Driving in New York City can be challenging thanks to heavy traffic, unique driving laws, and many pedestrians and cyclists. But even if you’re a seasoned pro who’s mastered the city’s “no right on red” rule and found a hidden gem of a parking garage, you still need to protect your vehicle with the right car insurance policy in case of an accident.
To help you on your search for car insurance in New York City, we’ve gathered quote data from real Jerry customers to help you preview potential rates and see how your driving record, age and policy preferences affect your premium costs.
More: Best car insurance in New York
Cheapest minimum coverage insurance in NYC
Here are the required minimum car insurance coverages in New York:
- $10,000 for property damage per accident.
- $25,000 for bodily injury and $50,000 for harm resulting in death per accident.
- $50,000 for bodily injury and $100,000 for death of two or more people in an accident.
Uninsured and underinsured motorist bodily injury (UM/UIM) of:
- $25,000 per person per accident.
- $50,000 per accident to protect against injuries caused by uninsured or hit-and-run drivers.
Personal injury projection (PIP) of:
- $50,000 per person, regardless of fault, to cover medical expenses, lost earnings and other damages.
These are some of the cheapest car insurance quotes for minimum coverage real New York City residents received via Jerry.
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in New York
Cheapest full coverage insurance in NYC
Full coverage insurance combines the state’s minimum required liability coverage with collision and comprehensive protections. Liability car insurance covers injuries or property damage you cause to others in an accident, while collision coverage helps pay for repairs to your vehicle after an accident, regardless of fault. Comprehensive insurance protects against non-collision-related damages, such as those caused by weather, animal collisions or theft.
These are some of the cheapest quotes real Jerry customers got for full coverage in New York City.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $110 | $1,325 | 51 | 09/12/25 | Yes | 10002 | ||
| $119 | $1,428 | 30 | 09/22/25 | Yes | 10014 | ||
| $125 | $1,502 | 45 | 07/30/25 | Yes | 10027 | ||
| $140 | $1,682 | 61 | 10/06/25 | Yes | 10029 | ||
| $154 | $1,845 | 35 | 07/15/25 | Yes | 10128 | ||
| $155 | $1,861 | 52 | 07/13/25 | Yes | 10029 | ||
| $155 | $1,863 | 38 | 10/10/25 | Yes | 10031 | ||
| $161 | $1,935 | 59 | 09/23/25 | Yes | 10029 | ||
| $164 | $1,972 | 35 | 10/29/25 | Yes | 10029 | ||
| $172 | $2,068 | 41 | 06/26/25 | Yes | 10065 |
More: Best car insurance companies
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in NYC (18-29 years old)
Car insurance tends to get cheaper as you reach your late 20s, but young drivers can still find affordable rates. These are some of the cheapest quotes that Jerry customers between the ages 18 and 29 years old have received in New York City.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $92 | $1,100 | 28 | No | 07/16/25 | 10029 | ||
| $158 | $1,900 | 25 | No | 08/25/25 | 10014 | ||
| $175 | $2,100 | 26 | No | 11/05/25 | 10023 | ||
| $181 | $2,171 | 29 | Yes | 08/19/25 | 10044 | ||
| $193 | $2,310 | 21 | No | 11/24/25 | 10016 | ||
| $292 | $3,504 | 24 | Yes | 09/27/25 | 10002 | ||
| $312 | $3,740 | 24 | No | 10/08/25 | 10009 | ||
| $314 | $3,766 | 23 | Yes | 07/07/25 | 10027 | ||
| $339 | $4,072 | 26 | No | 09/15/25 | 10032 | ||
| $343 | $4,119 | 28 | Yes | 07/02/25 | 10010 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in NYC (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $47 | $570 | 45 | No | 07/30/25 | 10027 | ||
| $72 | $869 | 31 | No | 11/15/25 | 10034 | ||
| $80 | $959 | 40 | No | 07/30/25 | 10032 | ||
| $115 | $1,382 | 45 | No | 07/30/25 | 10019 | ||
