What is the best car insurance company in New York?

No single company offers the best car insurance for every driver in New York. Depending on your budget, your risk profile and your priorities, there may be a range of carriers with a good fit for your needs. The best way to find your fit is to compare rates from multiple companies and research reviews and insights from current customers.

What is the average cost of minimum coverage in New York?

State minimum car insurance in New York State costs an average of $144 per month, or $1,729 per year. That's 115 percent more than the national average. New York's minimum coverage rates are so high because the state's minimum coverage requirements are robust compared to other states, and because related costs like collision repair and healthcare may be higher in New York than elsewhere.

What is the cheapest car insurance company in New York?

Bankrate's analysis of the cheapest car insurance providers in New York State identified Utica National, Progressive and Preferred Mutual as three of the most affordable carriers for the average driver. However, they may not be cheapest for everyone. Remember that your premiums are based on a complex set of calculations that differs from company to company, and you may be eligible for lower rates from an insurer not listed in our analysis.

How much insurance is required in New York?

New York car insurance laws require all drivers to carry 25/50/10 liability coverage, along with 50/100 liability benefits for death. On top of liability coverage, all car insurance policies must include $50,000 of personal injury protection (PIP) first-party coverage and $25,000/$50,000 of uninsured motorist coverage. Finally, New York recently added a requirement that all policies include supplemental spousal liability coverage unless the policyholder declines this coverage in writing. While these minimum coverage requirements raise the cost of insurance in New York, driving without insurance is a serious offense that could lead to even higher costs later on.

How much is car insurance per month in New York?

If you have a full coverage car insurance policy in New York, Bankrate's analysis shows that you'll pay an average of $336 per month to maintain it. Drivers with only state minimum coverage pay an average of $144 per month.

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Average cost of car insurance in New York for 2025

Written by

R.E. Hawley

Edited by

Amelia Buckley

Reviewed by

Mark Friedlander

Updated Sep 08, 2025

Drivers in New York State pay an average of $336 per month for full coverage car insurance and $144 per month for state minimum coverage.

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Key takeaways

On average, New Yorkers pay $336 per month for full coverage auto insurance and $144 per month for state minimum insurance.

Average full coverage insurance in the state costs 51 percent more than the national average.

New York parents with a teen driver on their policy pay an average of $620 per month for full coverage car insurance.

Drivers with a single speeding ticket pay an average of 8 percent more for full coverage car insurance in New York.

New York car insurance rates by city

New York has some of the highest average car insurance rates of any state — but car insurance costs in New York can look very different depending on which part of the state you live in. In Bankrate's analysis of premium data from Quadrant Information Services, we found the lowest average rates in rural and suburban areas of Western New York, with the highest rates clustering around the New York City metro area, including Long Island and Westchester County.

