Estimates, not quotes

Car Insurance in New York City, New York

Estimated full coverage in New York City runs about $2,585 a year ($216/month) — ▲ +21% versus the New York average, ranking 1st most expensive of the 9 New York cities we cover.

View of New York City, NY
Photo: Dllu, CC BY-SA 4.0
Estimated average premium in New York City
$2,585 /year
Range $2,120–$3,050 · full coverage · driver in their 30s
Per month
$216
vs. New York average ($2,130)
+21%
vs. U.S. average ($1,590)
+63%
State-minimum coverage
$1,130/yr
Minimum liability
25/50/10
Insurance offices nearby
339
ZIP codes covered
183
These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Why car insurance in New York City costs more than the New York average

Insurers price by territory, and New York City's numbers explain most of the gap. With 8,478,072 residents on 300.5 square miles, the city's density (28,217 people per square mile) is 10.1 times the density where the typical New York resident lives (2,786). The average commute is 40.3 minutes (New York: 32.6), and 22% of workers drive alone. Together these put our location factor at 1.21× the state baseline for liability and collision, and 1.22× for comprehensive once FEMA weather risk for Kings County is included.

Rating-relevant local data: New York City vs. New York reference
FactorNew York CityNew York ref.Why it matters
Population density28,217 / sq mi2,786 / sq miMore vehicles per mile of road means more fender-benders and claims.
Average commute40.3 min32.6 minLonger daily drives add exposure to crashes.
Commutes over 60 min25.3%—Long highway commutes raise mileage-based risk.
Drive alone to work21.6%—Share of workers commuting by car.
Public transit to work44.0%—Transit use lowers how much residents drive.
Work from home16.9%—Remote workers may qualify for low-mileage pricing.
Households without a car55.3%—Context for non-owner and occasional-driver policies.
Weather hazard score (FEMA)95.693.2Hail, wind, flood and hurricane exposure drive comprehensive claims.

Car insurance cost by ZIP code in New York City

Rates can change from one ZIP code to the next. Across 183 New York City ZIP codes, our full-coverage estimate ranges from $2,200 in 10004 to $2,875 in 10468. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.

