25
Avg. monthly full coverage premium in New York
$385
Avg. annual full coverage premium in New York
$4,616
Age 30
Avg. monthly full coverage premium in New York
$344
Avg. annual full coverage premium in New York
$4,133
Age 40
Avg. monthly full coverage premium in New York
$326
Avg. annual full coverage premium in New York
$3,913
Age 50
Avg. monthly full coverage premium in New York
$306
Avg. annual full coverage premium in New York
$3,666
Age 60
Avg. monthly full coverage premium in New York
$300
Avg. annual full coverage premium in New York
$3,599
Age 70
Avg. monthly full coverage premium in New York
$332
Avg. annual full coverage premium in New York
$3,983
Age 40
Avg. monthly full coverage premium in New York
$326
Avg. annual full coverage premium in New York
$3,913
Age 50
Avg. monthly full coverage premium in New York
$306
Avg. annual full coverage premium in New York
$3,666
Age 60
Avg. monthly full coverage premium in New York
$300
Avg. annual full coverage premium in New York
$3,599
Age 70
Avg. monthly full coverage premium in New York
$332
Avg. annual full coverage premium in New York
$3,983
*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 16*
Avg. monthly full coverage premium in New York
$603
Avg. annual full coverage premium in New York
$7,239
Age 18
Avg. monthly full coverage premium in New York
$743
Avg. annual full coverage premium in New York
$8,911
Age 20
Avg. monthly full coverage premium in New York
$569
Avg. annual full coverage premium in New York
$6,833
Age 25
Avg. monthly full coverage premium in New York
$382
Avg. annual full coverage premium in New York
$4,590
Age 30
Avg. monthly full coverage premium in New York
$350
Avg. annual full coverage premium in New York
$4,203
Age 40
Avg. monthly full coverage premium in New York
$335
Avg. annual full coverage premium in New York
$4,021
Age 50
Avg. monthly full coverage premium in New York
$308
Avg. annual full coverage premium in New York
$3,694
Age 60
Avg. monthly full coverage premium in New York
$300
Avg. annual full coverage premium in New York
$3,596
Age 70
Avg. monthly full coverage premium in New York
$326
Avg. annual full coverage premium in New York
$3,912
Age 40
Avg. monthly full coverage premium in New York
$335
Avg. annual full coverage premium in New York
$4,021
Age 50
Avg. monthly full coverage premium in New York
$308
Avg. annual full coverage premium in New York
$3,694
Age 60
Avg. monthly full coverage premium in New York
$300
Avg. annual full coverage premium in New York
$3,596
Age 70
Avg. monthly full coverage premium in New York
$326
Avg. annual full coverage premium in New York
$3,912
*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
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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.

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Age 16*
Avg. annual premium for drivers in NY
$7,460
Age 17
Avg. annual premium for drivers in NY
$7,215
Age 18
Avg. annual premium for drivers in NY
$6,794
Age 19
Avg. annual premium for drivers in NY
$5,990
Age 20
Avg. annual premium for drivers in NY
$5,710
*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
$9,273
Age 19
Avg. annual premium for drivers in NY
$7,854
Age 20
Avg. annual premium for drivers in NY
$7,232
*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 31 percent more
Age 20 27 percent more
Clean driving record
Avg. annual premium* in New York
$3,967
Percentage increase from New York avg. annual premium*
0%
Avg. annual premium* in New York
$4,196
Percentage increase from New York avg. annual premium*
6%
Avg. annual premium* in New York
$4,178
Percentage increase from New York avg. annual premium*
5%
Avg. annual premium* in New York
$6,049
Percentage increase from New York avg. annual premium*
52%
*The rates reflected are for full coverage policies.
Avg. annual premium* in New York
$7,578
Percentage difference from New York avg. annual premium*
91%
Average
Avg. annual premium* in New York
$4,433
Percentage difference from New York avg. annual premium*
12%
Avg. annual premium* in New York
$3,967
Percentage difference from New York avg. annual premium*
0%
Excellent
Avg. annual premium* in New York
$3,166
Percentage difference from New York avg. annual premium*
-20%
*Rates reflect full coverage policies.
Avg. annual premium* in New York
$3,967
Avg. annual premium* in New York
$3,879
Avg. annual premium* in New York
$3,688
BMW 330i
Avg. annual premium* in New York
$4,667
Toyota Prius
Avg. annual premium* in New York
$3,974
*Rates reflect full coverage policies.

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Why we're asking
Methodology
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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
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Good credit score
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Clean driving record
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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