City	Avg. monthly full coverage premium	Avg. annual full coverage premium	Avg. savings vs. state average
Guilderland	$165	$1,984	-68%
Lake Pleasant	$165	$1,976	-68%
Ravena	$182	$2,189	-59%
Hankins	$242	$2,900	-33%
Jordan	$162	$1,947	-70%
Leonardsville	$183	$2,198	-59%
Pierrepont Manor	$157	$1,887	-72%
Masonville	$183	$2,191	-59%
Lawtons	$178	$2,133	-62%
Tonawanda	$175	$2,102	-63%
Albion	$172	$2,058	-65%
Rochester	$157	$1,887	-72%
Tallman	$255	$3,066	-27%
Stockton	$163	$1,958	-69%
Greenwood	$170	$2,040	-66%
New York	$398	$4,770	+17%
Bronx	$513	$6,154	+42%
Highland Mills	$237	$2,843	-35%
Uniondale	$384	$4,609	+13%
Callicoon Center	$245	$2,938	-31%
Port Jervis	$243	$2,921	-32%
Syracuse	$173	$2,070	-64%
Palatine Bridge	$164	$1,968	-69%
Roseboom	$186	$2,226	-58%
Antwerp	$156	$1,876	-73%
Chaumont	$157	$1,882	-73%
South Byron	$158	$1,900	-72%
Little Genesee	$169	$2,027	-66%
Elmira	$150	$1,805	-76%
Wilson	$178	$2,131	-62%
Walworth	$152	$1,829	-75%
Staten Island	$410	$4,916	+20%
White Plains	$248	$2,975	-30%
Central Valley	$238	$2,853	-34%
Commack	$299	$3,585	-12%
Saint James	$293	$3,522	-13%
Albany	$169	$2,024	-66%
Champlain	$156	$1,871	-73%
Sandusky	$176	$2,108	-63%
Black Creek	$174	$2,084	-64%
Addison	$168	$2,020	-66%
Odessa	$161	$1,929	-71%
Croton On Hudson	$235	$2,822	-35%
Brooklyn	$561	$6,728	+50%
Saint Albans	$487	$5,846	+37%
Westbury	$335	$4,019	-0%
Eastport	$250	$2,999	-29%
Southampton	$247	$2,964	-31%
Fort Hunter	$164	$1,969	-69%
Stuyvesant	$187	$2,242	-57%
Phoenix	$164	$1,966	-69%
Buffalo	$225	$2,705	-39%
Big Flats	$150	$1,797	-77%
Islandia	$305	$3,658	-10%
Medford	$277	$3,321	-19%
Water Mill	$247	$2,962	-31%
Pattersonville	$164	$1,968	-69%
Shokan	$206	$2,471	-48%
Ferndale	$257	$3,087	-27%
Summitville	$254	$3,043	-28%
Hague	$161	$1,935	-70%
De Kalb Junction	$162	$1,948	-70%
Tunnel	$169	$2,023	-66%
Springville	$178	$2,139	-61%
Byron	$162	$1,944	-70%
Fillmore	$173	$2,071	-64%
New City	$264	$3,170	-24%
Jamaica	$475	$5,705	+34%
Fleischmanns	$199	$2,392	-51%
Ancram	$196	$2,349	-53%
Hillsdale	$192	$2,302	-55%
Bakers Mills	$163	$1,962	-69%
North Granville	$161	$1,931	-70%
Lawrenceville	$161	$1,937	-70%
Wampsville	$163	$1,957	-69%
Chadwicks	$172	$2,064	-65%
Apalachin	$159	$1,903	-72%
Endicott	$157	$1,882	-73%
Corfu	$173	$2,079	-64%
Gasport	$178	$2,131	-62%
Cuba	$173	$2,079	-64%
Horseheads	$150	$1,795	-77%
Richfield Springs	$184	$2,212	-58%
Kill Buck	$169	$2,029	-66%
Wellsville	$168	$2,018	-67%
Warsaw	$176	$2,117	-62%
Jasper	$169	$2,026	-66%
West Shokan	$208	$2,491	-47%
Castle Point	$217	$2,605	-43%
Kauneonga Lake	$252	$3,024	-29%
Bronxville	$263	$3,159	-24%
Ridgewood	$431	$5,170	+25%
Centereach	$278	$3,334	-19%
Cutchogue	$249	$2,992	-30%
Delanson	$165	$1,982	-68%
East Jewett	$204	$2,452	-49%
South Cairo	$201	$2,409	-50%
Rhinebeck	$210	$2,516	-46%
Obernburg	$248	$2,979	-30%
Comstock	$161	$1,927	-71%
Mooers Forks	$157	$1,884	-73%
Sherrill	$167	$2,003	-67%
Candor	$159	$1,913	-71%
Clarence Center	$175	$2,099	-63%
Middlesex	$161	$1,932	-70%
West Point	$237	$2,840	-35%
North Branch	$246	$2,949	-31%
Groton	$164	$1,964	-69%
Long Island City	$466	$5,595	+33%
Miller Place	$277	$3,323	-19%
Port Jefferson Station	$278	$3,333	-19%
Petersburg	$173	$2,078	-64%
Willow	$207	$2,488	-47%
Middle Grove	$160	$1,916	-71%
Rodman	$159	$1,904	-72%
Port Gibson	$164	$1,966	-69%
South Wales	$180	$2,164	-60%
Branchport	$162	$1,940	-70%
Keuka Park	$160	$1,922	-71%
Erin	$161	$1,930	-71%
Ithaca	$162	$1,945	-70%
Old Forge	$169	$2,032	-66%
Atlanta	$168	$2,011	-67%
Whitesville	$171	$2,050	-65%
East Marion	$249	$2,993	-30%
Cherry Plain	$173	$2,079	-64%
Burlingham	$254	$3,050	-28%
Westbrookville	$249	$2,988	-30%
Sabael	$163	$1,955	-69%
Brewerton	$160	$1,914	-71%
Pennellville	$163	$1,956	-69%
Morrisville	$166	$1,997	-67%
Parishville	$163	$1,954	-69%
Wayland	$168	$2,019	-67%
Clymer	$167	$2,010	-67%
Great Neck	$338	$4,054	+1%
Bayside	$419	$5,032	+22%
Jackson Heights	$441	$5,290	+27%
Farmingdale	$298	$3,575	-12%
Middle Island	$278	$3,332	-19%
Dormansville	$181	$2,167	-60%
Schenectady	$166	$1,994	-68%
Lake Huntington	$251	$3,018	-29%
Rainbow Lake	$162	$1,948	-70%
Solsville	$168	$2,019	-67%
East Amherst	$181	$2,177	-60%
Farmington	$151	$1,814	-76%
Randolph	$168	$2,017	-67%
Westfield	$164	$1,971	-69%
Constantia	$165	$1,984	-68%
Edwards	$162	$1,949	-70%
Bliss	$180	$2,156	-61%
Holley	$171	$2,057	-65%
Linwood	$168	$2,014	-67%
Naples	$164	$1,963	-69%
West Bloomfield	$155	$1,860	-74%
Pulteney	$169	$2,029	-66%
Tomkins Cove	$261	$3,136	-25%
Elmhurst	$443	$5,318	+28%
Cambria Heights	$484	$5,803	+36%
Far Rockaway	$469	$5,624	+33%
Jericho	$321	$3,849	-5%
Montauk	$247	$2,962	-31%
Salisbury Mills	$237	$2,841	-35%
Fabius	$163	$1,952	-70%
Eagle Bay	$169	$2,023	-66%
Yorkville	$175	$2,103	-63%
Chase Mills	$161	$1,928	-71%
Binghamton	$155	$1,860	-74%
Gainesville	$177	$2,125	-62%
Lancaster	$173	$2,074	-64%
Castile	$174	$2,089	-63%
Sonyea	$164	$1,973	-69%
Greenvale	$326	$3,912	-3%
Bayport	$286	$3,433	-16%
Central Bridge	$181	$2,168	-60%
Cropseyville	$171	$2,057	-65%
Pine Hill	$206	$2,472	-48%
Brookfield	$168	$2,015	-67%
Sherburne	$170	$2,035	-66%
Deposit	$173	$2,081	-64%
Attica	$167	$2,002	-67%
Farnham	$184	$2,212	-58%
Middle Granville	$162	$1,940	-70%
Memphis	$165	$1,979	-68%
Frankfort	$166	$1,997	-67%
Mendon	$156	$1,871	-73%
Shirley	$277	$3,326	-19%
Catskill	$197	$2,369	-52%
Amenia	$214	$2,569	-44%
Diamond Point	$161	$1,935	-70%
Mc Graw	$163	$1,954	-69%
Dexter	$157	$1,882	-73%
Bloomfield	$159	$1,906	-72%
Webster	$149	$1,785	-77%
Chemung	$161	$1,933	-70%
Hornell	$165	$1,976	-68%
Freeport	$382	$4,578	+13%
Bayville	$315	$3,777	-7%
East Moriches	$252	$3,028	-28%
Alcove	$182	$2,185	-59%
Duanesburg	$165	$1,984	-68%
Highland	$216	$2,591	-43%
Jamesville	$162	$1,942	-70%
West Burlington	$186	$2,230	-58%
Alexandria Bay	$156	$1,877	-73%
Collins Center	$179	$2,150	-61%
Lima	$166	$1,989	-68%
Baldwin Place	$238	$2,859	-34%
Katonah	$234	$2,809	-36%
Pleasantville	$233	$2,796	-36%
Nanuet	$264	$3,167	-24%
Cold Spring Harbor	$303	$3,634	-10%
Brainard	$175	$2,105	-63%
Hunter	$203	$2,431	-50%
Liberty	$261	$3,137	-25%
Athol	$163	$1,957	-69%
Munnsville	$166	$1,989	-68%
Sackets Harbor	$157	$1,882	-73%
East Pharsalia	$172	$2,063	-65%
Niagara University	$186	$2,233	-57%
Prattsburgh	$169	$2,030	-66%
Floral Park	$373	$4,475	+10%
Port Washington	$333	$3,998	-1%
Hollis	$460	$5,519	+31%
West Hempstead	$377	$4,530	+12%
Valley Stream	$380	$4,559	+12%
Ronkonkoma	$278	$3,338	-19%
Voorheesville	$163	$1,961	-69%
Purling	$201	$2,412	-50%
Wassaic	$214	$2,572	-44%
Bridgeport	$161	$1,926	-71%
Savannah	$159	$1,902	-72%
Andes	$196	$2,353	-53%
Pavilion	$173	$2,070	-64%
Armonk	$234	$2,805	-36%
Mountainville	$261	$3,137	-25%
Amityville	$309	$3,704	-8%
Kinderhook	$187	$2,241	-57%
Poestenkill	$170	$2,038	-66%
Wappingers Falls	$217	$2,602	-43%
Glen Wild	$250	$3,006	-29%
Dolgeville	$164	$1,974	-69%
Woodgate	$172	$2,062	-65%
Afton	$168	$2,012	-67%
Lake View	$179	$2,150	-61%
Beaver Dams	$158	$1,899	-72%
Lakemont	$161	$1,937	-70%
Clarksville	$173	$2,073	-64%
Quaker Street	$166	$1,991	-68%
Pond Eddy	$253	$3,040	-28%
White Lake	$258	$3,095	-26%
Lee Center	$170	$2,041	-66%
Sanborn	$178	$2,141	-61%
Limestone	$168	$2,020	-66%
Richburg	$168	$2,012	-67%