ZIPPopulationDensity / sq miCommuteNo carEst. full / yrvs. city
11368 105,716 40,135 45.0 min 56.3% $2,730 +6%
11208 105,428 39,398 46.2 min 58.8% $2,755 +7%
11385 101,704 28,134 43.6 min 44.2% $2,655 +3%
11373 98,403 65,081 42.5 min 59.2% $2,745 +6%
10467 96,421 41,382 44.1 min 64.0% $2,715 +5%
11226 95,144 73,019 46.6 min 67.2% $2,850 +10%
11219 94,196 63,134 35.8 min 53.4% $2,595 0%
10314 93,915 7,226 41.2 min 11.2% $2,435 −6%
11207 93,198 34,264 44.2 min 60.6% $2,695 +4%
10025 93,065 104,685 32.1 min 75.4% $2,580 0%
11206 93,020 66,395 36.4 min 71.2% $2,615 +1%
11221 91,588 66,320 43.9 min 62.5% $2,775 +7%
11220 90,652 52,461 43.7 min 62.0% $2,740 +6%
11214 89,397 44,169 43.8 min 44.1% $2,720 +5%
11212 89,020 57,618 48.4 min 71.5% $2,855 +10%
11236 88,051 24,706 49.7 min 36.4% $2,765 +7%
10456 87,533 81,275 40.6 min 74.3% $2,735 +6%
11230 86,978 47,194 40.4 min 47.5% $2,655 +3%
11234 83,187 11,266 46.5 min 26.1% $2,595 0%
11233 81,822 60,654 38.9 min 60.3% $2,660 +3%
11377 81,690 32,263 36.4 min 53.1% $2,525 −2%
11355 80,801 47,059 41.4 min 49.7% $2,675 +3%
11204 79,800 50,031 40.5 min 44.5% $2,665 +3%
10457 79,543 60,306 41.3 min 73.5% $2,710 +5%
11235 78,558 31,973 41.2 min 51.2% $2,620 +1%
11229 78,377 39,052 42.1 min 42.5% $2,665 +3%
11223 78,093 37,726 45.1 min 40.3% $2,725 +5%
10029 77,447 67,170 33.3 min 85.1% $2,550 −1%
10002 76,873 93,520 31.4 min 80.7% $2,550 −1%
11375 76,839 31,739 44.7 min 42.7% $2,695 +4%
10462 76,320 50,948 45.7 min 58.4% $2,780 +8%
10453 76,282 84,570 42.5 min 76.4% $2,780 +8%
10452 75,682 77,069 44.6 min 77.8% $2,815 +9%
10468 75,557 72,165 47.8 min 70.7% $2,875 +11%
10458 74,898 61,342 42.1 min 72.2% $2,730 +6%
11203 74,817 34,978 45.7 min 52.3% $2,730 +6%
11218 72,042 52,894 40.1 min 49.7% $2,665 +3%
10466 71,116 35,293 42.2 min 42.1% $2,655 +3%
11209 71,004 33,603 44.4 min 47.3% $2,695 +4%
11201 70,674 52,197 31.7 min 68.0% $2,485 −4%
11215 70,441 32,180 38.6 min 49.2% $2,570 −1%
10463 69,470 25,244 46.5 min 50.7% $2,700 +4%
10023 69,455 71,677 28.3 min 72.8% $2,450 −5%
11691 69,359 25,851 43.3 min 46.3% $2,635 +2%
11213 68,846 63,983 43.2 min 68.2% $2,760 +7%
10469 68,521 28,244 41.1 min 34.0% $2,605 +1%
11434 68,263 21,036 48.6 min 27.6% $2,720 +5%
11211 65,314 44,889 31.7 min 67.4% $2,465 −5%
11372 64,756 87,627 39.8 min 56.2% $2,725 +5%
10472 64,011 59,379 45.1 min 64.6% $2,790 +8%
10027 63,885 67,819 31.2 min 76.3% $2,505 −3%
10312 63,469 9,236 43.4 min 6.5% $2,505 −3%
10024 63,115 71,316 31.7 min 71.7% $2,525 −2%
11432 62,892 31,089 42.7 min 43.4% $2,650 +3%
10031 61,058 91,268 37.8 min 75.4% $2,690 +4%
11216 60,685 63,082 41.7 min 67.5% $2,725 +5%
10009 60,209 97,584 31.8 min 79.4% $2,565 −1%
10460 59,396 39,624 46.9 min 71.2% $2,770 +7%
10473 58,855 27,528 43.1 min 44.9% $2,640 +2%
11238 58,345 31,555 38.4 min 64.3% $2,560 −1%
11225 58,158 66,466 39.2 min 65.0% $2,675 +3%
10128 57,976 127,700 31.9 min 75.2% $2,600 +1%
11210 57,915 35,121 43.8 min 41.3% $2,690 +4%
10306 57,428 7,944 46.2 min 14.2% $2,545 −2%
11435 56,826 37,608 46.6 min 40.0% $2,755 +7%
10032 55,610 82,630 37.8 min 84.0% $2,675 +3%
10033 54,838 92,010 39.8 min 75.8% $2,735 +6%
10003 53,560 93,636 23.2 min 80.5% $2,370 −8%
11354 53,028 24,641 40.1 min 42.1% $2,565 −1%
10016 52,971 96,486 25.8 min 87.7% $2,430 −6%
10461 52,012 21,781 41.5 min 40.1% $2,580 0%
11205 51,676 44,130 36.4 min 64.5% $2,565 −1%
10451 50,942 48,241 42.1 min 77.3% $2,695 +4%
11224 50,822 32,767 46.0 min 57.2% $2,725 +5%
11420 49,415 23,442 45.7 min 18.3% $2,675 +3%
10028 49,077 155,307 30.1 min 68.4% $2,585 0%
10011 48,277 74,617 25.2 min 79.3% $2,390 −8%
10459 48,270 58,087 38.7 min 69.8% $2,650 +3%
11249 47,728 66,752 34.5 min 67.0% $2,575 0%
11419 47,441 42,095 43.5 min 26.9% $2,705 +5%
11374 46,989 49,777 45.2 min 50.1% $2,765 +7%
11413 45,965 15,240 46.2 min 15.8% $2,625 +2%
10304 45,658 13,079 42.5 min 28.9% $2,535 −2%
10465 45,404 11,574 42.0 min 23.9% $2,510 −3%
11237 45,334 45,516 40.1 min 66.0% $2,645 +2%
10019 44,942 68,197 27.0 min 87.7% $2,415 −7%
10455 44,801 63,910 39.8 min 76.5% $2,685 +4%
11217 43,490 59,010 34.5 min 71.3% $2,560 −1%
11357 43,346 15,306 37.5 min 9.3% $2,455 −5%
11222 42,853 28,137 37.2 min 61.3% $2,520 −3%
