Protects you if you're hit by a driver who doesn't have insurance. Average Costs and Saving Tips
This covers medical bills and lost wages for you and your passengers regardless of who caused the accident. new york auto insurance
If you prefer personalized service, several highly-rated agencies operate within the city: Erik Chiprich - State Farm Insurance Agent Insurance agency ClosedNew York, NY Kelly Qu Agency: Allstate Insurance Insurance agency ClosedNew York, NY Virginia Chan - State Farm Insurance Agent Insurance agency ClosedNew York, NY liability-only costs for specific New York ZIP codes? Protects you if you're hit by a driver
Drivers with a clean history pay an average of $154 per month for liability, while those with recent incidents may see rates jump to $193 or more. Local Agents in Manhattan Drivers with a clean history pay an average
Minimums of $25,000 per person and $50,000 per accident .
Major providers like Progressive often offer some of the most competitive rates for both minimum and full coverage in the state.
As of early 2026, the average cost for "full" coverage in New York is approximately , though rates in boroughs like Staten Island can be significantly higher.