Lindley	$166	$1,997	-67%
Glen Spey	$254	$3,043	-28%
Garrattsville	$184	$2,214	-58%
Jordanville	$175	$2,097	-63%
Washington Mills	$167	$2,009	-67%
Williamstown	$166	$1,994	-68%
Vestal	$153	$1,839	-75%
Basom	$172	$2,070	-64%
Model City	$180	$2,157	-61%
Cherry Creek	$168	$2,015	-67%
West Clarksville	$166	$1,997	-67%
Canisteo	$169	$2,028	-66%
Kanona	$166	$1,994	-68%
East Rockaway	$369	$4,427	+9%
Arverne	$469	$5,623	+33%
Valley Falls	$169	$2,033	-66%
Canajoharie	$166	$1,988	-68%
Niagara Falls	$187	$2,241	-57%
Belfast	$171	$2,046	-65%
Medusa	$191	$2,297	-55%
Troy	$169	$2,027	-66%
Haines Falls	$209	$2,503	-47%
Newburgh	$234	$2,808	-36%
East Homer	$166	$1,990	-68%
Mamaroneck	$246	$2,957	-31%
Corona	$447	$5,361	+28%
Cohoes	$163	$1,954	-69%
Tribes Hill	$171	$2,057	-65%
Barrytown	$211	$2,533	-46%
Montgomery	$246	$2,946	-31%
Shushan	$162	$1,938	-70%
Lyon Mountain	$158	$1,900	-72%
La Fayette	$165	$1,975	-68%
Brier Hill	$162	$1,948	-70%
Mount Upton	$169	$2,024	-66%
Burt	$179	$2,146	-61%
Lyndonville	$174	$2,087	-64%
Smithtown	$296	$3,554	-13%
Hicksville	$315	$3,781	-6%
Hoosick Falls	$171	$2,056	-65%
South Otselic	$170	$2,042	-65%
Holland Patent	$172	$2,065	-65%
Norfolk	$161	$1,931	-70%
Conesus	$171	$2,058	-65%
Groveland	$169	$2,032	-66%
Nunda	$170	$2,041	-66%
Dundee	$160	$1,920	-71%
North Babylon	$314	$3,769	-7%
Huntington Station	$304	$3,652	-10%
Northville	$166	$1,988	-68%
Yulan	$253	$3,037	-28%
Central Square	$163	$1,950	-70%
Genoa	$163	$1,959	-69%
Averill Park	$171	$2,056	-65%
Leeds	$194	$2,322	-54%
Fallsburg	$266	$3,196	-23%
Stony Creek	$164	$1,966	-69%
Hubbardsville	$167	$2,009	-67%
Rensselaer Falls	$163	$1,952	-70%
Farmersville Station	$176	$2,106	-63%
Spring Brook	$178	$2,138	-61%
Victor	$151	$1,811	-76%
Middle Village	$420	$5,037	+22%
Flushing	$439	$5,264	+27%
Island Park	$369	$4,431	+9%
College Point	$420	$5,037	+22%
Wyandanch	$318	$3,821	-5%
East Greenbush	$170	$2,035	-66%
North Hoosick	$174	$2,086	-64%
Speculator	$166	$1,991	-68%
Tivoli	$209	$2,504	-47%
Poughkeepsie	$214	$2,563	-45%
Mountain Dale	$258	$3,093	-26%
Cambridge	$164	$1,965	-69%
Marcellus	$162	$1,939	-70%
West Monroe	$166	$1,987	-68%
Millport	$158	$1,895	-72%
Brentwood	$320	$3,836	-5%
Howells	$253	$3,032	-28%
Rockville Centre	$365	$4,384	+8%
Riverhead	$250	$3,001	-29%
Accord	$212	$2,547	-45%
Stanfordville	$216	$2,592	-43%
Eaton	$167	$2,009	-67%
Waccabuc	$235	$2,825	-35%
Holtsville	$275	$3,297	-20%
Peconic	$249	$2,994	-30%
Roxbury	$190	$2,279	-56%
Granville	$160	$1,925	-71%
Malone	$160	$1,920	-71%
Westernville	$171	$2,047	-65%
Brewster	$238	$2,859	-34%
Mount Vernon	$339	$4,067	+1%
Bellerose	$400	$4,801	+17%
Ocean Beach	$290	$3,486	-15%
Utica	$176	$2,116	-62%
Theresa	$157	$1,878	-73%
Owego	$158	$1,902	-72%
North Evans	$183	$2,197	-59%
Maple Springs	$168	$2,021	-66%
Watkins Glen	$161	$1,930	-70%
Thornwood	$233	$2,800	-36%
Elmont	$377	$4,528	+12%
Northport	$299	$3,584	-12%
Broadalbin	$166	$1,990	-68%
Climax	$194	$2,324	-54%
Lake Peekskill	$237	$2,846	-34%
Inwood	$390	$4,683	+15%
Rockaway Park	$465	$5,575	+32%
Great River	$294	$3,525	-13%
Moriches	$266	$3,186	-23%
Warnerville	$182	$2,184	-59%
Tillson	$213	$2,552	-45%
Redford	$157	$1,879	-73%
Mc Lean	$160	$1,924	-71%
Mannsville	$159	$1,910	-71%
Otego	$183	$2,197	-59%
Wells Bridge	$186	$2,237	-57%
East Bethany	$166	$1,997	-67%
Brookhaven	$276	$3,314	-20%
Halcottsville	$197	$2,370	-52%
Red Hook	$200	$2,403	-51%
Gouverneur	$160	$1,920	-71%
Glen Aubrey	$161	$1,927	-71%
Orchard Park	$178	$2,132	-62%
Goshen	$243	$2,919	-32%
Pearl River	$262	$3,147	-25%
Locust Valley	$315	$3,778	-6%
Sound Beach	$279	$3,347	-19%
Mastic	$274	$3,292	-20%
East Worcester	$184	$2,210	-58%
West Lebanon	$186	$2,234	-57%
Walden	$235	$2,815	-36%
Putnam Station	$159	$1,908	-71%
Liverpool	$158	$1,891	-72%
North Pitcher	$170	$2,041	-66%
Pulaski	$165	$1,984	-68%
Ilion	$169	$2,033	-66%
Depew	$179	$2,147	-61%
Amawalk	$235	$2,815	-36%
Millwood	$235	$2,826	-35%
East Setauket	$277	$3,320	-19%
Plainview	$316	$3,789	-6%
Mooers	$156	$1,873	-73%
Richville	$163	$1,950	-70%
Knowlesville	$170	$2,038	-66%
Ontario	$151	$1,817	-76%
Jacksonville	$163	$1,953	-69%
Bellvale	$257	$3,090	-26%
Garden City	$353	$4,239	+5%
Center Moriches	$257	$3,081	-27%
Barryville	$264	$3,174	-24%
Port Chester	$245	$2,946	-31%
Manhasset	$334	$4,005	-1%
Little Neck	$399	$4,785	+17%
Eagle Bridge	$164	$1,965	-69%
Whitehall	$161	$1,927	-71%
South Colton	$163	$1,956	-69%
Ripley	$165	$1,980	-68%
Lockwood	$160	$1,916	-71%
Elmsford	$249	$2,984	-30%
Circleville	$239	$2,863	-34%
Woodside	$420	$5,043	+22%
Fultonham	$183	$2,192	-59%
North Blenheim	$183	$2,197	-59%
Cornwall	$235	$2,822	-35%
Pine Bush	$239	$2,868	-34%
Highland Lake	$253	$3,035	-28%
Kattskill Bay	$161	$1,928	-71%
Mottville	$160	$1,925	-71%
Waterloo	$155	$1,864	-74%
Milford	$183	$2,199	-59%
Lockport	$177	$2,121	-62%
East Otto	$177	$2,119	-62%
Greenhurst	$168	$2,021	-66%
Verplanck	$235	$2,819	-35%
New Rochelle	$262	$3,143	-25%
South Jamesport	$254	$3,050	-28%
Malden Bridge	$188	$2,257	-56%
Rensselaerville	$183	$2,198	-59%
Gansevoort	$156	$1,876	-73%
Cato	$162	$1,949	-70%
Manlius	$163	$1,958	-69%
Clark Mills	$173	$2,073	-64%
Lowville	$166	$1,989	-68%
South New Berlin	$171	$2,047	-65%
Rushville	$156	$1,878	-73%
Ulster Park	$210	$2,518	-46%
Loch Sheldrake	$263	$3,151	-24%
Plattsburgh	$155	$1,863	-74%
Massena	$160	$1,923	-71%
Sardinia	$182	$2,186	-59%
Penn Yan	$159	$1,904	-72%
Dewittville	$164	$1,964	-69%
Peekskill	$234	$2,810	-36%
Whitestone	$420	$5,035	+22%
East Elmhurst	$439	$5,267	+27%
Sand Lake	$173	$2,078	-64%
East Durham	$196	$2,355	-52%
Bombay	$160	$1,925	-71%
East Syracuse	$159	$1,907	-72%
Cooperstown	$185	$2,214	-58%
Vernon Center	$168	$2,019	-67%
West Winfield	$181	$2,168	-60%
Laurens	$184	$2,211	-58%
Nichols	$159	$1,907	-72%
Irving	$181	$2,174	-60%
Alma	$170	$2,039	-66%
Ceres	$170	$2,038	-66%
Old Westbury	$335	$4,015	-0%
Alplaus	$163	$1,954	-69%
White Sulphur Springs	$253	$3,037	-28%
Fort Ann	$161	$1,930	-70%
Fair Haven	$162	$1,943	-70%
Scipio Center	$160	$1,919	-71%
Hamilton	$168	$2,012	-67%
Gerry	$161	$1,937	-70%
Tuckahoe	$257	$3,082	-27%
Astoria	$467	$5,600	+33%
South Richmond Hill	$480	$5,761	+35%
Baldwin	$372	$4,459	+10%
Roslyn Heights	$335	$4,019	-0%
Melville	$304	$3,649	-10%
Sagaponack	$262	$3,148	-25%
Ballston Lake	$157	$1,889	-72%
Gilboa	$188	$2,256	-56%
Melrose	$171	$2,057	-65%
Lagrangeville	$219	$2,626	-42%
Cranberry Lake	$162	$1,944	-70%
Aurora	$161	$1,927	-71%
Sylvan Beach	$168	$2,022	-66%
Hartsdale	$248	$2,976	-30%
South Glens Falls	$156	$1,868	-73%
Piercefield	$161	$1,930	-71%
Dresden	$160	$1,915	-71%
Portageville	$176	$2,108	-63%
Panama	$167	$2,001	-67%
Slate Hill	$244	$2,930	-32%
Nesconset	$290	$3,480	-15%
Fonda	$168	$2,015	-67%
Salem	$161	$1,927	-71%
Cadyville	$156	$1,872	-73%
Whippleville	$161	$1,933	-70%
Minoa	$159	$1,904	-72%
Hancock	$187	$2,243	-57%
East Aurora	$177	$2,124	-62%
Adams Basin	$155	$1,857	-74%
Sea Cliff	$315	$3,777	-7%
Oswego	$162	$1,949	-70%
Croghan	$165	$1,982	-68%
Rome	$170	$2,038	-66%
Watertown	$156	$1,872	-73%
Derby	$186	$2,230	-58%
Tarrytown	$237	$2,841	-35%
Greenville	$195	$2,338	-53%
Mount Marion	$199	$2,385	-51%
North Creek	$160	$1,925	-71%
Wevertown	$160	$1,925	-71%
Verona Beach	$166	$1,997	-67%