10475 42,578 34,254 49.1 min 45.9% $2,795 +8%
11365 42,322 17,011 40.4 min 19.0% $2,525 −2%
11228 42,241 28,217 43.1 min 33.7% $2,645 +2%
11101 42,219 16,320 33.5 min 70.9% $2,380 −8%
10305 41,270 10,266 41.6 min 18.7% $2,485 −4%
10301 41,052 10,924 45.3 min 27.9% $2,565 −1%
11106 40,930 47,760 37.4 min 67.6% $2,595 0%
11367 40,923 21,414 42.6 min 28.4% $2,600 +1%
11421 40,612 31,605 47.3 min 30.0% $2,745 +6%
10040 40,096 70,716 40.1 min 73.0% $2,705 +5%
10021 39,868 111,363 27.3 min 76.0% $2,485 −4%
11412 39,828 24,212 47.3 min 20.6% $2,710 +5%
10454 39,570 37,330 41.3 min 75.0% $2,645 +2%
10035 38,862 27,660 36.3 min 79.3% $2,500 −3%
11231 38,276 26,860 35.8 min 55.0% $2,485 −4%
11105 37,936 23,217 39.6 min 41.8% $2,545 −2%
11433 37,884 24,745 44.2 min 32.3% $2,650 +3%
10034 37,758 36,873 44.1 min 69.6% $2,700 +4%
11358 37,665 19,246 43.2 min 16.5% $2,595 0%
10026 37,123 96,927 36.2 min 74.0% $2,660 +3%
11379 36,773 16,594 43.5 min 23.2% $2,585 0%
11378 36,392 14,945 42.6 min 23.3% $2,550 −1%
11418 35,481 21,374 45.3 min 35.6% $2,655 +3%
11364 35,276 14,060 44.6 min 14.0% $2,585 0%
11103 35,163 50,814 42.0 min 61.5% $2,700 +4%
11369 35,133 32,411 42.8 min 29.2% $2,655 +3%
10309 34,885 4,809 42.9 min 5.9% $2,415 −7%
10022 34,049 76,515 27.4 min 76.2% $2,440 −6%
11422 33,757 16,082 49.7 min 13.9% $2,705 +5%
10039 32,492 108,669 41.2 min 77.3% $2,785 +8%
11414 31,308 13,559 42.2 min 11.8% $2,530 −2%
10036 31,036 69,432 28.3 min 87.9% $2,445 −5%
10065 30,808 73,880 26.1 min 72.3% $2,405 −7%
10010 30,702 83,203 27.3 min 77.3% $2,445 −5%
11417 30,578 27,474 46.4 min 26.5% $2,710 +5%
10308 30,568 13,990 46.5 min 9.2% $2,620 +1%
10001 30,511 48,896 26.0 min 83.1% $2,355 −9%
11370 30,267 19,616 39.8 min 24.1% $2,530 −2%
11361 30,127 17,577 37.8 min 13.9% $2,475 −4%
10030 29,297 105,765 38.6 min 82.4% $2,725 +5%
10014 29,230 60,268 25.7 min 81.5% $2,375 −8%
11423 28,534 20,280 44.5 min 24.7% $2,630 +2%
11102 28,503 40,661 41.2 min 61.9% $2,655 +3%
11232 27,816 22,414 42.2 min 60.4% $2,595 0%
10013 27,219 50,035 27.3 min 69.7% $2,385 −8%
11429 26,832 20,312 43.9 min 20.3% $2,620 +1%
10303 26,497 8,361 46.3 min 25.7% $2,550 −1%
11104 26,132 59,799 38.3 min 61.1% $2,645 +2%
11416 25,919 39,271 46.6 min 29.9% $2,760 +7%
11356 25,824 16,334 45.0 min 22.2% $2,610 +1%
10310 25,672 14,246 40.0 min 23.7% $2,495 −3%
11427 24,607 15,683 46.3 min 19.5% $2,635 +2%
10471 23,798 13,901 43.0 min 33.9% $2,550 −1%
11692 22,734 22,376 52.1 min 44.8% $2,800 +8%
11436 22,527 28,229 45.9 min 21.8% $2,705 +5%
10038 22,235 76,938 25.9 min 82.9% $2,405 −7%
10075 21,897 115,857 31.2 min 70.2% $2,575 0%
11694 21,489 12,301 44.7 min 21.1% $2,570 −1%
10012 21,426 66,130 21.6 min 81.2% $2,295 −11%
11415 21,154 37,775 41.3 min 44.4% $2,645 +2%
11411 20,540 17,422 45.5 min 13.2% $2,630 +2%
11360 19,469 14,128 43.0 min 13.8% $2,555 −1%
11426 19,411 14,138 40.1 min 14.8% $2,495 −3%
10037 19,031 81,678 38.6 min 78.9% $2,690 +4%
10302 19,030 15,951 40.6 min 24.9% $2,520 −3%
11428 19,028 22,870 44.3 min 19.6% $2,640 +2%
11362 18,492 8,903 36.0 min 7.6% $2,360 −9%
11239 16,410 9,557 49.7 min 68.2% $2,635 +2%
10470 16,004 11,137 40.2 min 33.9% $2,465 −5%
10307 15,512 9,611 40.1 min 7.0% $2,445 −5%
10017 15,297 51,332 24.7 min 81.3% $2,335 −10%
11004 13,615 14,317 42.4 min 8.8% $2,545 −2%
11366 13,463 8,834 48.2 min 15.9% $2,595 0%
11693 13,244 13,391 50.3 min 37.0% $2,690 +4%
10044 11,520 50,087 37.0 min 70.6% $2,590 0%
10474 11,270 7,347 41.5 min 69.7% $2,440 −6%
10005 9,439 129,301 25.8 min 84.0% $2,470 −4%
10280 8,933 83,486 27.0 min 80.4% $2,440 −6%
10018 8,559 24,881 26.5 min 87.5% $2,285 −12%
11109 7,948 172,783 32.8 min 50.7% $2,660 +3%
10007 7,406 46,288 24.3 min 71.4% $2,310 −11%
11363 7,223 8,350 39.1 min 14.1% $2,410 −7%
10069 6,509 158,756 29.3 min 69.2% $2,570 −1%
10282 5,887 85,319 25.1 min 65.3% $2,400 −7%
11697 4,429 2,164 44.5 min 13.5% $2,350 −9%
10006 4,096 42,227 34.5 min 90.1% $2,515 −3%
10464 3,828 1,253 46.0 min 10.6% $2,315 −10%
10004 3,711 8,138 27.8 min 80.4% $2,200 −15%
11005 2,174 11,880 32.9 min 26.0% $2,330 −10%
11439 2,170 14,564 26.2 min — $2,220 −14%
10162 1,603 123,308 25.9 min 66.4% $2,465 −5%
11430 588 83 — — $2,200 −15%
10279 259 64,750 — — $2,695 +4%

