Cheapest car insurance in New York City, New York
New York requires minimum liability coverage of 25/50/10. Rates below are monthly estimates for the 25-55 driver, Full coverage, Excellent credit bracket.
Pulled directly from carrier rate filings for this city.
New York City is one of the larger markets Open Rate Index tracks, with 8,340,000 residents and enough filed volume to keep the spread below stable month to month. The spread here is wide, 42% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 18% more than the national baseline we track.
New York City is priced against 6 insurers for the 25-55 driver, Full coverage, Excellent credit bracket. Below is every step from the national baseline to your best filed rate.
Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.