Springfield Center	$183	$2,196	-59%
Marathon	$164	$1,973	-69%
Smithboro	$166	$1,995	-68%
Walton	$187	$2,250	-57%
Montour Falls	$160	$1,918	-71%
Cameron Mills	$169	$2,026	-66%
Johnson	$253	$3,036	-28%
Fresh Meadows	$422	$5,066	+23%
Kew Gardens	$457	$5,485	+31%
Amagansett	$250	$2,999	-29%
East Chatham	$189	$2,264	-56%
Freeville	$162	$1,949	-70%
Edmeston	$185	$2,215	-58%
Felts Mills	$158	$1,896	-72%
Thousand Island Park	$157	$1,882	-73%
Whitney Point	$162	$1,939	-70%
Angola	$183	$2,200	-59%
Clifton Springs	$152	$1,830	-75%
Lyons	$153	$1,841	-75%
Caneadea	$172	$2,068	-64%
West Edmeston	$173	$2,082	-64%
Corbettsville	$160	$1,925	-71%
Varysburg	$175	$2,106	-63%
Saint Bonaventure	$169	$2,031	-66%
Interlaken	$160	$1,921	-71%
Cattaraugus	$175	$2,099	-63%
Sinclairville	$163	$1,962	-69%
Cameron	$168	$2,018	-67%
Falconer	$163	$1,954	-69%
Steamburg	$168	$2,015	-67%
Newfield	$163	$1,958	-69%
Nyack	$262	$3,142	-25%
Queens Village	$453	$5,440	+30%
South Bethlehem	$177	$2,125	-62%
Glenford	$211	$2,527	-46%
Cornwall On Hudson	$234	$2,806	-36%
Hinckley	$170	$2,042	-65%
Davenport	$189	$2,263	-56%
Scottsburg	$169	$2,030	-66%
East Randolph	$172	$2,064	-65%
Hinsdale	$166	$1,995	-68%
Corning	$151	$1,816	-76%
Mecklenburg	$161	$1,926	-71%
South Salem	$236	$2,830	-35%
Rosedale	$478	$5,742	+35%
Ellenville	$221	$2,653	-41%
Hudson Falls	$155	$1,859	-74%
Dickinson Center	$161	$1,931	-70%
Cleveland	$166	$1,997	-67%
Oriskany Falls	$169	$2,028	-66%
Adams Center	$157	$1,884	-73%
Batavia	$166	$1,986	-68%
Palmyra	$152	$1,827	-75%
Troupsburg	$169	$2,031	-66%
Kings Park	$295	$3,545	-13%
Kingston	$209	$2,510	-47%
Earlville	$167	$2,010	-67%
Harrisville	$163	$1,956	-69%
Colliersville	$180	$2,165	-60%
Smithville Flats	$169	$2,032	-66%
Fancher	$165	$1,986	-68%
Penfield	$149	$1,782	-77%
Cohocton	$168	$2,014	-67%
Blauvelt	$262	$3,148	-25%
Greenwood Lake	$247	$2,966	-30%
Tappan	$261	$3,137	-25%
Stony Brook	$279	$3,347	-19%
Ballston Spa	$160	$1,925	-71%
West Sand Lake	$170	$2,042	-66%
Chelsea	$217	$2,603	-43%
Walker Valley	$220	$2,634	-42%
Middleville	$169	$2,029	-66%
Verona	$166	$1,986	-68%
Whitesboro	$172	$2,066	-64%
Limerick	$157	$1,879	-73%
Oswegatchie	$163	$1,955	-69%
Nineveh	$163	$1,959	-69%
Canaseraga	$169	$2,031	-66%
Glenfield	$168	$2,012	-67%
Collins	$178	$2,131	-62%
Retsof	$169	$2,032	-66%
Monroe	$249	$2,986	-30%
Charlotteville	$184	$2,204	-59%
Middleburgh	$184	$2,206	-59%
Oneida	$165	$1,981	-68%
Unadilla	$186	$2,229	-58%
Java Center	$180	$2,165	-60%
Lakeville	$166	$1,996	-68%
Angelica	$170	$2,041	-66%
Islip Terrace	$303	$3,642	-10%
Schodack Landing	$172	$2,067	-64%
Margaretville	$198	$2,371	-52%
Stone Ridge	$209	$2,506	-47%
Cortlandt Manor	$234	$2,811	-36%
West Harrison	$239	$2,867	-34%
Port Ewen	$210	$2,517	-46%
Hannibal	$164	$1,971	-69%
Truxton	$165	$1,981	-68%
Caledonia	$174	$2,093	-63%
Ontario Center	$155	$1,866	-73%
Chautauqua	$171	$2,058	-65%
Stow	$166	$1,993	-68%
Spencer	$160	$1,919	-71%
Sag Harbor	$247	$2,963	-31%
Schaghticoke	$168	$2,016	-67%
Lisle	$161	$1,929	-71%
Findley Lake	$168	$2,014	-67%
Lakewood	$162	$1,940	-70%
Hammondsport	$170	$2,037	-66%
Woodhull	$169	$2,030	-66%
Lake Clear	$160	$1,923	-71%
Homer	$163	$1,953	-69%
Russell	$162	$1,950	-70%
East Meredith	$186	$2,232	-57%
Ransomville	$177	$2,124	-62%
Strykersville	$180	$2,157	-61%
Sodus Point	$156	$1,877	-73%
Himrod	$159	$1,911	-71%
Ardsley	$249	$2,988	-30%
Carle Place	$337	$4,039	+0%
Hempstead	$391	$4,693	+15%
Stephentown	$174	$2,088	-64%
Bloomington	$210	$2,516	-46%
Hensonville	$203	$2,434	-49%
New Windsor	$237	$2,839	-35%
Kenoza Lake	$248	$2,978	-30%
Swan Lake	$258	$3,100	-26%
Vermontville	$160	$1,922	-71%
Elbridge	$159	$1,914	-71%
Inlet	$166	$1,990	-68%
Great Bend	$158	$1,894	-72%
Forestville	$169	$2,025	-66%
Middleport	$177	$2,122	-62%
Silver Springs	$176	$2,110	-63%
Portland	$164	$1,968	-69%
Kennedy	$161	$1,930	-70%
Arkport	$164	$1,970	-69%
Slaterville Springs	$164	$1,967	-69%
Tannersville	$201	$2,417	-50%
Clintondale	$222	$2,662	-41%
Grahamsville	$246	$2,948	-31%
Clockville	$166	$1,992	-68%
Chenango Forks	$163	$1,956	-69%
Oneonta	$184	$2,211	-58%
Fairport	$148	$1,777	-78%
Friendship	$171	$2,056	-65%
Trumansburg	$163	$1,961	-69%
Shrub Oak	$234	$2,808	-36%
Long Beach	$374	$4,488	+11%
Old Bethpage	$314	$3,772	-7%
Gardiner	$216	$2,596	-43%
Queensbury	$153	$1,840	-75%
Baldwinsville	$158	$1,894	-72%
Perrysburg	$173	$2,072	-64%
Avoca	$165	$1,983	-68%
Hamburg	$174	$2,090	-63%
Kent	$174	$2,085	-64%
Manchester	$152	$1,822	-76%
Mahopac Falls	$243	$2,913	-32%
Yorktown Heights	$234	$2,809	-36%
Sterling Forest	$253	$3,041	-28%
Glen Cove	$315	$3,778	-6%
Arden	$257	$3,083	-27%
Middletown	$245	$2,943	-31%
Ozone Park	$486	$5,827	+36%
Chappaqua	$234	$2,811	-36%
Lawrence	$384	$4,604	+13%
Roslyn	$332	$3,986	-1%
Pelham	$269	$3,227	-22%
Hillburn	$263	$3,159	-24%
Forest Hills	$421	$5,057	+23%
East Meadow	$352	$4,225	+5%
Bellport	$275	$3,302	-20%
New Suffolk	$260	$3,123	-25%
Niverville	$185	$2,221	-58%
Claryville	$220	$2,645	-42%
Conklin	$154	$1,846	-74%
South Kortright	$189	$2,270	-56%
Bolivar	$171	$2,048	-65%
Sloansville	$181	$2,172	-60%
Kirkville	$160	$1,920	-71%
Geneseo	$167	$2,003	-67%
Coram	$278	$3,341	-19%
Buskirk	$169	$2,028	-66%
Harpursville	$163	$1,950	-70%
Bowmansville	$175	$2,101	-63%
Avon	$166	$1,997	-67%
Rexville	$169	$2,032	-66%
Southfields	$247	$2,959	-31%
Copiague	$311	$3,730	-8%
Sayville	$286	$3,433	-16%
Slingerlands	$167	$2,004	-67%
Connelly	$205	$2,463	-48%
Copake Falls	$193	$2,318	-54%
Philmont	$193	$2,314	-54%
Wingdale	$219	$2,628	-42%
Rye	$246	$2,957	-31%
Maryknoll	$236	$2,834	-35%
Ossining	$235	$2,817	-35%
Bear Mountain	$263	$3,153	-24%
Purchase	$243	$2,912	-32%
Greenport	$249	$2,992	-30%
Annandale On Hudson	$213	$2,558	-45%
Woodridge	$268	$3,221	-22%
Bolton Landing	$162	$1,947	-70%
North River	$162	$1,949	-70%
Schuylerville	$159	$1,913	-71%
Potsdam	$163	$1,955	-69%
Barton	$159	$1,910	-71%
Glenwood	$186	$2,232	-57%
Warwick	$246	$2,952	-31%
Maspeth	$416	$4,990	+21%
Fultonville	$169	$2,026	-66%
Rexford	$155	$1,859	-74%
Surprise	$197	$2,369	-52%
West Camp	$208	$2,494	-47%
Hopewell Junction	$217	$2,609	-43%
Pine Plains	$201	$2,409	-50%
Lake George	$161	$1,928	-71%
Versailles	$175	$2,097	-63%
Buchanan	$234	$2,811	-36%
Rock Hill	$253	$3,041	-28%
Saint Johnsville	$164	$1,966	-69%
Ouaquaga	$161	$1,936	-70%
Boston	$184	$2,210	-58%
Lewiston	$181	$2,176	-60%
North Collins	$180	$2,165	-60%
Great Valley	$168	$2,018	-67%
Rushford	$176	$2,109	-63%
Purdys	$235	$2,821	-35%
Woodbury	$315	$3,779	-6%
Coeymans Hollow	$183	$2,197	-59%
Acra	$202	$2,421	-50%
Cochecton Center	$254	$3,048	-28%
Mongaup Valley	$260	$3,117	-26%
Brant Lake	$162	$1,941	-70%
North Lawrence	$161	$1,937	-70%
Saranac	$157	$1,878	-73%
Nedrow	$175	$2,102	-63%
Clayville	$169	$2,023	-66%
Brasher Falls	$160	$1,924	-71%
Pyrites	$163	$1,954	-69%
Hobart	$191	$2,298	-55%
Geneva	$155	$1,861	-74%
Salamanca	$167	$2,001	-67%
Caroga Lake	$167	$2,000	-67%
Port Byron	$160	$1,920	-71%
Brantingham	$167	$2,006	-67%
Redfield	$165	$1,985	-68%
Van Hornesville	$175	$2,096	-63%
West Leyden	$168	$2,012	-67%
Wainscott	$252	$3,027	-28%
Phoenicia	$211	$2,530	-46%
Monticello	$263	$3,157	-24%
Glens Falls	$155	$1,865	-73%
Pottersville	$159	$1,914	-71%
Peru	$156	$1,872	-73%
Martville	$162	$1,950	-70%