Minimum car insurance in New York City

New York City drivers follow New York's rules: at least 25/50/10 liability coverage, personal injury protection, and uninsured motorist coverage. New York is no-fault. We estimate state-minimum coverage in New York City at $1,130 a year, and $1,640 for 100/300/100 limits.

New York minimum car insurance (25/50/10)
CoverageRequired?MinimumWhat it pays for
Bodily injury liabilityYes$25,000 per person / $50,000 per accidentInjuries you cause to other people
Property damage liabilityYes$10,000Damage you cause to other vehicles and property
Personal injury protection (PIP)Yes$50,000
Mandatory no-fault (personal injury protection) coverage of $50,000 is required.		Your own medical bills and lost wages, regardless of fault
Uninsured motorist (UM)Yes25/50
Uninsured motorist bodily injury coverage is required at the same 25/50 minimums.		Your injuries when the at-fault driver has no insurance
Underinsured motorist (UIM)No—
Supplementary uninsured/underinsured motorist coverage is optional.		The gap when the at-fault driver’s limits are too low
Medical payments (MedPay)No—
Medical expenses are covered through required no-fault coverage.		Medical bills for you and your passengers

Liability coverage must also include at least $50,000 for the death of one person and $100,000 for the death of two or more people. Out-of-state insurance is not accepted for New York-registered vehicles.

