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Premiums vary widely based on the depth of protection selected: Coverage Type Avg. Monthly Cost Avg. Annual Cost $148 - $154 $1,776 - $1,851 Full Coverage $258 - $341 $3,096 - $4,092 Source: Average calculated from Bankrate and Insurify data. Mandatory NY Insurance Requirements auto insurance companies ny
New York law NY DFS requires all drivers to carry "25/50/10" liability limits plus mandatory no-fault coverage: New York Car Insurance Laws (Updated 2026) | The Zebra : Frequently ranked #1 overall for NY drivers