Trout Creek	$185	$2,224	-58%
Briarcliff Manor	$234	$2,812	-36%
Garrison	$237	$2,846	-34%
Oyster Bay	$316	$3,788	-6%
Selden	$278	$3,331	-19%
Athens	$195	$2,340	-53%
Yonkers	$321	$3,847	-5%
Oakland Gardens	$418	$5,020	+22%
Bethpage	$307	$3,681	-9%
East Berne	$180	$2,159	-61%
Salt Point	$209	$2,504	-47%
Saratoga Springs	$158	$1,897	-72%
Stittville	$175	$2,095	-63%
Westdale	$170	$2,043	-65%
New Hampton	$243	$2,915	-32%
New Hyde Park	$338	$4,051	+1%
Lake Grove	$280	$3,364	-18%
East Quogue	$249	$2,982	-30%
Altamont	$164	$1,962	-69%
Earlton	$194	$2,331	-53%
Johnsburg	$164	$1,963	-69%
King Ferry	$162	$1,942	-70%
East Concord	$183	$2,202	-59%
Honeoye	$163	$1,961	-69%
Livonia	$166	$1,994	-68%
Lodi	$160	$1,919	-71%
West Haverstraw	$260	$3,126	-25%
Valhalla	$242	$2,909	-32%
Chester	$244	$2,924	-32%
Glen Oaks	$404	$4,853	+18%
Ancramdale	$196	$2,355	-52%
Hollowville	$192	$2,306	-54%
Blue Mountain Lake	$164	$1,970	-69%
Chateaugay	$160	$1,925	-71%
Cortland	$163	$1,960	-69%
Mallory	$164	$1,969	-69%
Hartwick	$184	$2,206	-59%
Little Falls	$164	$1,970	-69%
Cowlesville	$175	$2,104	-63%
Newark	$153	$1,838	-75%
South Lima	$164	$1,973	-69%
Little Valley	$172	$2,069	-64%
Alfred	$170	$2,039	-66%
Chittenango	$163	$1,961	-69%
Mount Kisco	$234	$2,809	-36%
Mount Sinai	$277	$3,324	-19%
Minetto	$164	$1,967	-69%
Union Springs	$161	$1,932	-70%
Castorland	$166	$1,991	-68%
Hammond	$162	$1,945	-70%
Maine	$161	$1,930	-70%
Norwich	$169	$2,024	-66%
Freedom	$177	$2,124	-62%
Frewsburg	$161	$1,930	-70%
Cayuta	$160	$1,919	-71%
Huletts Landing	$161	$1,927	-71%
Cassville	$171	$2,047	-65%
Conewango Valley	$171	$2,057	-65%
Belmont	$171	$2,047	-65%
Cold Spring	$237	$2,840	-35%
Jefferson	$188	$2,253	-57%
Big Indian	$210	$2,516	-46%
Fishkill	$216	$2,591	-43%
Cleverdale	$160	$1,923	-71%
Canton	$162	$1,947	-70%
La Fargeville	$156	$1,875	-73%
Ogdensburg	$162	$1,948	-70%
Bovina Center	$197	$2,362	-52%
Medina	$173	$2,080	-64%
Hamlin	$158	$1,897	-72%
Silver Lake	$167	$2,009	-67%
Campbell	$155	$1,855	-74%
Lansing	$163	$1,951	-70%
Montrose	$234	$2,812	-36%
Lynbrook	$369	$4,432	+9%
Westhampton Beach	$248	$2,982	-30%
Chatham	$189	$2,265	-56%
Esperance	$167	$2,003	-67%
Gloversville	$167	$2,003	-67%
Maplecrest	$202	$2,420	-50%
Wallkill	$224	$2,688	-40%
Kiamesha Lake	$259	$3,114	-26%
Parish	$168	$2,014	-67%
Depauville	$159	$1,906	-72%
Oxbow	$157	$1,884	-73%
Dunkirk	$163	$1,951	-70%
Hector	$162	$1,948	-70%
Goldens Bridge	$234	$2,808	-36%
Fort Montgomery	$238	$2,853	-34%
Hastings On Hudson	$253	$3,036	-28%
East Islip	$303	$3,632	-10%
Richmondville	$181	$2,174	-60%
Hudson	$191	$2,297	-55%
Cazenovia	$165	$1,976	-68%
Dryden	$163	$1,951	-70%
Fulton	$163	$1,956	-69%
Raquette Lake	$165	$1,980	-68%
Sauquoit	$168	$2,018	-67%
Three Mile Bay	$157	$1,889	-72%
Macedon	$152	$1,821	-76%
North Rose	$156	$1,874	-73%
Pine Valley	$159	$1,908	-71%
Sloatsburg	$264	$3,163	-24%
Rego Park	$430	$5,159	+25%
Bellmore	$352	$4,223	+5%
Chichester	$210	$2,516	-46%
Hurley	$211	$2,531	-46%
Mount Tremper	$210	$2,515	-46%
Rifton	$204	$2,452	-49%
Copake	$196	$2,348	-53%
Pawling	$220	$2,637	-42%
New Milford	$243	$2,916	-32%
Valley Cottage	$263	$3,158	-24%
Breezy Point	$464	$5,563	+32%
Levittown	$338	$4,054	+1%
Seaford	$333	$4,001	-1%
Orient	$249	$2,993	-30%
New Kingston	$203	$2,430	-50%
Cochecton	$248	$2,980	-30%
Long Eddy	$210	$2,521	-46%
Roscoe	$209	$2,508	-47%
Plainville	$161	$1,937	-70%
Morristown	$163	$1,952	-69%
West Oneonta	$185	$2,221	-58%
East Pembroke	$167	$2,009	-67%
Willard	$160	$1,917	-71%
Monsey	$266	$3,191	-23%
Palenville	$201	$2,406	-50%
South Fallsburg	$270	$3,244	-22%
Forestport	$171	$2,053	-65%
Elma	$174	$2,082	-64%
Seneca Castle	$156	$1,872	-73%
Ellington	$168	$2,021	-66%
Hawthorne	$234	$2,811	-36%
Mohegan Lake	$233	$2,798	-36%
Piermont	$262	$3,140	-25%
South Ozone Park	$484	$5,805	+36%
Bay Shore	$309	$3,711	-8%
Mastic Beach	$276	$3,313	-20%
Westhampton	$249	$2,983	-30%
Johnsonville	$169	$2,032	-66%
Malden On Hudson	$201	$2,411	-50%
Bethel	$268	$3,216	-22%
Fremont Center	$240	$2,876	-33%
Brainardsville	$161	$1,928	-71%
Red Creek	$158	$1,900	-72%
Franklin Springs	$175	$2,096	-63%
Greene	$167	$2,009	-67%
Barker	$177	$2,121	-62%
Point Lookout	$361	$4,338	+7%
Oakdale	$293	$3,511	-14%
Latham	$164	$1,964	-69%
Stuyvesant Falls	$186	$2,232	-57%
Harris	$256	$3,067	-27%
Pitcher	$171	$2,048	-65%
Seneca Falls	$156	$1,869	-73%
Warners	$163	$1,955	-69%
East Springfield	$185	$2,223	-58%
Poland	$170	$2,045	-65%
Stratford	$167	$2,010	-67%
Meridale	$188	$2,253	-57%
West Davenport	$185	$2,226	-58%
Fishers	$156	$1,869	-73%
Stamford	$188	$2,254	-57%
Cicero	$159	$1,907	-72%
Fort Drum	$161	$1,936	-70%
West Stockholm	$162	$1,947	-70%
Richford	$161	$1,928	-71%
Clarence	$176	$2,116	-62%
Harriman	$245	$2,943	-31%
Centerport	$296	$3,550	-13%
Marlboro	$220	$2,644	-42%
Hastings	$164	$1,974	-69%
Camden	$170	$2,046	-65%
Mc Donough	$168	$2,015	-67%
Stella Niagara	$176	$2,111	-63%
Leicester	$168	$2,014	-67%
Portville	$169	$2,032	-66%
Springfield Gardens	$477	$5,726	+35%
Burnt Hills	$161	$1,936	-70%
Fort Johnson	$168	$2,011	-67%
Waterford	$155	$1,855	-74%
Jewett	$204	$2,454	-49%
Nicholville	$162	$1,939	-70%
Bainbridge	$167	$2,010	-67%
West Henrietta	$152	$1,829	-75%
Jefferson Valley	$237	$2,842	-35%
Bullville	$260	$3,114	-26%
Shelter Island Heights	$250	$3,002	-29%
Preston Hollow	$185	$2,214	-58%
Argyle	$160	$1,917	-71%
Cossayuna	$161	$1,934	-70%
Warrensburg	$161	$1,934	-70%
Altmar	$167	$1,998	-67%
Newfane	$178	$2,133	-62%
East Williamson	$156	$1,874	-73%
Lily Dale	$162	$1,945	-70%
Eastchester	$257	$3,089	-26%
Syosset	$315	$3,782	-6%
East Hampton	$247	$2,959	-31%
Berlin	$172	$2,059	-65%
Valatie	$187	$2,239	-57%
Worcester	$182	$2,189	-59%
Tully	$161	$1,936	-70%
Tuxedo Park	$246	$2,951	-31%
Croton Falls	$236	$2,833	-35%
Haverstraw	$262	$3,142	-25%
Thompson Ridge	$241	$2,895	-33%
Malverne	$365	$4,384	+8%
Rocky Point	$279	$3,347	-19%
Yaphank	$279	$3,344	-19%
Feura Bush	$171	$2,049	-65%
Woodstock	$205	$2,458	-48%
Clinton Corners	$215	$2,582	-44%
Glenham	$214	$2,569	-44%
Burke	$161	$1,930	-71%
Lycoming	$161	$1,928	-71%
Sandy Creek	$167	$1,999	-67%
Lorraine	$160	$1,920	-71%
Hilton	$155	$1,855	-74%
Sharon Springs	$181	$2,173	-60%
Vernon	$166	$1,995	-68%
Port Jefferson	$276	$3,318	-19%
Delmar	$166	$1,995	-68%
Rhinecliff	$217	$2,607	-43%
Bloomingburg	$246	$2,948	-31%
Corinth	$158	$1,892	-72%
Rooseveltown	$162	$1,938	-70%
Sidney	$184	$2,208	-58%
Youngstown	$176	$2,117	-62%
Henrietta	$152	$1,825	-75%
Shelter Island	$248	$2,982	-30%
Piseco	$166	$1,992	-68%
Smyrna	$169	$2,033	-66%
Guilford	$169	$2,032	-66%
Java Village	$180	$2,156	-61%
Canandaigua	$157	$1,879	-73%
Ovid	$160	$1,916	-71%
Ashville	$162	$1,948	-70%
Bath	$165	$1,977	-68%
Ardsley On Hudson	$239	$2,870	-34%
Somers	$233	$2,799	-36%
Pine Island	$246	$2,955	-31%
High Falls	$213	$2,551	-45%
Castle Creek	$162	$1,947	-70%
Fredonia	$163	$1,950	-70%
Pultneyville	$163	$1,954	-69%
Sodus	$155	$1,858	-74%
Swain	$169	$2,032	-66%
Fishers Island	$274	$3,284	-20%
Summit	$184	$2,213	-58%
Round Top	$201	$2,406	-50%
Saint Regis Falls	$162	$1,939	-70%
Delphi Falls	$161	$1,937	-70%
Blossvale	$171	$2,047	-65%
Port Leyden	$168	$2,015	-67%
Taberg	$171	$2,049	-65%
Perkinsville	$168	$2,013	-67%
Schenevus	$184	$2,206	-59%