Risk factors that shape New York City premiums

Accidents

New York recorded 1,101 traffic deaths, or 0.91 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.

Vehicle theft

New York's vehicle theft rate is 126 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Honda CR-V (NICB). Theft losses are paid by comprehensive coverage.

Weather

FEMA rates Kings County as relatively high for hail, very high for inland flooding and very high for strong wind, and relatively high for hurricanes.

Traffic & commuting

25.3% of New York City commuters spend an hour or more getting to work, and there are 0.62 vehicles per household. 16.9% work from home — worth mentioning to insurers that offer low-mileage pricing.

FEMA National Risk Index — Kings County
HazardRisk ratingScore (0–100)Insurance impact
Hail Relatively High 95.8 Comprehensive (car); roof claims (home)
Tornado Relatively High 94.2 Comprehensive; dwelling
Hurricane Relatively High 97.4 Comprehensive; wind/hurricane deductibles (home)
Inland (river) flooding Very High 99.4 Comprehensive; home needs a separate flood policy
Coastal flooding Relatively High 87.2 Comprehensive; home needs a separate flood policy
Strong wind Very High 99.8 Comprehensive; dwelling
Winter weather Very High 99.9 Collision (icy roads); frozen pipes (home)

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated car insurance in New York City by driver profile

A clean-record driver in their 50s pays the least in our New York City model (about $2,380 for full coverage); an 18-year-old on their own policy pays about $7,115, and a DUI pushes a 30-something to $4,785.

Estimated annual premium in New York City by driver profile
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $3,105 $4,505 $7,115 $593
Young adult (22) $1,805 $2,620 $4,140 $345
Adult in their 30s $1,130 $1,640 $2,585 $215
Adult in their 50s $1,040 $1,505 $2,380 $198
Senior (72) $1,265 $1,835 $2,895 $241
30s, one at-fault accident $1,640 $2,375 $3,750 $313
30s, DUI on record $2,090 $3,030 $4,785 $399

Minimum vs. standard vs. full coverage in New York City

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $1,130 $94 $925–$1,335
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,640 $136 $1,345–$1,930
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $2,585 $216 $2,120–$3,050

Estimate your premium in New York City

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Cheap car insurance in New York City: how to lower your rate

The cheapest policy is the one that fits your situation. These levers are priced with New York City's own numbers:

ChangeEst. yearly savingsGood fit if…
Raise collision/comprehensive deductible from $500 to $1,000$130You have savings to cover a bigger out-of-pocket repair.
Low-mileage / usage-based pricing (under 7,500 mi)$180You're among the 16.9% of New York City workers who work from home, or you rarely drive.
Drop collision & comprehensive on an older car$520The car is paid off and worth little more than a year of premiums.
Standard (100/300/100) instead of full coverage$945No loan or lease requires physical-damage coverage.
Avoid one speeding ticket$570Everyone — violations typically affect rates for three to five years.

Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.

Comparing car insurance quotes in New York City

  • Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
  • Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 339 offices listed below.
  • Check complaint records with the New York State Department of Financial Services (complaint information) before you buy.
  • Mention your ZIP code accurately — within New York City, our estimates differ by up to $675 a year between neighborhoods.

How to read a car insurance quote

Car insurance agents near New York City, NY

We found 339 insurance offices within about 13 miles of central New York City, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.

  1. Concordance Brokerage

    584 Rogers Avenue, , NY 11225
    +1 718-282-6917 0.9 mi from city center
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  2. Bruce Gregory Kirton - Farmers Insurance

    230 Rogers Ave, Brooklyn, NY 11225
    +1 718-399-3484 0.9 mi from city center Mo-Fr 09:00-18:00
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  3. Security Coverage Corp

    14 Lenox Road, , NY 11226
    +1 718-826-2330 1.2 mi from city center
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  4. Bergstein Insurance Agency

    2135 Caton Avenue, , NY 11226
    +1 718-469-7000 1.2 mi from city center
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  5. State Farm

    845 Classon Avenue, Brooklyn, NY 11238
    +1 718-348-0070 1.3 mi from city center
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  6. The Williamson Insurance Agency

    4222 Avenue D, Brooklyn, NY 11203
    +1 718-629-0222 1.5 mi from city center Mo-Fr 09:00-18:00; Sa 09:00-13:00; Su closed
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  7. GEICO

