High-density metro with elevated theft, congestion, and repair costs.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in New York was approximately $1,655/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
New York State Department of Financial Services — licenses carriers and agents in New York, reviews rate filings, and handles consumer complaints.
New York State Department of Financial Services — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
New York is a no-fault state. Personal Injury Protection (PIP) coverage is mandatory — your own PIP pays your medical costs regardless of fault.
We've ranked auto insurance carriers for 2026 against ClearValue's published methodology.
See best auto insurance companies 2026 — editorial picks