West Chazy	$156	$1,872	-73%
Deansboro	$171	$2,056	-65%
Carthage	$158	$1,893	-72%
Dobbs Ferry	$249	$2,990	-30%
Wantagh	$340	$4,084	+1%
Schoharie	$180	$2,159	-60%
Patterson	$237	$2,848	-34%
Morrisonville	$156	$1,872	-73%
Greig	$168	$2,012	-67%
Madrid	$162	$1,944	-70%
Philadelphia	$156	$1,872	-73%
Mumford	$159	$1,909	-71%
Romulus	$158	$1,892	-72%
Bemus Point	$164	$1,970	-69%
Cedarhurst	$380	$4,560	+12%
Nassau	$174	$2,092	-63%
Boiceville	$209	$2,509	-47%
Elka Park	$202	$2,422	-50%
Clifton Park	$152	$1,825	-75%
Meridian	$166	$1,993	-68%
Burlington Flats	$185	$2,222	-58%
Cape Vincent	$157	$1,889	-72%
Stafford	$162	$1,944	-70%
Hemlock	$166	$1,989	-68%
West Islip	$306	$3,673	-9%
Millerton	$211	$2,536	-46%
Staatsburg	$209	$2,505	-47%
Ellisburg	$158	$1,898	-72%
Star Lake	$163	$1,951	-70%
Hunt	$172	$2,062	-65%
Cross River	$235	$2,825	-35%
Irvington	$248	$2,981	-30%
Thiells	$262	$3,142	-25%
West Babylon	$308	$3,695	-9%
Johnstown	$166	$1,996	-68%
Claverack	$192	$2,308	-54%
Germantown	$193	$2,316	-54%
Thompsonville	$246	$2,956	-31%
Victory Mills	$161	$1,935	-70%
Clay	$158	$1,894	-72%
Erieville	$169	$2,024	-66%
Alder Creek	$172	$2,061	-65%
Oriskany	$173	$2,075	-64%
Adams	$157	$1,890	-72%
Colden	$183	$2,194	-59%
Morton	$159	$1,911	-71%
Franklinville	$175	$2,097	-63%
Pine City	$150	$1,801	-76%
Guilderland Center	$173	$2,074	-64%
Beaver Falls	$165	$1,979	-68%
New Berlin	$170	$2,041	-66%
West Eaton	$169	$2,031	-66%
Plessis	$156	$1,878	-73%
Alden	$181	$2,177	-60%
Alton	$162	$1,940	-70%
Reading Center	$163	$1,954	-69%
Palisades	$262	$3,146	-25%
Atlantic Beach	$384	$4,602	+13%
West Sayville	$291	$3,497	-14%
Amsterdam	$168	$2,013	-67%
Wawarsing	$216	$2,594	-43%
Holmes	$219	$2,632	-42%
Chazy	$156	$1,872	-73%
Fayetteville	$160	$1,918	-71%
Herkimer	$164	$1,965	-69%
Alfred Station	$170	$2,039	-66%
Breesport	$155	$1,863	-74%
Lowman	$157	$1,882	-73%
Williston Park	$334	$4,010	-1%
Huntington	$302	$3,620	-11%
Auburn	$162	$1,947	-70%
Fly Creek	$185	$2,216	-58%
Hoffmeister	$166	$1,995	-68%
Bible School Park	$162	$1,943	-70%
Kendall	$173	$2,073	-64%
Phelps	$153	$1,834	-75%
Sparkill	$262	$3,145	-25%
Howard Beach	$486	$5,834	+37%
Holbrook	$276	$3,315	-19%
Skaneateles	$161	$1,929	-71%
New Hartford	$172	$2,063	-65%
Black River	$156	$1,871	-73%
Clayton	$157	$1,885	-73%
Evans Mills	$156	$1,877	-73%
Henderson	$158	$1,898	-72%
Honeoye Falls	$158	$1,900	-72%
North Chili	$151	$1,809	-76%
Farmingville	$277	$3,320	-19%
Larchmont	$247	$2,969	-30%
Unionville	$247	$2,966	-30%
Greenlawn	$301	$3,616	-11%
Rensselaer	$168	$2,012	-67%
Rosendale	$213	$2,559	-45%
Belleville	$158	$1,898	-72%
Getzville	$180	$2,155	-61%
Van Buren Point	$164	$1,972	-69%
Rush	$155	$1,861	-74%
Bradford	$164	$1,971	-69%
Van Etten	$161	$1,935	-70%
Holland	$182	$2,185	-59%
Marilla	$179	$2,146	-61%
Shortsville	$152	$1,821	-76%
Washingtonville	$247	$2,965	-30%
North Salem	$236	$2,831	-35%
Stony Point	$262	$3,141	-25%
Campbell Hall	$248	$2,978	-30%
Highland Falls	$236	$2,834	-35%
Merrick	$354	$4,248	+5%
New Lebanon	$188	$2,260	-56%
Mellenville	$205	$2,458	-48%
Callicoon	$243	$2,912	-32%
Peterboro	$163	$1,958	-69%
Ava	$172	$2,064	-65%
West Falls	$179	$2,145	-61%
Wyoming	$176	$2,108	-63%
Wellsburg	$151	$1,807	-76%
Central Islip	$319	$3,828	-5%
Berne	$179	$2,154	-61%
Stillwater	$161	$1,934	-70%
Wynantskill	$170	$2,038	-66%
Cairo	$200	$2,397	-51%
Highmount	$208	$2,492	-47%
New Paltz	$215	$2,575	-44%
Rock Tavern	$240	$2,877	-33%
Etna	$166	$1,993	-68%
Sidney Center	$185	$2,222	-58%
Mount Morris	$168	$2,022	-66%
Pomona	$261	$3,138	-25%
Wading River	$273	$3,280	-21%
Maybrook	$248	$2,972	-30%
Phillipsport	$256	$3,073	-27%
Knoxboro	$180	$2,162	-60%
Waterville	$169	$2,031	-66%
De Peyster	$163	$1,953	-69%
Hamden	$192	$2,302	-55%
Le Roy	$163	$1,959	-69%
Quogue	$254	$3,042	-28%
Huguenot	$246	$2,946	-31%
Youngsville	$247	$2,967	-30%
Deer Park	$308	$3,700	-9%
Bangall	$215	$2,576	-44%
Forestburgh	$253	$3,039	-28%
Perry	$172	$2,061	-65%
Williamson	$155	$1,855	-74%
Rock Stream	$161	$1,937	-70%
Spring Glen	$212	$2,538	-45%
Bedford	$234	$2,809	-36%
Newtonville	$175	$2,103	-63%
Selkirk	$170	$2,036	-66%
Millbrook	$215	$2,577	-44%
Livingston Manor	$246	$2,947	-31%
Indian Lake	$164	$1,972	-69%
Camillus	$162	$1,940	-70%
Barneveld	$170	$2,045	-65%
Nelliston	$166	$1,987	-68%
Akron	$181	$2,175	-60%
Churchville	$151	$1,812	-76%
Pound Ridge	$235	$2,826	-35%
Cobleskill	$181	$2,167	-60%
Freehold	$199	$2,393	-51%
Woodbourne	$259	$3,103	-26%
Fort Edward	$154	$1,846	-74%
Canastota	$164	$1,964	-69%
Moravia	$164	$1,966	-69%
Cherry Valley	$183	$2,197	-59%
Chippewa Bay	$163	$1,956	-69%
Helena	$163	$1,953	-69%
Harpersfield	$189	$2,274	-56%
Westtown	$244	$2,924	-32%
Mill Neck	$315	$3,777	-7%
Windham	$204	$2,445	-49%
Parksville	$256	$3,068	-27%
Dannemora	$157	$1,881	-73%
Mexico	$164	$1,968	-69%
Richland	$165	$1,982	-68%
East Branch	$194	$2,328	-54%
Waterport	$175	$2,094	-63%
Spring Valley	$267	$3,203	-23%
Blue Point	$274	$3,282	-20%
Wurtsboro	$265	$3,178	-24%
Apulia Station	$162	$1,950	-70%
De Ruyter	$167	$2,002	-67%
New Lisbon	$184	$2,210	-58%
Gowanda	$178	$2,134	-62%
Springwater	$167	$2,009	-67%
Waverly	$158	$1,900	-72%
Richmond Hill	$479	$5,746	+35%
Massapequa Park	$309	$3,706	-8%
Hyde Park	$212	$2,544	-45%
Gilbertsville	$183	$2,200	-59%
Athol Springs	$180	$2,160	-60%
Orangeburg	$262	$3,141	-25%
Granite Springs	$234	$2,813	-36%
Scarsdale	$253	$3,037	-28%
Speonk	$255	$3,055	-28%
West Coxsackie	$191	$2,291	-55%
Fort Covington	$160	$1,924	-71%
Mc Connellsville	$170	$2,043	-65%
Westford	$185	$2,224	-58%
Stanley	$155	$1,859	-74%
Oakfield	$168	$2,019	-67%
Andover	$171	$2,058	-65%
Hampton Bays	$247	$2,965	-30%
Bedford Hills	$234	$2,810	-36%
Napanoch	$219	$2,631	-42%
Ellenburg Center	$158	$1,897	-72%
Rouses Point	$156	$1,871	-73%
Scio	$168	$2,020	-66%
Portlandville	$185	$2,220	-58%
Oak Hill	$195	$2,339	-53%
Lacona	$167	$2,001	-67%
Skaneateles Falls	$158	$1,901	-72%
Oxford	$167	$2,004	-67%
Mayville	$167	$2,002	-67%
Brooktondale	$163	$1,951	-70%
Suffern	$263	$3,159	-24%
Hewlett	$378	$4,541	+12%
Oceanside	$369	$4,433	+10%
Glen Head	$319	$3,832	-5%
Roosevelt	$393	$4,711	+16%
Brockport	$156	$1,878	-73%
Pittsford	$151	$1,815	-76%
Hagaman	$167	$1,999	-67%
Watervliet	$165	$1,977	-68%
Cornwallville	$203	$2,433	-49%
Kerhonkson	$215	$2,585	-44%
Milton	$220	$2,637	-42%
Ellenburg Depot	$157	$1,884	-73%
North Bangor	$161	$1,930	-71%
Salisbury Center	$169	$2,026	-66%
Alexander	$169	$2,028	-66%
Crittenden	$182	$2,181	-60%
Livonia Center	$167	$2,004	-67%
Spencerport	$151	$1,815	-76%
Brocton	$165	$1,980	-68%
Allegany	$168	$2,011	-67%
West Valley	$179	$2,142	-61%
Dansville	$167	$2,000	-67%
Marion	$153	$1,838	-75%
Allentown	$171	$2,048	-65%
Glenmont	$169	$2,028	-66%
Hampton	$161	$1,929	-71%
Riparius	$161	$1,927	-71%
Cincinnatus	$167	$2,007	-67%
Winthrop	$161	$1,937	-70%
Downsville	$194	$2,328	-54%
Painted Post	$152	$1,830	-75%
Austerlitz	$190	$2,275	-56%
Chestertown	$162	$1,946	-70%
Deer River	$165	$1,980	-68%
Blodgett Mills	$165	$1,979	-68%
Killawog	$160	$1,921	-71%
Mount Vision	$185	$2,217	-58%
Auriesville	$164	$1,970	-69%
Cuddebackville	$247	$2,967	-30%
Owls Head	$160	$1,919	-71%
South Butler	$159	$1,907	-72%
Elba	$164	$1,970	-69%
North Tonawanda	$181	$2,169	-60%