| $125 | $1,504 | 41 | No | 06/21/25 | 10013 | ||
| $127 | $1,520 | 39 | No | 11/27/25 | 10039 | ||
| $150 | $1,804 | 31 | No | 11/25/25 | 10033 | ||
| $154 | $1,842 | 43 | No | 06/21/25 | 10021 | ||
| $166 | $1,990 | 45 | Yes | 10/26/25 | 10065 | ||
| $166 | $1,996 | 38 | No | 06/15/25 | 10016 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $92 | $1,100 | 78 | No | 10/24/25 | 10002 | ||
| $103 | $1,234 | 57 | Yes | 10/01/25 | 10027 | ||
| $108 | $1,290 | 74 | No | 07/14/25 | 10009 | ||
| $154 | $1,849 | 62 | Yes | 07/17/25 | 10023 | ||
| $223 | $2,680 | 59 | Yes | 09/20/25 | 10039 | ||
| $237 | $2,844 | 59 | No | 08/01/25 | 10030 | ||
| $263 | $3,150 | 56 | No | 07/20/25 | 10031 | ||
| $263 | $3,156 | 55 | No | 08/08/25 | 10025 | ||
| $285 | $3,425 | 55 | Yes | 07/04/25 | 10002 | ||
| $297 | $3,564 | 69 | No | 12/03/25 | 10024 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in NYC
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $47 | $570 | 07/30/25 | No | 10027 | ||
| $72 | $869 | 11/15/25 | No | 10034 | ||
| $80 | $959 | 07/30/25 | No | 10032 | ||
| $92 | $1,100 | 10/24/25 | No | 10002 | ||
| $103 | $1,234 | 10/01/25 | Yes | 10027 | ||
| $108 | $1,290 | 07/14/25 | No | 10009 | ||
| $115 | $1,382 | 07/30/25 | No | 10019 | ||
| $117 | $1,408 | 11/05/25 | No | 10023 | ||
| $125 | $1,504 | 06/21/25 | No | 10013 | ||
| $127 | $1,520 | 11/27/25 | No | 10039 |
Cheapest car insurance for drivers with low credit scores in NYC
A credit score below 550 will likely lead to higher car insurance costs, but it still may be possible to find a good rate. Here are the lowest quotes Jerry customers in New York City with low credit scores have received.
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $315 | $3,780 | 55 | 05/10/25 | 10025 | ||
| <550 | $330 | $3,960 | 46 | 07/11/25 | 10029 | ||
| <550 | $407 | $4,882 | 37 | 12/03/25 | 10025 | ||
| <550 | $449 | $5,392 | 38 | 05/02/25 | 10009 | ||
| <550 | $473 | $5,676 | 46 | 01/04/25 | 10009 | ||
| <550 | $495 | $5,940 | 27 | 07/16/25 | 10705 | ||
| <550 | $511 | $6,130 | 29 | 06/30/25 | 10019 | ||
| <550 | $514 | $6,172 | 50 | 08/06/25 | 10034 | ||
| <550 | $536 | $6,428 | 57 | 09/30/25 | 10009 | ||
| <550 | $538 | $6,456 | 55 | 08/14/25 | 10029 |
Cheapest car insurance for drivers with at-fault accidents in NYC
An at-fault accident can cause your car insurance costs to rise. Here are some of the cheapest rates New York City drivers have received after an at-fault accident.
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $140 | $1,678 | 39 | No | 11/09/25 | 10017 | ||
| At Fault With No Injury | $211 | $2,530 | 58 | No | 02/06/25 | 10034 | ||
| At Fault With No Injury | $215 | $2,582 | 37 | No | 05/03/25 | 10025 | ||
| At Fault With No Injury | $267 | $3,201 | 42 | Yes | 11/30/25 | 10002 | ||
| At Fault With No Injury | $276 | $3,310 | 30 | No | 10/04/25 | 10002 | ||
| $495 | $5,940 | 27 | No | 07/16/25 | 10705 | |||
| $511 | $6,130 | 29 | No | 06/30/25 | 10019 | |||
| $514 | $6,172 | 50 | No | 08/06/25 | 10034 | |||
| $536 | $6,428 | 57 | No | 09/30/25 | 10009 | |||
| $538 | $6,456 | 55 | No | 08/14/25 | 10029 |
Cheapest car insurance for drivers with speeding tickets in NYC
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $56 | $668 | 51 | 11/08/25 | 10009 | ||
| Speeding over 15 | $346 | $4,146 | 27 | 08/01/25 | 10002 | ||
| Speeding over 15 | $497 | $5,962 | 32 | 06/20/25 | 10031 | ||
| Speeding under 15 | $520 | $6,240 | 62 | 11/09/25 | 10007 | ||
| Speeding under 15 | $552 | $6,622 | 55 | 10/28/25 | 10280 | ||
| $495 | $5,940 | 27 | 07/14/25 | 10705 | |||
| $511 | $6,130 | 29 | 07/30/25 | 10019 | |||
| $514 | $6,172 | 50 | 11/05/25 | 10034 | |||
| $536 | $6,428 | 57 | 06/21/25 | 10009 | |||
| $538 | $6,456 | 55 | 11/27/25 | 10029 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