    NY
    +1 718-306-0800 1.9 mi from city center Mo-Fr 09:00-17:00; Sa 10:00-13:00
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  8. National Allotment Insurance Agency

    NY
    +1 718-622-3888 2.2 mi from city center
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  9. Allstate

    148 Tompkins Avenue, , NY 11206
    +1 718-848-0101 2.2 mi from city center Mo-Th 09:00-18:00; Fr 09:00-17:00; Sa 10:00-13:00
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  10. Earl Coy - Allstate

    9613 Flatlands Ave, Brooklyn, NY 11236
    +1 718-927-0200 2.4 mi from city center Mo-Th 09:00-18:00; Fr 09:00-17:00; Sa 10:00-13:00; Su closed
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  11. Max J. Pollack & Sons

    NY
    +1 718-624-1461 2.4 mi from city center
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  12. Steven Schneider - Allstate

    336 9th St, Brooklyn, NY 11215
    +1 718-686-1200 2.5 mi from city center Mo-Fr 09:00-17:00; Sa 10:00-16:00; Su closed
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  13. Sammy Martinez - State Farm

    849 Broadway, Brooklyn, NY 11206
    +1 718-759-6560 2.5 mi from city center
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  14. TDS Insurance Brokerage

    NY
    +1 718-483-9310 2.5 mi from city center
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  15. Allstate Sequoia Agency

    152 4th Avenue, Brooklyn, NY 11217
    +1 718-951-7600 2.5 mi from city center Mo-Fr 09:00-18:00
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  16. McDonald Insurance Agency

    NY
    +1 718-431-0633 2.6 mi from city center
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  17. Friedman Associates

    NY
    2.6 mi from city center
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  18. Country-Wide Insurance Company

    NY
    +1 718-443-5100 2.6 mi from city center Mo-Th 09:00-18:00; Fr 09:00-14:00
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  19. Allstate

    491 Carroll Street, , NY 11215
    +1 718-499-7000 2.7 mi from city center Mo-We,Fr 09:00-17:00; Sa 10:00-13:00
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  20. Brenda Stitt - Allstate

    1864 Flatbush Ave, Ste A, Brooklyn, NY 11210
    +1 718-377-8181 2.7 mi from city center Mo-Th 09:00-18:00; Fr 09:00-17:00; Sa-Su closed
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  21. H.D.A. Brokerage Agency

    NY
    +1 718-854-3400 2.7 mi from city center
    Google Maps Apple Maps Waze

  22. State Farm

    NY
    +1 718-488-7300 2.8 mi from city center Mo-Fr 09:00-18:00; Sa 09:00-13:00
    Google Maps Apple Maps Waze

  23. Chris Mohammed - State Farm

    9615 Avenue L, Brooklyn, NY 11236
    +1 347-933-6344 2.8 mi from city center
    Google Maps Apple Maps Waze

  24. Campos Brokerage

    NY
    +1 718-834-0231 2.8 mi from city center
    Google Maps Apple Maps Waze

  25. Williams Insurance

    586 Broadway, , NY 11206
    +1 929-244-2557 2.9 mi from city center Auto
    Google Maps Apple Maps Waze

  26. Steve Bernstein - State Farm

    1301 Coney Island Avenue, Brooklyn, NY 11230
    +1 718-692-2500 2.9 mi from city center
    Google Maps Apple Maps Waze

  27. Thad Rosst - Allstate

    1065 Flushing Ave, Brooklyn, NY 11237
    +1 347-689-3136 2.9 mi from city center Mo-Fr 09:00-18:00; Sa 09:00-13:00; Su closed
    Google Maps Apple Maps Waze

  28. Ulmar Insurance Brokerage Corporation

    309 Wyckoff Avenue, , NY
    +1 718-366-0050 2.9 mi from city center
    Google Maps Apple Maps Waze

  29. Glanzer Insurance Agency

    NY
    +1 845-783-7000 3.0 mi from city center
    Google Maps Apple Maps Waze

  30. David Gonzalez - State Farm Insurance Agent

    136 Wyckoff Avenue, , NY
    +1 718-386-6800 3.0 mi from city center Mo-Fr 09:00-17:00; Sa 10:00-14:00
    Google Maps Apple Maps Waze

  31. Royal Service Pro

    762 5th Avenue, , NY 11232
    +1 877-997-6925 3.1 mi from city center
    Google Maps Apple Maps Waze

  32. Kasem Khan (SEM) - Allstate

    2110 Flatbush Ave, Brooklyn, NY 11234
    +1 718-421-6400 3.1 mi from city center Mo-Fr 09:00-18:00; Sa 09:00-13:00; Su closed
    Google Maps Apple Maps Waze

  33. Next Century Insurance

    NY
    +1 718-788-3585 3.2 mi from city center
    Google Maps Apple Maps Waze

  34. Action Insurance Agency & Tax Service

    357 Smith Street, , NY 11231
    +1 718-222-3581 3.2 mi from city center
    Google Maps Apple Maps Waze

  35. Mid-City Brokerage Corp.

    386 Broadway, , NY 11211
    +1 718-384-0300 3.2 mi from city center
    Google Maps Apple Maps Waze

  36. Allstate

    1507 Avenue M, Brooklyn, NY 11230
    +1 718-338-8866 3.3 mi from city center Mo-Th 09:00-18:00; Fr 09:00-17:00; Sa off; Su "by appointment"
    Google Maps Apple Maps Waze

  37. Brownstone Agency

    NY
    +1 718-797-4661 3.3 mi from city center Mo-Th 09:00-16:00
    Google Maps Apple Maps Waze

  38. Rubin & Rosen Adjusters

    3615 Quentin Rd, Brooklyn, NY 11234
    +1 718-376-6800 3.3 mi from city center Mo-Fr 07:00-17:00
    Google Maps Apple Maps Waze

  39. A.J. Ciccone - Allstate

    132 32nd St, Ste 302, Brooklyn, NY 11232
    +1 718-412-9192 3.4 mi from city center Mo-Fr 09:00-17:00; Sa-Su closed
    Google Maps Apple Maps Waze

  40. Shea Grunzweig - Allstate

    5101 16th Ave, Brooklyn, NY 11204
    +1 718-302-4500 3.4 mi from city center Mo-Th 09:00-17:00; Fr 09:00-16:00; Sa-Su closed
    Google Maps Apple Maps Waze

Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.

Insurance cost of popular cars in New York City

ModelSegmentEst. full coverage / yrvs. average car
Honda CR-VSmall SUV$1,975−24%
Subaru OutbackWagon$1,930−25%
Tesla Model 3Midsize car$2,690+4%
Subaru ForesterSmall SUV$1,880−27%
Honda CivicCompact car$2,990+16%
Toyota CorollaCompact car$2,810+9%
Jeep WranglerMidsize SUV$2,310−11%
Mazda CX-5Small SUV$2,215−14%
MINI CooperSubcompact car$1,980−23%
Tesla Model YMidsize SUV$2,420−6%

See insurance costs for every make and model

More car insurance topics in New York City

Non-owner car insurance in New York City

Car insurance in nearby New York cities

All New York cities and state rules · Homeowners insurance in New York City

Frequently asked questions

How much is car insurance in New York City, NY?

We estimate full coverage in New York City at about $2,585 a year ($216 a month) for a driver in their 30s with a clean record, and about $1,130 for New York's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.

Why is car insurance in New York City more expensive than the New York average?

Our New York City estimate is 21% higher than the statewide figure. The model reflects a population density of 28,217 people per square mile (the typical New York resident lives at about 2,786) and an average commute of 40.3 minutes versus 32.6 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.

What car insurance is required in New York City?

Drivers in New York City follow New York law: at least 25/50/10 liability coverage plus PIP and uninsured motorist coverage.

Which ZIP code in New York City has the cheapest car insurance?

Among New York City's 183 ZIP codes, 10004 has the lowest estimate (about $2,200 a year for full coverage) and 10468 the highest (about $2,875), mainly because of differences in density and commute times.

How much is car insurance for a teenager in New York City?

An 18-year-old with their own full-coverage policy would pay around $7,115 a year in New York City by our estimate ($3,105 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.

Does weather affect car insurance in New York City?

Yes. FEMA's National Risk Index rates Kings County for hail (relatively high), hurricane (relatively high), inland (river) flooding (very high), and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.

Are there car insurance agents near me in New York City?

We list 339 insurance offices in and around New York City, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page