Scottsville	$152	$1,818	-76%
Savona	$165	$1,976	-68%
Silver Bay	$160	$1,925	-71%
Schuyler Lake	$181	$2,169	-60%
Brightwaters	$306	$3,675	-9%
Neversink	$246	$2,957	-31%
Tupper Lake	$160	$1,920	-71%
North Brookfield	$168	$2,017	-67%
Deferiet	$159	$1,912	-71%
Fishers Landing	$157	$1,880	-73%
Congers	$263	$3,158	-24%
Franklin Square	$367	$4,406	+9%
Lindenhurst	$308	$3,692	-9%
Hannacroix	$193	$2,321	-54%
Wells	$167	$2,000	-67%
Modena	$210	$2,518	-46%
Childwold	$163	$1,953	-69%
Weedsport	$163	$1,953	-69%
Boonville	$172	$2,065	-64%
Lyons Falls	$168	$2,014	-67%
Prospect	$171	$2,057	-65%
South Plymouth	$169	$2,031	-66%
Silver Creek	$172	$2,069	-64%
Bellona	$158	$1,894	-72%
Florida	$246	$2,950	-31%
Mineola	$337	$4,040	+0%
Carmel	$237	$2,849	-34%
Harrison	$247	$2,962	-31%
Garnerville	$262	$3,139	-25%
Babylon	$306	$3,673	-9%
Bohemia	$296	$3,557	-12%
Massapequa	$308	$3,696	-9%
Ruby	$206	$2,471	-48%
West Hurley	$212	$2,546	-45%
Craryville	$192	$2,300	-55%
Turin	$167	$2,010	-67%
Newton Falls	$162	$1,948	-70%
Wales Center	$181	$2,170	-60%
Bergen	$164	$1,964	-69%
Wolcott	$157	$1,887	-72%
Niobe	$168	$2,019	-67%
Ghent	$191	$2,293	-55%
Sprakers	$166	$1,991	-68%
Middle Falls	$161	$1,937	-70%
Preble	$164	$1,963	-69%
Westmoreland	$168	$2,015	-67%
Norwood	$162	$1,938	-70%
Wanakena	$163	$1,951	-70%
East Northport	$299	$3,586	-12%
Laurel	$249	$2,989	-30%
Spencertown	$192	$2,305	-54%
Saugerties	$200	$2,396	-51%
Paul Smiths	$160	$1,925	-71%
Little York	$164	$1,973	-69%
Wellesley Island	$156	$1,878	-73%
Heuvelton	$163	$1,954	-69%
Redwood	$157	$1,881	-73%
Franklin	$187	$2,240	-57%
Woodmere	$387	$4,646	+14%
Maryland	$184	$2,204	-59%
Cottekill	$206	$2,474	-48%
Cayuga	$160	$1,921	-71%
Henderson Harbor	$158	$1,901	-72%
Morris	$185	$2,215	-58%
Almond	$168	$2,012	-67%
Putnam Valley	$238	$2,859	-34%
Gallupville	$179	$2,146	-61%
Arkville	$202	$2,430	-50%
Olivebridge	$206	$2,475	-48%
Greenfield Center	$159	$1,910	-71%
Poplar Ridge	$163	$1,961	-69%
Bouckville	$167	$2,008	-67%
Fine	$162	$1,946	-70%
Plymouth	$169	$2,031	-66%
Tioga Center	$162	$1,948	-70%
Dalton	$170	$2,038	-66%
Bridgehampton	$252	$3,028	-28%
Lanesville	$209	$2,508	-47%
Hughsonville	$214	$2,562	-45%
Narrowsburg	$252	$3,026	-28%
Greenwich	$160	$1,919	-71%
Howes Cave	$180	$2,165	-60%
Old Chatham	$189	$2,263	-56%
Durham	$201	$2,409	-50%
West Park	$207	$2,483	-48%
Clemons	$161	$1,935	-70%
Moira	$161	$1,929	-71%
North Bay	$168	$2,014	-67%
Bloomville	$189	$2,264	-56%
Grand Gorge	$190	$2,278	-56%
Lake Luzerne	$161	$1,932	-70%
Copenhagen	$166	$1,996	-68%
Appleton	$176	$2,108	-63%
Grand Island	$176	$2,117	-62%
Sherman	$168	$2,010	-67%
Burdett	$162	$1,938	-70%
East Nassau	$175	$2,101	-63%
Galway	$158	$1,890	-72%
Rotterdam Junction	$164	$1,970	-69%
Ashland	$203	$2,441	-49%
Denver	$199	$2,389	-51%
Beacon	$218	$2,620	-42%
Dover Plains	$220	$2,637	-42%
Marietta	$164	$1,968	-69%
Cold Brook	$170	$2,040	-66%
Waddington	$162	$1,941	-70%
Arcade	$177	$2,128	-62%
East Norwich	$315	$3,775	-7%
Hauppauge	$301	$3,606	-11%
Constableville	$167	$2,006	-67%
Kirkwood	$155	$1,856	-74%
Newark Valley	$159	$1,912	-71%
Windsor	$160	$1,923	-71%
Hall	$160	$1,924	-71%
Oaks Corners	$161	$1,933	-70%
Celoron	$166	$1,991	-68%
Delancey	$192	$2,308	-54%
Willseyville	$160	$1,914	-71%
Ridge	$274	$3,288	-20%
Castleton On Hudson	$171	$2,057	-65%
Verbank	$218	$2,610	-43%
Sterling	$162	$1,941	-70%
Marcy	$174	$2,086	-64%
Remsen	$171	$2,057	-65%
Calcium	$156	$1,875	-73%
Otisville	$244	$2,928	-32%
Sugar Loaf	$250	$3,001	-29%
Shoreham	$274	$3,286	-20%
Carlisle	$181	$2,166	-60%
Mayfield	$167	$2,001	-67%
Cragsmoor	$218	$2,611	-43%
Clinton	$172	$2,065	-64%
Fishs Eddy	$183	$2,192	-59%
Johnson City	$158	$1,897	-72%
Willet	$165	$1,976	-68%
Cassadaga	$163	$1,951	-70%
Remsenburg	$257	$3,085	-27%
Upton	$271	$3,248	-22%
Greenfield Park	$215	$2,575	-44%
Pleasant Valley	$214	$2,563	-45%
Treadwell	$188	$2,252	-57%
Manorville	$258	$3,100	-26%
Coxsackie	$195	$2,335	-53%
Bearsville	$208	$2,495	-47%
Billings	$221	$2,649	-41%
Poughquag	$220	$2,639	-42%
Georgetown	$167	$2,004	-67%
Hogansburg	$160	$1,925	-71%
Delhi	$190	$2,275	-56%
Chaffee	$182	$2,182	-60%
Keeseville	$158	$1,901	-72%
Churubusco	$158	$1,898	-72%
Saranac Lake	$160	$1,916	-71%
Hermon	$161	$1,928	-71%
Davenport Center	$189	$2,264	-56%
Jamestown	$162	$1,942	-70%
Columbiaville	$187	$2,246	-57%
Mechanicville	$155	$1,866	-73%
West Kill	$207	$2,484	-47%
Hurleyville	$263	$3,152	-24%
Gabriels	$161	$1,929	-71%
Schuyler Falls	$156	$1,874	-73%
Durhamville	$167	$2,000	-67%
Madison	$168	$2,015	-67%
New York Mills	$172	$2,062	-65%
East Schodack	$172	$2,060	-65%
Round Lake	$160	$1,921	-71%
West Fulton	$182	$2,181	-60%
Constable	$160	$1,922	-71%
Fort Plain	$164	$1,973	-69%
Mahopac	$235	$2,825	-35%
Canaan	$189	$2,264	-56%
Lake Hill	$208	$2,493	-47%
Hortonville	$244	$2,926	-32%
Maple View	$163	$1,956	-69%
North Java	$180	$2,158	-61%
Sunnyside	$422	$5,069	+23%
Albertson	$333	$3,994	-1%
West Nyack	$262	$3,146	-25%
Patchogue	$277	$3,325	-19%
Lake Katrine	$210	$2,519	-46%
Smallwood	$264	$3,172	-24%
Newport	$169	$2,031	-66%
Raymondville	$161	$1,937	-70%
Darien Center	$181	$2,176	-60%
South Dayton	$174	$2,084	-64%
Clyde	$157	$1,887	-72%
Ellicottville	$171	$2,053	-65%
Houghton	$173	$2,075	-64%
Alpine	$161	$1,931	-70%
Westerlo	$182	$2,179	-60%
Eldred	$253	$3,033	-28%
Long Lake	$166	$1,986	-68%
Porter Corners	$160	$1,921	-71%
Au Sable Forks	$157	$1,886	-72%
New Woodstock	$165	$1,980	-68%
Port Crane	$159	$1,902	-72%
Calverton	$264	$3,171	-24%
Shandaken	$208	$2,499	-47%
Elizaville	$196	$2,347	-53%
Jeffersonville	$258	$3,101	-26%
Sparrow Bush	$245	$2,938	-31%
Hadley	$161	$1,929	-71%
Delevan	$176	$2,109	-63%
Southold	$249	$2,993	-30%
North Chatham	$186	$2,231	-57%
Stormville	$219	$2,629	-42%
Altona	$156	$1,874	-73%
Thendara	$169	$2,030	-66%
Colton	$163	$1,957	-69%
Natural Bridge	$157	$1,879	-73%
Berkshire	$160	$1,926	-71%
Dale	$175	$2,103	-63%
Eden	$184	$2,209	-58%
Ionia	$161	$1,933	-70%
North Greece	$152	$1,826	-75%
Dayton	$175	$2,101	-63%
Machias	$174	$2,086	-64%
Piffard	$167	$2,004	-67%
Union Hill	$157	$1,879	-73%
Olean	$167	$2,005	-67%
Mattituck	$249	$2,992	-30%
Adirondack	$159	$1,910	-71%
Rock City Falls	$161	$1,932	-70%
Locke	$160	$1,924	-71%
Mohawk	$164	$1,973	-69%
Lisbon	$163	$1,954	-69%
Woodhaven	$471	$5,648	+33%
Islip	$304	$3,645	-10%
Prattsville	$205	$2,462	-48%
Hartford	$160	$1,919	-71%
Brushton	$161	$1,927	-71%
Bernhards Bay	$166	$1,990	-68%
East Rochester	$150	$1,796	-77%
Olmstedville	$164	$1,972	-69%
Keene	$163	$1,953	-69%
Moriah	$162	$1,940	-70%
Lewis	$159	$1,908	-72%
Severance	$160	$1,918	-71%
Westport	$159	$1,912	-71%
Mineville	$159	$1,912	-71%
New Russia	$163	$1,957	-69%
Keene Valley	$163	$1,956	-69%
Witherbee	$162	$1,944	-70%
Essex	$159	$1,908	-72%
Jay	$163	$1,962	-69%
Willsboro	$159	$1,907	-72%
Bloomingdale	$161	$1,933	-70%
Paradox	$161	$1,935	-70%
Ray Brook	$160	$1,918	-71%
Upper Jay	$163	$1,959	-69%
North Hudson	$162	$1,941	-70%
Wilmington	$161	$1,931	-70%
Schroon Lake	$161	$1,931	-70%
Crown Point	$161	$1,938	-70%
Lake Placid	$161	$1,927	-71%
Elizabethtown	$161	$1,937	-70%
Minerva	$165	$1,976	-68%
Port Kent	$161	$1,938	-70%
Moriah Center	$161	$1,935	-70%
Port Henry	$159	$1,911	-71%
Newcomb	$164	$1,970	-69%
Ticonderoga	$160	$1,916	-71%

