New York average car insurance premium
These are not quotes or estimates. They are the average premium actually written per insured vehicle, as reported by insurers to state regulators and compiled by the NAIC. That makes them slower to update than a rate-quote site, and far harder to argue with.
2023
$541
5th highest of 51 states and DC. National average that year was $464.
2019 –2023
| Year | New York | National | Relative |
|---|---|---|---|
| 2019 | $470 | $382 | +23.1% |
| 2020 | $455 | $371 | +22.7% |
| 2021 | $476 | $377 | +26.1% |
| 2022 | $486 | $400 | +21.4% |
| 2023 | $541 | $464 | +16.7% |
Over the full period New York moved up 15.1%, against 21.4% nationally. 2023 is also the highest year in this window.