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Average car insurance costs by age and gender in New York

In New York State, the age on your driver's license is a key factor in determining the premium you'll pay for car insurance, with gender playing a more minor role in rate-setting. Teens and other drivers under age 25 pay the highest rates, especially if they're male. While some argue this practice may be discriminatory, actuarial data consistently shows a higher rate of crashes and fatalities among young men compared to other groups, which insurers use as a tool to estimate risk.

Age 40

Avg. monthly full coverage premium in NY

$333

Avg. annual full coverage premium in NY

$3,992

Age 50

Avg. monthly full coverage premium in NY

$322

Avg. annual full coverage premium in NY

$3,869

Age 60

Avg. monthly full coverage premium in NY

$317

Avg. annual full coverage premium in NY

$3,803

Age 70

Avg. monthly full coverage premium in NY

$349

Avg. annual full coverage premium in NY

$4,184


Age 16*	Avg. monthly full coverage premium in NY $648	Avg. annual full coverage premium in NY $7,775
Age 18	Avg. monthly full coverage premium in NY $825	Avg. annual full coverage premium in NY $9,901
Age 20	Avg. monthly full coverage premium in NY $654	Avg. annual full coverage premium in NY $7,851
Age 25	Avg. monthly full coverage premium in NY $403	Avg. annual full coverage premium in NY $4,838
Age 30	Avg. monthly full coverage premium in NY $349	Avg. annual full coverage premium in NY $4,190
Age 40	Avg. monthly full coverage premium in NY $333	Avg. annual full coverage premium in NY $3,992
Age 50	Avg. monthly full coverage premium in NY $322	Avg. annual full coverage premium in NY $3,869
Age 60	Avg. monthly full coverage premium in NY $317	Avg. annual full coverage premium in NY $3,803
Age 70	Avg. monthly full coverage premium in NY $349	Avg. annual full coverage premium in NY $4,184

*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 NY

$339

Avg. annual full coverage premium in NY

$4,070

Age 50

Avg. monthly full coverage premium in NY

$323

Avg. annual full coverage premium in NY

$3,872

Age 60

Avg. monthly full coverage premium in NY

$314

Avg. annual full coverage premium in NY

$3,772

Age 70

Avg. monthly full coverage premium in NY

$338

Avg. annual full coverage premium in NY

$4,058


Age 16*	Avg. monthly full coverage premium in NY $593	Avg. annual full coverage premium in NY $7,110
Age 18	Avg. monthly full coverage premium in NY $735	Avg. annual full coverage premium in NY $8,815
Age 20	Avg. monthly full coverage premium in NY $554	Avg. annual full coverage premium in NY $6,649
Age 25	Avg. monthly full coverage premium in NY $378	Avg. annual full coverage premium in NY $4,541
Age 30	Avg. monthly full coverage premium in NY $353	Avg. annual full coverage premium in NY $4,235
Age 40	Avg. monthly full coverage premium in NY $339	Avg. annual full coverage premium in NY $4,070
Age 50	Avg. monthly full coverage premium in NY $323	Avg. annual full coverage premium in NY $3,872
Age 60	Avg. monthly full coverage premium in NY $314	Avg. annual full coverage premium in NY $3,772
Age 70	Avg. monthly full coverage premium in NY $338	Avg. annual full coverage premium in NY $4,058

*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

Cost considerations for young drivers in New York

In most cases, staying on a family policy as long as possible — that is, until they move out and have a separate mailing address — is the best way for young drivers to keep their car insurance bills affordable. When the risk associated with young drivers is diffused by more experienced drivers on the policy, the risk-based rate increase is smaller.


Age 16*	Avg. annual premium for drivers in NY $7,442
Age 17	Avg. annual premium for drivers in NY $7,272
Age 18	Avg. annual premium for drivers in NY $6,864
Age 19	Avg. annual premium for drivers in NY $6,050
Age 20	Avg. annual premium for drivers in NY $5,744

*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 $9,358
Age 19	Avg. annual premium for drivers in NY $7,895
Age 20	Avg. annual premium for drivers in NY $7,250

*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?

Drivers with past incidents — including but not limited to speeding tickets, at-fault accidents and DWI convictions — typically pay higher rates for auto coverage in New York. If you're struggling to find coverage due to your record, or if you need an SR-22 certificate, you may need to seek out a carrier that specializes in high-risk auto insurance.

Car insurance rates in New York by credit

Like most states, New York permits insurers to factor an applicant's credit history into the rate they pay for auto insurance. Rather than using your credit score, insurers use a proprietary number called an insurance score based on data from credit reporting agencies, which is used as an indicator of a driver's likelihood of filing future claims.


Poor	Avg. annual premium* in New York $7,590	Percentage difference from New York avg. annual premium* 88%
Average	Avg. annual premium* in New York $4,471	Percentage difference from New York avg. annual premium* 11%
Good	Avg. annual premium* in New York $4,031	Percentage difference from New York avg. annual premium* 0%
Excellent	Avg. annual premium* in New York $3,395	Percentage difference from New York avg. annual premium* -16%

*Rates reflect full coverage policies.

New York car insurance rates by vehicle type

The make and model of your vehicle can also impact your coverage costs. Pickup and SUV owners generally pay lower rates, while high-end cars and larger vehicles may carry higher costs.

Kia Sportage

Avg. monthly premium* in NY

$319

Jeep Wrangler

Avg. monthly premium* in NY

$312

Subaru Crosstrek

Avg. monthly premium* in NY

$285

Audi A4

Avg. monthly premium* in NY

$408

Kia Soul

Avg. monthly premium* in NY

$318

Nissan Altima

Avg. monthly premium* in NY

$365

Subaru Outback

Avg. monthly premium* in NY

$286

Kia Forte

Avg. monthly premium* in NY

$344

Toyota Tacoma

Avg. monthly premium* in NY

$308

Honda Accord

Avg. monthly premium* in NY

$337

Ford Explorer

Avg. monthly premium* in NY

$343

Jeep Compass

Avg. monthly premium* in NY

$307

Dodge Durango

Avg. monthly premium* in NY

$344

Toyota 4-runner

Avg. monthly premium* in NY

$322

BMW i4

Avg. monthly premium* in NY

$469


Toyota Camry	Avg. monthly premium* in NY $336
Ford F-150	Avg. monthly premium* in NY $336
Tesla Model Y	Avg. monthly premium* in NY $463
BMW 330i	Avg. monthly premium* in NY $401
Toyota Prius	Avg. monthly premium* in NY $338
Kia Sportage	Avg. monthly premium* in NY $319
Jeep Wrangler	Avg. monthly premium* in NY $312
Subaru Crosstrek	Avg. monthly premium* in NY $285
Audi A4	Avg. monthly premium* in NY $408
Kia Soul	Avg. monthly premium* in NY $318
Nissan Altima	Avg. monthly premium* in NY $365
Subaru Outback	Avg. monthly premium* in NY $286
Kia Forte	Avg. monthly premium* in NY $344
Toyota Tacoma	Avg. monthly premium* in NY $308
Honda Accord	Avg. monthly premium* in NY $337
Ford Explorer	Avg. monthly premium* in NY $343
Jeep Compass	Avg. monthly premium* in NY $307
Dodge Durango	Avg. monthly premium* in NY $344
Toyota 4-runner	Avg. monthly premium* in NY $322
BMW i4	Avg. monthly premium* in NY $469

*Rates reflect full coverage policies.

Estimate your car insurance cost in New York

Want to see how the various rating factors in your profile work together to impact your insurance costs? Bankrate's free car insurance calculator can crunch the numbers quickly to give you a closer estimate of what you'll pay for auto insurance in New York. Keep in mind that this figure is still an estimate — each carrier employs a different proprietary algorithm to set your premium.

Learn more

Calculate your monthly car insurance payment

Use our free insurance calculator to estimate what you should be paying each month.

Frequently asked questions

No single company offers the best car insurance for every driver in New York. Depending on your budget, your risk profile and your priorities, there may be a range of carriers with a good fit for your needs. The best way to find your fit is to compare rates from multiple companies and research reviews and insights from current customers.
State minimum car insurance in New York State costs an average of $144 per month, or $1,729 per year. That's 115 percent more than the national average. New York's minimum coverage rates are so high because the state's minimum coverage requirements are robust compared to other states, and because related costs like collision repair and healthcare may be higher in New York than elsewhere.
Bankrate's analysis of the cheapest car insurance providers in New York State identified Utica National, Progressive and Preferred Mutual as three of the most affordable carriers for the average driver. However, they may not be cheapest for everyone. Remember that your premiums are based on a complex set of calculations that differs from company to company, and you may be eligible for lower rates from an insurer not listed in our analysis.
New York car insurance laws require all drivers to carry 25/50/10 liability coverage, along with 50/100 liability benefits for death. On top of liability coverage, all car insurance policies must include $50,000 of personal injury protection (PIP) first-party coverage and $25,000/$50,000 of uninsured motorist coverage. Finally, New York recently added a requirement that all policies include supplemental spousal liability coverage unless the policyholder declines this coverage in writing. While these minimum coverage requirements raise the cost of insurance in New York, driving without insurance is a serious offense that could lead to even higher costs later on.
If you have a full coverage car insurance policy in New York, Bankrate's analysis shows that you'll pay an average of $336 per month to maintain it. Drivers with only state minimum coverage pay an average of $144 per month.

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Read our full methodology

At Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our

years of industry experience

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Methodology

Bankrate utilizes Quadrant Information Services to analyze September 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 with bundling and paperless billing discounts applied:

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

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.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

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 and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (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 drivers, 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.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

R.E. Hawley

Senior writer, Insurance

Average cost of car insurance in New York for 2025

New York car insurance rates by city

Compare auto insurance rates

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

New York car insurance rates by vehicle type

Estimate your car insurance cost in New York

Calculate your monthly car insurance payment

Frequently asked questions

What is the best car insurance company in New York?

What is the average cost of minimum coverage in New York?

What is the cheapest car insurance company in New York?

How much insurance is required in New York?

How much is car insurance per month in New York?

Methodology

Rates

Other profiles

Credit-based insurance scores:

Incidents:

Mileage:

Model:

Age:

Gender:

Status: