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Why Compare Car Insurance Rates in New York:

  • On average, people who compare rates save about $970 a year on car insurance
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  • We don’t sell your information to spammers.

New York offers numerous interesting, world-renowned places, whether you're commuting to the Big Apple, escaping to calm Saratoga Springs, or road traveling to the Catskills. But, before you go out again, remember that Way.com can provide trustworthy car insurance quotes for you and your car wherever in New York.

Before you get a quote, look at our auto coverage page to see which types of coverage are best for you.

Minimum Required Auto Insurance Coverage in New York

While New York law mandates only a minimum amount of liability auto insurance, car insurance companies in New York recommend that you pay up to $100,000 in injury liability per person and $300,000 per accident.

If you are looking into New York insurance for your car, remember that New York is a no-fault auto insurance state. This means that even if the other person is at fault, your Personal Injury Protection (PIP) insurance will pay your benefits up to the policy limits.

Medical bills, lost wages, death benefits, and certain incidental expenditures originating from a traffic collision are covered by no-fault auto insurance in New York.

The following are the minimum auto insurance requirements for New York state insurance:

Coverage Type Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $25,000 ($50,000 for injuries resulting in death)
Bodily Injury Liability Coverage (per accident) $50,000 ($100,000 for injuries resulting in death)
Property Damage Liability $10,000
Uninsured Motorist $25,000 bodily injury per person$50,000 bodily injury per accident
Personal Injury Protection $50,000

Cheapest Car Insurance in New York for Minimum Required Coverage

If you're looking for cheap car insurance in NY, it's worth shopping around. Getting various NYC quotes for your car insurance will help you get the most affordable option. The best car insurance in NY may not be the right one for you. Rates for the same coverage can differ significantly from company to company, which means you can risk a great deal by paying for the first quote you receive.

Progressive is the most affordable car insurance NY city has to offer. Progressive is a low-cost car insurance NYC citizens can afford with minimum liability. Progressive premiums cost 27% less than the national average.

If you are an active military member or a veteran, you would be eligible for insurance with the cheapest overall option: USAA. USAA spends about $300 less a year than Progressive and 48% less than the average cost of minimum coverage in New York.

The below table shows the cheapest insurance in NY.

CAR INSURANCE COMPANIES AVERAGE ANNUAL RATE
Progressive $636
Erie $743
Allstate $1,398
State Farm $1,718
Statewide Average $1,836
NYCM Insurance $2,622
American Family Insurance $3,944

Do I Need More Than the Minimum Required State Coverage in New York?

Even though New York requires more forms of insurance than many other states, the limits are still very low. The $25000 limit might swiftly be exhausted if you gravely harm someone in an at-fault accident.

Furthermore, because $10000 in property damage is less than half the cost of a new car, you may be personally liable for the remaining losses.

It is strongly advised that you increase your insurance limits. Most insurance companies will enable you to do so for a little premium increase. Liability coverage levels of at least 50/100/50 are advised, though you should consider going even higher if you have assets such as a home. There are also many coverage kinds to select to give additional security for yourself and your car.

New York Car Insurance Laws

To drive legally in New York State, drivers must obtain car insurance and follow insurance requirements. Although the insurance limits in New York are higher than in many other states, the minimum requirements may not be sufficient to protect you effectively.

Because New York is a no-fault state, drivers must have personal injury protection (PIP) coverage in addition to liability insurance. The state also requires uninsured motorist coverage. The following is a complete list of New York auto insurance requirements:

  • $10,000 for property damage for a single accident
  • $25,000 for bodily injury for a single person in an accident
  • $50,000 for bodily injury per accident (if more than one person is injured)
  • $50,000 for personal injury protection (PIP)
  • $25,000 per person/$50,000 per accident for uninsured motorist bodily injury

Please remember that these are the bare minimums that your insurance coverage must meet. On the other hand, additional coverage can be purchased for more security.

Your auto insurance provides you with what is known as Proof of Financial Responsibility under the law. Your insurance card indicates to others that you are financially capable of covering damages or injuries sustained in an accident. When you present it after an accident, you demonstrate that you are capable of bearing the costs associated with the accident.

There is also a lesser-known option called an Alternative Proof of Financial Responsibility, accessible in some states. This option allows you to meet the state's criteria differently and receive a certificate instead of your insurance ID card.

The following are the three alternatives available to you:

  • Depositing $150,000 with the DMV as security can be used to settle any claims brought against you after an accident. The DMV requires you to file a surety bond, which means a surety firm settles claims and then collects the money from you.
  • Self-insurance is only available to those who own more than 25 cars and apply to become self-insured.
  • However, the New York DMV states that insurance is required. You'll need to contact your local DMV to see if you're eligible for Alternative Proof of Financial Responsibility.

See what you could save on auto insurance

New York car insurance requirements

Nobody likes paying their auto insurance bills. However, in a state like New York, where the roads are frequently congested, and the weather is unpredictable, paying for insurance is a prudent investment. It's also a legal necessity, with penalties for drivers in New York who don't have the bare minimum of coverage.

To register your car in New York, you must have liability insurance issued by the state of New York. Failure to do so could result in the suspension of your vehicle's registration as well as your New York driver's license.

For minimum requirement, refer section: ‘Minimum Required Auto Insurance Coverage in New York’ .

Even if you aren't driving the car, you must maintain this coverage during active registration. A car registered in New York must have New York State coverage. In addition, your insurance must be provided and maintained in the name of the vehicle registrant.

In New York, your car insurance coverage is divided into various sections. Liability coverage, at its most basic level, compensates for damages to the other car as well as medical and other costs if you hit someone and are at fault.

Your New York auto policy will also include statutory uninsured motorist bodily injury coverage to assist cover your injuries and the injuries of your passengers if someone hits your car without insurance.

PIP insurance in New York

Some states, such as New York, require PIP coverage in addition to liability and uninsured motorist coverage. Regardless of who was at fault in the accident, PIP normally covers medical expenses, missed earnings, and vital services for you and your passengers.

Suppose you have PIP coverage on your New York automobile insurance policy and are injured in an auto accident, regardless of responsibility. In that case, PIP coverage will pay your medical bills up to the policy's limit. Your PIP coverage kicks in first because New York is a no-fault state.

However, "no-fault" insurance does not rule out the possibility of determining fault in a car accident. While your PIP policy pays first, if the other driver caused the accident, their liability coverage should cover your medical fees once blame has been established.

How does PIP insurance in New York work?

It aids in reimbursing medical expenses and lost wages incurred as a result of an accident. It assists with the payment of essential services if you cannot execute home tasks due to an auto accident injury.

In New York, the minimum amount of PIP coverage is $50,000, but you can add Additional PIP and Optional Basic Economic Loss (OBEL) coverage. Additional PIP increases your PIP coverage by $50,000, and OBEL adds another $25,000 to your basic $50,000 coverage to cope with situations like lost wages

In New York, personal injury protection (PIP) insurance is required by law as part of your motor insurance coverage. Almost every state in the United States requires motorists to carry a particular level of minimum auto insurance, including liability coverage, to drive legally.

When you apply for auto insurance, your insurer will provide you with a quote that estimates the premium cost. These quotations contain information about your car, such as its age, make, and model, as well as personal information, such as your age, credit score, and marital status.

PIP coverage will be factored into the premium calculation, but the cost will vary depending on those and other factors. By checking at your policy's declarations page, which includes facts about your insurance, you should be able to figure out exactly how much you're paying for PIP.

Auto Insurance Coverage Types

There are various options for coverage you can incorporate in addition to the required liability, PIP, and uninsured motorist coverage in New York to be better protected. The insurance cost varies based on the insurer, your car's specifics, and even your driving abilities.

  • Collision insurance: This extra coverage helps pay for damages to your automobile that occur due to a collision with another vehicle or a stationary object. The only form of accident that isn't covered is if you collide with an animal covered under comprehensive coverage.
  • Comprehensive insurance:Comprehensive insurance, frequently obtained in conjunction with collision insurance, covers all non-accident-related calamities, such as a tree falling on your car in a windstorm or auto theft or vandalism. In the state of New York, it is not required. Comprehensive and collision coverages are recommended if your car is recent or a high-end model, and it may not be as crucial for older autos with a lower value.
  • Medical payments: Medpay coverage, which is optional in New York, will supplement your other coverages, such as PIP, and pay for medical expenses incurred due to an accident. Hospital stays, surgery, ambulance charges, and other medical expenses are examples.
  • Gap coverage: If you have a car loan and it is stolen or totaled, this option will assist you in repaying the payment. Your collision or comprehensive insurance will cover the car's depreciated worth first. However, if your loan is bigger, gap coverage will cover the difference, leaving you with no out-of-pocket expenses other than a deductible.
  • New car replacement: If your car is totaled or stolen and is two years old or less (or one year old or less for some insurers), new car replacement ensures that you will have enough money to buy a new car with the same worth as your old one.
  • Roadside assistance:Similar to a AAA or other roadside assistance membership, this will cover the cost of repairs or towing if your automobile breaks down on the road, runs out of gas, or has a flat tire. You can utilize it if you need a jump start or are locked out of your car.
  • Ride share:If you drive for a ridesharing firm like Uber or Lyft, you'll want to be sure you have this coverage. Your car insurance policy usually does not cover your car is used for business, so you'll need this extra coverage to be safe while driving for hire.

Proof of Auto Insurance in New York

Simply put, proof of insurance is a document that proves you have the minimum amount of auto insurance coverage required to drive legally in your state. State-by-state liability insurance regulations vary, although auto insurance is required in every state.

In New York, drivers are required to have a minimal minimum amount of liability coverage to cover bodily injury or property damage caused by a car accident for which they are held responsible. This proof of coverage merely informs authorities that you have the necessary auto insurance to drive legally in your state.

Proof of insurance is one of the first documents a law enforcement officer would ask to see in the case of a car accident or traffic violation.

To be legal behind the wheel in New York, drivers must have car insurance. While driving, proof of insurance must also be carried at all times.

Cost of Auto Insurance Companies in New York

The annual driver's insurance premium depends on various primary factors, such as age, car model, and driving background. All this information varies from driver to driver, as do the prices. Way.com has ranked insurance providers with the most competitive average rates to help you find the best annual insurance rates available in New York. But to make sure you get the best offer, you can get various car insurance quotes in New York from a variety of firms.

Insurers base their premiums on a variety of factors. Rates can differ considerably depending on your risk profile. Take a look at the total annual cost of auto insurance for regular drivers and drivers with varying risk factors.

  • Low credit score: $7341
  • DUI: $5991
  • Students: $5961
  • Speeding tickets: $4296
  • Seniors: $3969
  • Average Driver: $3441

Cheapest car insurance for New York drivers

The average cost of a full auto insurance policy in New York is $2777 a year, or $231 a month, but drivers could find better rates by comparing car insurance providers. For cheap full-cover insurance in New York, Progressive is the most affordable choice for most people. Progressive prices are 15% less expensive than average for our sample driver.

However, drivers who apply for U.S.A. coverage will potentially get much cheaper content than what is provided by Progressive. Car insurance plans with maximum coverage provide liability insurance as well as comprehensive and collision coverage. This ensures that you are liable for damage caused by an accident where you are at fault. Collision compensation provides for injury to your car.

Car insurance companies Insurance premium
Progressive $2361
State Farm $2550
NYCM $3279
Travelers $3537
Allstate $3726

Cheap car insurance in New York for young New York drivers

Progressive offers the best rates for young drivers looking for the cheapest auto insurance in New York, with rates as low as $2434 per year.

In New York, the average annual cost of basic coverage car insurance for 18-year-old drivers is $3303, or $303 per month.

Car Insurance Company 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $3,900 $4,183
American Family Insurance $12,379 $14,818
NYCM Insurance $6,276 $7,300
Progressive $2,434 $2,727
State Farm $4,938 $6,239
USAA $4,969 $5,861
Statewide Average $5,407 $6,578

Cheap car insurance for New York drivers with a speeding ticket

Progressive offers the cheapest full coverage auto insurance in New York to drivers who have been fined for speeding. Progressive's rates are less expensive per year than the national average for customers who have received a speeding ticket.

A speeding ticket can raise your insurance rates by half as much as an accident. A ticket raises rates by 15% on average, and an at-fault collision raises rates by 38%.

CAR INSURANCE COMPANY AVERAGE ANNUAL RATE
Progressive $694
USAA $1,350
Allstate $1,773
State Farm $2,018
Statewide Average $2,045
NYCM Insurance $2,737
American Family Insurance $4,140
Travelers $4,385

Cheap auto insurance for New York drivers after a car accident

New York drivers who have recently been in an accident should choose Progressive for the best rates. Progressive's full coverage auto insurance after a collision is 27% less expensive than New York's average cost of coverage after an accident, which is $2916 per year.

USAA is the only other car insurance company less expensive than the average for most people. Every other readily available insurer offered annual rates above $1600

CAR INSURANCE COMPANY AVERAGE ANNUAL RATE
Progressive $676
USAA $1,350
Allstate $1,475
State Farm $1,839
Statewide Average $1,974
NYCM Insurance $2,737
Erie $2,705
Travellers $3627
American Family Insurance $4,140

Cheap car insurance for New York drivers with a DUI

After a DUI, we found the best rates in New York at Progressive, where the average annual cost is only $708. That's about two-thirds less than the national average. DUIs can result in average premiums 88% more than what full coverage car insurance in New York generally costs.

CAR INSURANCE COMPANY AVERAGE ANNUAL RATE
Progressive $708
USAA $1,762
Allstate $2,000
State Farm $2,018
Erie $2727
Statewide Average $2,824
NYCM Insurance $3,637
Travelers $3555
American Family Insurance $5,716

Cheap car insurance for married New York drivers

Progressive provides the lowest prices for full coverage on average for married drivers in New York. Its average annual rate of $1061 is $750 less than the second-cheapest choice.

Married drivers can save a modest amount on their vehicle insurance costs compared to single or unmarried drivers: $39 per year on average in New York compared to unmarried drivers.

Car Insurance Company Annual Premium
Progressive $1,061
State Farm $1,841
Travelers $2,837
Allstate $3,185
USAA $1,289

Cheap full coverage car insurance quotes for young drivers with an accident history

Progressive offers the best rates for young drivers looking for the cheapest auto insurance in New York, with premiums as low as $2373 per year for minimal coverage. Progressive provides the most affordable full coverage rates for young drivers at $4053 per year.

In New York, the average annual cost of basic coverage vehicle insurance for 18-year-old drivers is $5622, or $469 per month.

Car insurance company Annual rates
Progressive $4053
State Farm $5877
Travelers $7335
Allstate $8346
USAA $5580

Cheap auto insurance in New York with bad credit

Company Avg. Annual Premium
Erie $3,399
Travelers $3,681
USAA $3,817
Allstate $4,418
State Farm $5,431
Progressive $10,596

New York auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $2,181 1% $1
One Med/PIP claim $2,181 1% $1
One comp claim $2,204 2% $33
Two Med/PIP claims $2,218 3% $47
Not-at-fault accident $2,231 3% $60
Two comp claims $2,232 3% $60
Failure to show documents $2,250 4% $79
Failure to wear a seat belt $2,258 5% $87
Driving without lights $2,280 6% $109
Child safety restraint $2,280 6% $109
Driving with expired registration $2,286 6% $115
At-fault accident - less than $1000 $2,318 7% $147
Wrong way/wrong lane $2,319 7% $147
Failure to stop at a red light $2,319 7% $147
Following too closely $2,319 7% $147
Texting while driving $2,319 7% $147
Failure to yield $2,319 7% $147
Cell phone violation $2,319 7% $147
Illegal turn $2,319 7% $148
Improper passing $2,319 7% $148
Passing school bus $2,326 8% $155
Driving too slowly $2,350 9% $179
At-fault accident - $1000-$2000 $2,353 9% $172
Speeding in school zone $2,365 9% $194
Speeding 6 - 10 MPH over limit $2,402 11% $231
Speeding 11 - 15 MPH over limit $2,402 11% $231
Operating a vehicle without permission $2,496 15% $324
Open container $2,523 17% $352
In 65 MPH zone $2,545 18% $373
Speeding 16 - 20 MPH over limit $2,628 22% $456
Speeding 21 - 25 MPH over limit $2,706 25% $535
At-fault accident - greater than $2000 $2,959 37% $788
Reckless driving $3,168 46% $996
Racing $3,188 47% $1,016
Driving with a suspended license $3,354 55% $1,183
Leaving scene of an accident/hit and run $3,521 63% $1,349
Refusal to submit to a chemical test $3,524 63% $1,352
DUI $3,545 64% $1,374

Car insurance price trends in New York

Year Avg, Annual Premium — New York Yearly change — New York Avg. Annual Premium — U.S. Yearly change — U.S,
2021 $1,610 -$83 $1,539 $56
2020 $1,703 -$45 $1,493 -$51
2019 $1,758 $1 $1,554 $33
2018 $1,759 $41 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,662 -$313 $1,378 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

What Is a Good Driver Discount Policy?

People who haven't had any claims or violations in the last 3-5 years are eligible for a good driver discount. Depending on the company, the amount of time they look back varies. Good driver discount was created to recognize and reward excellent drivers. The insurance sector isn't recognized for tailoring policies and discounts for individual customers.

However, one method is to take advantage of the good driver discount.

One way to get around this is to use the good driver discount, and it acknowledges and rewards individuals who drive safely. One of the most significant reductions offered by insurance providers is the excellent driver discount. The discount can be anywhere between 15% and 20%, which could be considerably higher in some companies.

If you already have a good driver discount and are involved in an accident, your insurance provider will not be able to remove it immediately. They'll have to wait till your coverage is renewed again. Companies cannot alter interest rates in the middle of a policy term.

The average cost of car insurance rates in top Cities

CityAverage Annual Cost
Accord$2,033
Acra$1,877
Adams$1,529
Adams Basin$1,505
Adams Center$1,493
Addison$1,553
Adirondack$1,541
Afton$1,625
Airmont$2,657
Akron$1,817
Albany$1,673
Albertson$3,149
Albion$1,661
Alcove$1,745
Alden$1,793
Alder Creek$1,625
Alexander$1,613
Alexandria Bay$1,481
Alfred$1,565
Alfred Station$1,565
Allegany$1,529
Allentown$1,553
Alma$1,553
Almond$1,529
Alpine$1,565
Alplaus$1,601
Altamont$1,661
Altmar$1,565
Alton$1,565
Altona$1,469
Amagansett$2,261
Amawalk$2,309
Amenia$2,081
Amityville$3,017
Amsterdam$1,577
Ancram$1,853
Ancramdale$1,865
Andes$1,841
Andover$1,577
Angelica$1,601
Angola$1,757
Angola on the Lake$1,757
Annandale On Hudson$2,009
Antwerp$1,529
Apalachin$1,517
Appleton$1,721
Apulia Station$1,553
Aquebogue$2,213
Arcade$1,685
Arden$2,537
Ardsley$2,417
Ardsley On Hudson$2,393
Argyle$1,553
Arkport$1,529
Arkville$1,901
Arlington$2,105
Armonk$2,321
Arverne$4,373
Asharoken$2,789
Ashland$1,949
Ashville$1,565
Astoria$3,605
Athens$1,853
Athol$1,565
Athol Springs$1,781
Atlanta$1,565
Atlantic Beach$3,725
Attica$1,673
Au Sable Forks$1,505
Auburn$1,565
Auriesville$1,661
Aurora$1,589
Austerlitz$1,769
Ava$1,637
Averill Park$1,637
Avoca$1,529
Avon$1,553
Babylon$3,005
Bainbridge$1,625
Baiting Hollow$2,429
Bakers Mills$1,553
Baldwin$3,545
Baldwin Harbor$3,545
Baldwin Place$2,321
Baldwinsville$1,553
Ballston Lake$1,541
Ballston Spa$1,553
Balmville$2,321
Bangall$2,021
Bardonia$2,609
Barker$1,721
Barneveld$1,637
Barnum Island$3,473
Barrytown$2,021
Barryville$2,321
Barton$1,517
Basom$1,769
Batavia$1,577
Bath$1,529
Baxter Estates$3,125
Bay Park$3,449
Bay Shore$3,113
Bayport$2,705
Bayside$3,833
Bayville$2,957
Baywood$3,113
Beacon$2,129
Bear Mountain$2,645
Bearsville$1,973
Beaver Dam Lake$2,309
Beaver Dams$1,541
Beaver Falls$1,541
Bedford$2,333
Bedford Hills$2,333
Belfast$1,625
Belle Terre$2,729
Bellerose$3,605
Bellerose Terrace$3,665
Belleville$1,541
Bellmore$3,185
Bellona$1,529
Bellport$2,681
Bellvale$2,573
Belmont$1,565
Bemus Point$1,577
Bergen$1,553
Berkshire$1,553
Berlin$1,637
Berne$1,697
Bernhards Bay$1,577
Bethel$2,357
Bethpage$2,933
Bible School Park$1,565
Big Flats$1,433
Big Indian$1,985
Billings$2,141
Billington Heights$1,757
Binghamton$1,553
Binghamton University$1,541
Black Creek$1,637
Black River$1,493
Blasdell$1,853
Blauvelt$2,573
Bliss$1,685
Blodgett Mills$1,577
Bloomfield$1,541
Bloomingburg$2,429
Bloomingdale$1,529
Bloomington$1,997
Bloomville$1,769
Blossvale$1,625
Blue Mountain Lake$1,577
Blue Point$2,645
Bohemia$2,801
Boiceville$1,997
Bolivar$1,553
Bolton Landing$1,565
Bombay$1,517
Boonville$1,625
Boston$1,781
Bouckville$1,625
Bovina Center$1,853
Bowmansville$1,793
Bradford$1,565
Brainard$1,685
Brainardsville$1,517
Branchport$1,565
Brant Lake$1,565
Brantingham$1,577
Brasher Falls$1,517
Breesport$1,493
Breezy Point$4,373
Brentwood$3,245
Brewerton$1,541
Brewster$2,309
Brewster Hill$2,309
Briarcliff Manor$2,309
Bridgehampton$2,261
Bridgeport$1,565
Brier Hill$1,565
Brighton$1,505
Brightwaters$2,993
Brinckerhoff$2,093
Broadalbin$1,577
Brockport$1,529
Brocton$1,589
Bronxville$2,585
Brookfield$1,637
Brookhaven$2,681
Brooklyn$4,217
Brooktondale$1,589
Brookville$3,101
Brushton$1,529
Buchanan$2,309
Buffalo$2,165
Bullville$2,489
Burdett$1,577
Burke$1,505
Burlingham$2,513
Burlington Flats$1,709
Burnt Hills$1,565
Burt$1,745
Buskirk$1,625
Busti$1,565
Byron$1,541
Cadyville$1,445
Cairo$1,889
Calcium$1,505
Caledonia$1,553
Callicoon$2,237
Callicoon Center$2,177
Calverton$2,369
Cambria Heights$4,517
Cambridge$1,589
Camden$1,625
Cameron$1,565
Cameron Mills$1,577
Camillus$1,601
Campbell$1,481
Campbell Hall$2,429
Canaan$1,769
Canajoharie$1,577
Canandaigua$1,505
Canaseraga$1,553
Canastota$1,577
Candor$1,529
Caneadea$1,625
Canisteo$1,577
Canton$1,541
Cape Vincent$1,505
Carle Place$3,125
Carlisle$1,649
Carmel$2,261
Carmel Hamlet$2,261
Caroga Lake$1,565
Carthage$1,529
Cassadaga$1,553
Cassville$1,649
Castile$1,649
Castle Creek$1,565
Castle Point$2,105
Castleton-on-Hudson$1,601
Castorland$1,565
Cato$1,589
Catskill$1,889
Cattaraugus$1,649
Cayuga$1,541
Cayuga Heights$1,589
Cayuta$1,541
Cazenovia$1,601
Cedarhurst$3,725
Celoron$1,565
Center Moriches$2,549
Centereach$2,717
Centerport$2,897
Central Bridge$1,649
Central Islip$3,233
Central Square$1,529
Central Valley$2,345
Centre Island$2,981
Ceres$1,565
Chadwicks$1,673
Chaffee$1,769
Champlain$1,469
Chappaqua$2,309
Charlotteville$1,673
Chase Mills$1,493
Chateaugay$1,505
Chatham$1,757
Chaumont$1,493
Chautauqua$1,625
Chazy$1,469
Cheektowaga$1,985
Chelsea$2,105
Chemung$1,565
Chenango Bridge$1,541
Chenango Forks$1,565
Cherry Creek$1,625
Cherry Plain$1,637
Cherry Valley$1,673
Chester$2,357
Chestertown$1,565
Chestnut Ridge$2,669
Chichester$2,009
Childwold$1,553
Chippewa Bay$1,517
Chittenango$1,577
Churchville$1,505
Churubusco$1,493
Cicero$1,565
Cincinnatus$1,601
Circleville$2,417
Clarence$1,805
Clarence Center$1,781
Clark Mills$1,673
Clarkson$1,529
Clarksville$1,637
Claryville$2,201
Claverack$1,805
Clay$1,541
Clayton$1,493
Clayville$1,637
Clemons$1,565
Cleveland$1,565
Cleverdale$1,529
Clifton Park$1,517
Clifton Springs$1,493
Climax$1,829
Clinton$1,661
Clinton Corners$2,057
Clintondale$2,105
Clockville$1,601
Clyde$1,541
Clymer$1,637
Cobleskill$1,649
Cochecton$2,285
Cochecton Center$2,297
Coeymans Hollow$1,709
Cohocton$1,565
Cohoes$1,589
Cold Brook$1,601
Cold Spring$2,309
Cold Spring Harbor$2,981
Colden$1,781
College Point$3,821
Colliersville$1,673
Collins$1,709
Collins Center$1,769
Colonie$1,637
Colton$1,541
Columbiaville$1,793
Commack$2,813
Comstock$1,565
Conesus$1,625
Conewango Valley$1,625
Congers$2,597
Conklin$1,541
Connelly$1,985
Constable$1,541
Constableville$1,589
Constantia$1,553
Coopers Plains$1,445
Cooperstown$1,685
Copake$1,865
Copake Falls$1,829
Copenhagen$1,553
Copiague$3,029
Coram$2,729
Corbettsville$1,565
Corfu$1,709
Corinth$1,505
Corning$1,433
Cornwall$2,309
Cornwall-on-Hudson$2,297
Cornwallville$1,853
Corona$4,085
Cortland$1,553
Cortland West$1,553
Cortlandt Manor$2,309
Cossayuna$1,577
Cottekill$1,997
Country Knolls$1,529
Cowlesville$1,709
Coxsackie$1,829
Cragsmoor$2,249
Cranberry Lake$1,541
Craryville$1,817
Crittenden$1,781
Croghan$1,541
Crompond$2,297
Cropseyville$1,637
Cross River$2,333
Croton Falls$2,345
Croton-on-Hudson$2,321
Crown Heights$2,129
Crown Point$1,553
Crugers$2,309
Cuba$1,577
Cuddebackville$2,321
Cumberland Head$1,433
Cutchogue$2,213
Dale$1,661
Dalton$1,589
Dannemora$1,469
Dansville$1,565
Darien Center$1,733
Davenport$1,769
Davenport Center$1,781
Dayton$1,661
De Kalb Junction$1,541
De Peyster$1,553
De Ruyter$1,625
Deansboro$1,637
Deer Park$3,077
Deer River$1,517
Deferiet$1,517
Delancey$1,805
Delanson$1,649
Delevan$1,661
Delhi$1,709
Delmar$1,613
Delphi Falls$1,589
Denver$1,829
Depauville$1,505
Depew$1,817
Deposit$1,613
Derby$1,805
Dewittville$1,601
Dexter$1,493
Diamond Point$1,529
Dickinson Center$1,529
Dix Hills$3,005
Dobbs Ferry$2,429
Dolgeville$1,553
Dormansville$1,733
Dover Plains$2,201
Downsville$1,793
Dresden$1,553
Dryden$1,565
Duane Lake$1,649
Duanesburg$1,649
Dundee$1,553
Dunkirk$1,565
Durham$1,853
Durhamville$1,613
Eagle Bay$1,577
Eagle Bridge$1,601
Earlton$1,829
Earlville$1,613
East Amherst$1,805
East Atlantic Beach$3,617
East Aurora$1,757
East Berne$1,721
East Bethany$1,577
East Branch$1,745
East Chatham$1,769
East Concord$1,781
East Durham$1,853
East Elmhurst$3,905
East Farmingdale$2,885
East Garden City$3,773
East Glenville$1,601
East Greenbush$1,637
East Hampton$2,225
East Hampton North$2,225
East Hills$3,197
East Homer$1,601
East Islip$2,885
East Ithaca$1,589
East Jewett$1,925
East Marion$2,225
East Massapequa$2,897
East Meadow$3,197
East Meredith$1,745
East Moriches$2,321
East Nassau$1,673
East Northport$2,801
East Norwich$2,981
East Otto$1,673
East Patchogue$2,669
East Pembroke$1,625
East Pharsalia$1,697
East Quogue$2,237
East Randolph$1,613
East Rochester$1,469
East Rockaway$3,461
East Schodack$1,649
East Setauket$2,693
East Shoreham$2,657
East Springfield$1,697
East Syracuse$1,565
East Williamson$1,529
East Williston$3,089
East Worcester$1,685
Eastchester$2,513
Eastport$2,261
Eaton$1,625
Eatons Neck$2,789
Eden$1,805
Edmeston$1,709
Edwards$1,565
Eggertsville$1,877
Elba$1,553
Elbridge$1,541
Eldred$2,297
Elizabethtown$1,529
Elizaville$1,853
Elka Park$1,925
Ellenburg Center$1,493
Ellenburg Depot$1,481
Ellenville$2,153
Ellicottville$1,637
Ellington$1,613
Ellisburg$1,541
Elma$1,793
Elma Center$1,793
Elmhurst$3,941
Elmira$1,445
Elmira Heights$1,433
Elmont$3,737
Elmsford$2,393
Elwood$2,897
Endicott$1,517
Endwell$1,505
Erieville$1,637
Erin$1,517
Esperance$1,625
Essex$1,517
Etna$1,613
Evans Mills$1,529
Fabius$1,577
Fair Haven$1,601
Fairmount$1,601
Fairport$1,457
Fairview$2,309
Falconer$1,577
Fancher$1,601
Far Rockaway$4,373
Farmersville Station$1,649
Farmingdale$2,897
Farmington$1,469
Farmingville$2,705
Farnham$1,805
Fayetteville$1,589
Felts Mills$1,493
Ferndale$2,309
Feura Bush$1,613
Fillmore$1,637
Findley Lake$1,637
Fine$1,553
Fire Island$3,029
Firthcliffe$2,297
Fishers$1,529
Fishers Island$2,201
Fishers Landing$1,481
Fishkill$2,105
Fishs Eddy$1,781
Flanders$2,213
Fleischmanns$1,877
Floral Park$3,569
Florida$2,381
Flower Hill$3,161
Flushing$4,001
Fly Creek$1,685
Fonda$1,589
Forest Hills$3,797
Forestburgh$2,321
Forestport$1,613
Forestville$1,637
Fort Ann$1,529
Fort Covington Hamlet$1,517
Fort Drum$1,517
Fort Edward$1,529
Fort Hunter$1,577
Fort Johnson$1,589
Fort Montgomery$2,369
Fort Plain$1,577
Fort Salonga$2,789
Frankfort$1,589
Franklin$1,697
Franklin Springs$1,673
Franklin Square$3,665
Franklinville$1,649
Fredonia$1,565
Freedom$1,661
Freehold$1,889
Freeport$3,701
Freeville$1,589
Fremont Center$2,201
Fresh Meadows$3,917
Frewsburg$1,565
Friendship$1,577
Fulton$1,565
Fultonham$1,673
Fultonville$1,589
Gabriels$1,529
Gainesville$1,685
Galeville$1,553
Gallupville$1,661
Galway$1,541
Gang Mills$1,445
Gansevoort$1,517
Garden City$3,317
Garden City Park$3,125
Garden City South$3,497
Gardiner$2,153
Gardnertown$2,321
Garnerville$2,609
Garrattsville$1,709
Garrison$2,309
Gasport$1,745
Gates$1,553
Geneseo$1,577
Geneva$1,481
Genoa$1,589
Georgetown$1,601
Germantown$1,841
Gerry$1,553
Getzville$1,805
Ghent$1,793
Gilbertsville$1,697
Gilboa$1,733
Glasco$1,889
Glen Aubrey$1,505
Glen Cove$2,993
Glen Head$3,041
Glen Oaks$3,593
Glen Spey$2,345
Glen Wild$2,357
Glenfield$1,589
Glenford$1,985
Glenham$2,117
Glenmont$1,625
Glens Falls$1,517
Glens Falls North$1,493
Glenwood$1,817
Glenwood Landing$3,089
Gloversville$1,589
Golden's Bridge$2,333
Gordon Heights$2,741
Goshen$2,369
Gouverneur$1,541
Gowanda$1,685
Grahamsville$2,261
Grand Gorge$1,733
Grand Island$1,805
Grandyle Village$1,805
Granite Springs$2,297
Granville$1,589
Great Bend$1,517
Great Neck$3,269
Great Neck Estates$3,281
Great Neck Gardens$3,269
Great Neck Plaza$3,281
Great River$2,837
Great Valley$1,601
Greece$1,517
Green Island$1,601
Greene$1,613
Greenfield Center$1,541
Greenfield Park$2,117
Greenhurst$1,589
Greenlawn$2,957
Greenport$2,213
Greenport West$2,213
Greenvale$3,113
Greenville$2,129
Greenwich$1,565
Greenwood$1,625
Greenwood Lake$2,453
Greig$1,589
Groton$1,589
Groveland$1,589
Guilderland$1,649
Guilderland Center$1,673
Guilford$1,637
Hadley$1,553
Hagaman$1,589
Hague$1,565
Hailesboro$1,541
Haines Falls$1,961
Halcottsville$1,805
Halesite$2,981
Hall$1,529
Hamburg$1,793
Hamden$1,733
Hamilton$1,625
Hamlin$1,553
Hammond$1,553
Hammondsport$1,565
Hampton$1,565
Hampton Bays$2,237
Hampton Manor$1,625
Hancock$1,769
Hankins$2,225
Hannacroix$1,817
Hannawa Falls$1,541
Hannibal$1,565
Harbor Hills$3,269
Harbor Isle$3,473
Harpersfield$1,793
Harpursville$1,577
Harriman$2,369
Harris$2,333
Harris Hill$1,841
Harrison$2,393
Harrisville$1,541
Hartford$1,541
Hartsdale$2,405
Hartwick$1,685
Hastings$1,541
Hastings-on-Hudson$2,501
Hauppauge$2,849
Haverstraw$2,621
Haviland$2,105
Hawthorne$2,309
Head of the Harbor$2,765
Hector$1,565
Helena$1,505
Hemlock$1,601
Hempstead$4,205
Henderson$1,541
Henderson Harbor$1,541
Henrietta$1,505
Hensonville$1,937
Heritage Hills$2,297
Herkimer$1,541
Hermon$1,553
Herricks$3,101
Heuvelton$1,565
Hewlett$3,581
Hewlett Bay Park$3,665
Hewlett Harbor$3,665
Hicksville$3,017
High Falls$2,033
Highland$2,057
Highland Falls$2,357
Highland Lake$2,333
Highland Mills$2,333
Highmount$1,985
Hillburn$2,657
Hillcrest$2,693
Hillsdale$1,817
Hillside$1,985
Hillside Lake$2,105
Hilton$1,529
Himrod$1,565
Hinckley$1,613
Hinsdale$1,529
Hobart$1,817
Hoffmeister$1,589
Hogansburg$1,481
Holbrook$2,717
Holland$1,757
Holland Patent$1,625
Holley$1,661
Hollis$4,445
Hollowville$1,793
Holmes$2,213
Holtsville$2,717
Homer$1,565
Honeoye$1,601
Honeoye Falls$1,541
Hoosick Falls$1,625
Hopewell Junction$2,129
Hornell$1,517
Horseheads$1,457
Horseheads North$1,433
Hortonville$2,249
Houghton$1,625
Howard Beach$4,517
Howells$2,405
Howes Cave$1,661
Hubbardsville$1,625
Hudson$1,793
Hudson Falls$1,517
Hughsonville$2,105
Huguenot$2,381
Huletts Landing$1,589
Hunt$1,625
Hunter$1,949
Huntington$2,981
Huntington Bay$2,981
Huntington Station$2,993
Hurley$1,997
Hurleyville$2,381
Hyde Park$2,081
Ilion$1,577
Indian Lake$1,565
Inlet$1,565
Interlaken$1,553
Inwood$3,797
Ionia$1,577
Irondequoit$1,577
Irving$1,769
Irvington$2,405
Island Park$3,473
Islandia$3,029
Islip$3,113
Islip Terrace$2,981
Ithaca$1,589
Jackson Heights$3,941
Jacksonville$1,577
Jamaica$4,541
Jamesport$2,225
Jamestown$1,565
Jamestown West$1,565
Jamesville$1,637
Jasper$1,613
Java Center$1,745
Java Village$1,733
Jay$1,541
Jefferson$1,721
Jefferson Heights$1,889
Jefferson Valley$2,333
Jefferson Valley-Yorktown$2,297
Jeffersonville$2,285
Jericho$3,125
Jewett$1,937
Johnsburg$1,577
Johnson$2,405
Johnson City$1,529
Johnsonville$1,625
Johnstown$1,589
Jordan$1,565
Jordanville$1,637
Kanona$1,541
Kaser$2,669
Katonah$2,333
Kattskill Bay$1,529
Kauneonga Lake$2,297
Keene$1,541
Keene Valley$1,541
Keeseville$1,493
Kendall$1,661
Kenmore$1,913
Kennedy$1,589
Kenoza Lake$2,285
Kensington$3,281
Kent$1,673
Kerhonkson$2,045
Keuka Park$1,541
Kew Gardens$4,313
Kiamesha Lake$2,333
Kill Buck$1,565
Killawog$1,541
Kinderhook$1,745
King Ferry$1,577
Kings Park$2,765
Kings Point$3,269
Kingston$1,985
Kirkville$1,565
Kirkwood$1,541
Kiryas Joel$2,393
Knowlesville$1,673
Knoxboro$1,637
La Fargeville$1,493
La Fayette$1,601
Lackawanna$1,997
Lacona$1,577
Lagrangeville$2,129
Lake Carmel$2,261
Lake Clear$1,529
Lake Erie Beach$1,757
Lake George$1,565
Lake Grove$2,741
Lake Hill$1,961
Lake Huntington$2,285
Lake Katrine$1,973
Lake Luzerne$1,517
Lake Mohegan$2,261
Lake Peekskill$2,297
Lake Placid$1,517
Lake Pleasant$1,565
Lake Ronkonkoma$2,729
Lake Success$3,281
Lake View$1,817
Lakeland$1,589
Lakemont$1,553
Lakeview$3,569
Lakeville$1,541
Lakewood$1,553
Lancaster$1,781
Lanesville$1,997
Lansing$1,589
Larchmont$2,441
Latham$1,613
Lattingtown$2,993
Laurel$2,213
Laurel Hollow$3,005
Laurens$1,673
Lawrence$3,761
Lawrenceville$1,541
Lawtons$1,697
Le Roy$1,553
Lee Center$1,613
Leeds$1,841
Leicester$1,589
Leonardsville$1,625
Levittown$2,921
Lewis$1,505
Lewiston$1,769
Liberty$2,261
Lido Beach$3,593
Lily Dale$1,565
Lima$1,553
Lime Lake$1,661
Limerick$1,493
Limestone$1,565
Lincoln Park$1,985
Lincolndale$2,297
Lindenhurst$2,993
Lindley$1,529
Linwood$1,565
Lisbon$1,565
Lisle$1,541
Little Falls$1,553
Little Genesee$1,541
Little Neck$3,737
Little Valley$1,613
Little York$1,589
Liverpool$1,553
Livingston Manor$2,129
Livonia$1,565
Livonia Center$1,589
Lloyd Harbor$2,969
Loch Sheldrake$2,333
Locke$1,577
Lockport$1,733
Lockwood$1,541
Locust Valley$2,981
Lodi$1,553
Long Beach$3,581
Long Eddy$1,949
Long Island City$3,641
Long Lake$1,589
Lorenz Park$1,793
Lorraine$1,517
Lowman$1,493
Lowville$1,553
Lycoming$1,601
Lynbrook$3,485
Lyncourt$1,769
Lyndonville$1,685
Lyon Mountain$1,493
Lyons$1,493
Lyons Falls$1,589
Macedon$1,469
Machias$1,661
Madison$1,625
Madrid$1,565
Mahopac$2,333
Mahopac Falls$2,357
Maine$1,517
Malden Bridge$1,757
Malden On Hudson$1,937
Mallory$1,541
Malone$1,505
Malverne$3,437
Malverne Park Oaks$3,437
Mamaroneck$2,441
Manchester$1,481
Manhasset$3,245
Manhasset Hills$3,125
Manlius$1,601
Mannsville$1,541
Manorhaven$3,125
Manorville$2,357
Maple Springs$1,601
Maple View$1,565
Maplecrest$1,937
Marathon$1,589
Marcellus$1,541
Marcy$1,673
Margaretville$1,877
Mariaville Lake$1,625
Marietta$1,589
Marilla$1,793
Marion$1,517
Marlboro$2,213
Martville$1,601
Maryknoll$2,309
Maryland$1,685
Masonville$1,697
Maspeth$3,761
Massapequa$2,885
Massapequa Park$2,885
Massena$1,481
Mastic$2,681
Mastic Beach$2,693
Matinecock$2,993
Mattituck$2,225
Mattydale$1,649
Maybrook$2,393
Mayfield$1,577
Mayville$1,613
Mc Connellsville$1,625
Mc Donough$1,649
Mc Graw$1,565
Mc Lean$1,589
Mechanicstown$2,405
Mechanicville$1,553
Mecklenburg$1,553
Medford$2,717
Medina$1,685
Medusa$1,733
Mellenville$1,853
Melrose$1,613
Melrose Park$1,565
Melville$2,981
Memphis$1,601
Menands$1,697
Mendon$1,517
Meridale$1,709
Meridian$1,625
Merrick$3,233
Merritt Park$2,105
Mexico$1,553
Middle Falls$1,577
Middle Granville$1,589
Middle Grove$1,553
Middle Island$2,753
Middle Village$3,785
Middleburgh$1,709
Middleport$1,721
Middlesex$1,565
Middletown$2,405
Middleville$1,577
Milford$1,673
Mill Neck$2,957
Millbrook$2,069
Miller Place$2,753
Millerton$2,021
Millport$1,493
Millwood$2,321
Milton$1,877
Mineola$3,113
Minerva$1,577
Minetto$1,565
Mineville$1,529
Minoa$1,565
Model City$1,769
Modena$2,129
Mohawk$1,553
Mohegan Lake$2,261
Moira$1,529
Mongaup Valley$2,309
Monroe$2,393
Monsey$2,669
Montauk$2,237
Montebello$2,645
Montgomery$2,381
Monticello$2,321
Montour Falls$1,541
Montrose$2,309
Mooers$1,469
Mooers Forks$1,481
Moravia$1,613
Moriah$1,553
Moriah Center$1,553
Moriches$2,585
Morris$1,697
Morrisonville$1,445
Morristown$1,553
Morrisville$1,601
Morton$1,541
Mottville$1,589
Mount Ivy$2,645
Mount Kisco$2,333
Mount Marion$1,877
Mount Morris$1,577
Mount Sinai$2,753
Mount Tremper$2,009
Mount Upton$1,625
Mount Vernon$3,305
Mount Vision$1,697
Mountain Dale$2,417
Mountain Lodge Park$2,393
Mountainville$2,501
Mumford$1,529
Munnsville$1,613
Munsey Park$3,197
Munsons Corners$1,553
Muttontown$3,041
Myers Corner$2,093
Nanuet$2,633
Napanoch$2,045
Napeague$2,261
Naples$1,589
Narrowsburg$2,285
Nassau$1,661
Natural Bridge$1,529
Nedrow$1,757
Nelliston$1,589
Nelsonville$2,309
Nesconset$2,777
Neversink$2,237
New Berlin$1,673
New Cassel$3,221
New City$2,633
New Hampton$2,393
New Hartford$1,673
New Hempstead$2,693
New Hyde Park$3,137
New Kingston$1,865
New Lebanon$1,769
New Lisbon$1,697
New Milford$2,441
New Paltz$2,033
New Rochelle$2,513
New Russia$1,565
New Square$2,693
New Suffolk$2,321
New Windsor$2,333
New Woodstock$1,601
New York$3,749
New York Mills$1,649
Newark$1,505
Newark Valley$1,517
Newburgh$2,321
Newcomb$1,565
Newfane$1,745
Newfield$1,601
Newport$1,613
Newton Falls$1,565
Newtonville$1,661
Niagara Falls$1,841
Niagara University$1,781
Nichols$1,505
Nicholville$1,541
Nineveh$1,541
Niobe$1,649
Niskayuna$1,625
Nissequogue$2,765
Niverville$1,745
Norfolk$1,481
North Amityville$3,041
North Babylon$3,065
North Ballston Spa$1,553
North Bangor$1,565
North Bay$1,613
North Bay Shore$3,113
North Bellmore$3,209
North Bellport$2,693
North Blenheim$1,685
North Boston$1,769
North Branch$2,261
North Brookfield$1,637
North Chatham$1,745
North Chili$1,481
North Collins$1,757
North Creek$1,565
North Evans$1,829
North Gates$1,565
North Granville$1,577
North Great River$2,993
North Greece$1,493
North Haven$2,237
North Hills$3,185
North Hoosick$1,649
North Hudson$1,565
North Java$1,733
North Lawrence$1,529
North Lindenhurst$2,993
North Lynbrook$3,485
North Massapequa$2,885
North Merrick$3,233
North New Hyde Park$3,125
North Patchogue$2,657
North Pitcher$1,661
North River$1,553
North Rose$1,541
North Salem$2,357
North Sea$2,237
North Syracuse$1,589
North Tonawanda$1,769
North Valley Stream$3,749
North Wantagh$2,921
Northampton$2,225
Northeast Ithaca$1,589
Northport$2,789
Northville$1,781
Northwest Harbor$2,225
Northwest Ithaca$1,589
Norwich$1,613
Norwood$1,553
Noyack$2,225
Nunda$1,601
Nyack$2,573
Oak Hill$1,841
Oakdale$2,813
Oakfield$1,649
Oakland Gardens$3,869
Oaks Corners$1,529
Obernburg$2,261
Ocean Beach$2,873
Oceanside$3,521
Odessa$1,565
Ogdensburg$1,553
Olcott$1,745
Old Bethpage$2,945
Old Brookville$3,089
Old Chatham$1,757
Old Field$2,693
Old Forge$1,577
Old Westbury$3,173
Olean$1,541
Olivebridge$1,985
Olmstedville$1,565
Oneida$1,601
Oneonta$1,673
Ontario$1,469
Ontario Center$1,505
Orange Lake$2,321
Orangeburg$2,573
Orchard Park$1,817
Orient$2,225
Oriskany$1,673
Oriskany Falls$1,649
Ossining$2,309
Oswegatchie$1,565
Oswego$1,565
Otego$1,673
Otisville$2,429
Ouaquaga$1,541
Ovid$1,553
Owego$1,517
Owls Head$1,505
Oxbow$1,529
Oxford$1,613
Oyster Bay$2,981
Oyster Bay Cove$2,981
Ozone Park$4,529
Painted Post$1,457
Palatine Bridge$1,565
Palenville$1,901
Palisades$2,585
Palmyra$1,505
Panama$1,613
Paradox$1,553
Parish$1,589
Parishville$1,541
Parksville$2,237
Patchogue$2,657
Patterson$2,309
Pattersonville$1,625
Paul Smiths$1,529
Pavilion$1,565
Pawling$2,189
Peach Lake$2,345
Pearl River$2,573
Peconic$2,225
Peekskill$2,297
Pelham$2,681
Pelham Manor$2,621
Penfield$1,457
Penn Yan$1,541
Pennellville$1,529
Perkinsville$1,589
Perry$1,625
Perrysburg$1,637
Peru$1,445
Peterboro$1,577
Petersburg$1,637
Phelps$1,469
Philadelphia$1,529
Phillipsport$2,477
Philmont$1,793
Phoenicia$2,021
Phoenix$1,541
Piercefield$1,565
Piermont$2,561
Pierrepont Manor$1,553
Piffard$1,565
Pine Bush$2,381
Pine City$1,457
Pine Hill$1,973
Pine Island$2,429
Pine Plains$1,961
Pine Valley$1,553
Piseco$1,577
Pitcher$1,661
Pittsford$1,493
Plainedge$2,873
Plainview$3,005
Plainville$1,589
Plandome$3,197
Plandome Heights$3,209
Plandome Manor$3,209
Plattekill$2,225
Plattsburgh$1,433
Plattsburgh West$1,433
Pleasant Valley$2,117
Pleasantville$2,309
Plessis$1,529
Plymouth$1,625
Poestenkill$1,625
Point Lookout$3,461
Poland$1,625
Pomona$2,645
Pond Eddy$2,357
Poplar Ridge$1,577
Poquott$2,693
Port Byron$1,553
Port Chester$2,405
Port Crane$1,553
Port Dickinson$1,541
Port Ewen$1,985
Port Gibson$1,565
Port Henry$1,529
Port Jefferson$2,729
Port Jefferson Station$2,693
Port Jervis$2,357
Port Kent$1,517
Port Leyden$1,589
Port Washington$3,113
Port Washington North$3,113
Portageville$1,661
Porter Corners$1,553
Portlandville$1,673
Portville$1,553
Potsdam$1,541
Pottersville$1,553
Poughkeepsie$2,105
Poughquag$2,213
Pound Ridge$2,357
Prattsburgh$1,577
Prattsville$1,937
Preble$1,565
Preston Hollow$1,733
Prospect$1,613
Pulaski$1,577
Pulteney$1,577
Pultneyville$1,541
Purchase$2,405
Purdys$2,345
Purling$1,901
Putnam Lake$2,309
Putnam Station$1,565
Putnam Valley$2,309
Pyrites$1,541
Quaker Street$1,625
Queens Village$4,169
Queensbury$1,493
Quiogue$2,237
Quogue$2,273
Rainbow Lake$1,517
Randolph$1,589
Ransomville$1,733
Rapids$1,745
Raquette Lake$1,577
Ravena$1,697
Ray Brook$1,493
Raymondville$1,481
Reading Center$1,565
Red Creek$1,565
Red Hook$1,973
Red Oaks Mill$2,105
Redfield$1,553
Redford$1,481
Redwood$1,529
Rego Park$3,917
Remsen$1,625
Remsenburg$2,345
Rensselaer$1,637
Rensselaer Falls$1,565
Rensselaerville$1,733
Retsof$1,601
Rexford$1,529
Rexville$1,613
Rhinebeck$1,997
Rhinecliff$2,057
Richburg$1,541
Richfield Springs$1,685
Richford$1,553
Richland$1,553
Richmond Hill$4,493
Richmondville$1,661
Richville$1,553
Ridge$2,645
Ridgewood$3,917
Rifton$1,997
Riparius$1,553
Ripley$1,601
Riverhead$2,225
Riverside$2,225
Rochester$1,589
Rock City Falls$1,565
Rock Hill$2,333
Rock Stream$1,553
Rock Tavern$2,357
Rockaway Park$4,385
Rockville Centre$3,437
Rocky Point$2,753
Rodman$1,493
Rome$1,613
Romulus$1,529
Ronkonkoma$2,729
Roosevelt$3,917
Rooseveltown$1,529
Roscoe$2,057
Roseboom$1,697
Rosedale$4,529
Rosendale$2,021
Rosendale Hamlet$1,985
Roslyn$3,161
Roslyn Estates$3,161
Roslyn Harbor$3,161
Roslyn Heights$3,221
Rotterdam$1,649
Rotterdam Junction$1,613
Round Lake$1,541
Round Top$1,925
Rouses Point$1,469
Roxbury$1,733
Ruby$1,985
Rush$1,529
Rushford$1,649
Rushville$1,553
Russell$1,565
Russell Gardens$3,269
Rye$2,393
Rye Brook$2,405
Sabael$1,541
Sackets Harbor$1,493
Saddle Rock$3,269
Sag Harbor$2,225
Sagaponack$2,321
Saint Albans$4,685
Saint Johnsville$1,577
Saint Regis Falls$1,565
Salamanca$1,601
Salem$1,577
Salisbury$3,233
Salisbury Center$1,577
Salisbury Mills$2,369
Salt Point$2,081
Saltaire$3,089
Sanborn$1,769
Sand Lake$1,637
Sand Ridge$1,529
Sands Point$3,113
Sandusky$1,661
Sandy Creek$1,577
Saranac$1,481
Saranac Lake$1,517
Saratoga Springs$1,541
Sardinia$1,769
Saugerties$1,889
Saugerties South$1,889
Sauquoit$1,625
Savannah$1,565
Savona$1,541
Sayville$2,729
Scarsdale$2,429
Schaghticoke$1,601
Schenectady$1,649
Schenevus$1,685
Schodack Landing$1,661
Schoharie$1,673
Schroon Lake$1,553
Schuyler Falls$1,445
Schuyler Lake$1,685
Schuylerville$1,541
Scio$1,541
Scipio Center$1,565
Scotchtown$2,393
Scotia$1,601
Scotts Corners$2,369
Scottsburg$1,601
Scottsville$1,505
Sea Cliff$2,993
Seaford$2,885
Searingtown$3,113
Selden$2,717
Selkirk$1,625
Seneca Castle$1,553
Seneca Falls$1,505
Seneca Knolls$1,589
Setauket-East Setauket$2,693
Severance$1,553
Shandaken$1,973
Sharon Springs$1,649
Shelter Island$2,213
Shelter Island Heights$2,225
Shenorock$2,297
Sherburne$1,625
Sherman$1,637
Sherrill$1,613
Shinnecock Hills$2,237
Shirley$2,693
Shokan$1,985
Shoreham$2,657
Shortsville$1,469
Shrub Oak$2,273
Shushan$1,601
Sidney$1,697
Sidney Center$1,697
Silver Bay$1,553
Silver Creek$1,685
Silver Lake$1,613
Silver Springs$1,661
Sinclairville$1,577
Skaneateles$1,577
Skaneateles Falls$1,541
Slate Hill$2,393
Slaterville Springs$1,601
Sleepy Hollow$2,345
Slingerlands$1,625
Sloan$2,033
Sloansville$1,649
Sloatsburg$2,645
Smallwood$2,381
Smithboro$1,553
Smithtown$2,789
Smithville Flats$1,625
Smyrna$1,625
Sodus$1,529
Sodus Point$1,541
Solsville$1,625
Solvay$1,589
Somers$2,297
Sonyea$1,577
Sound Beach$2,765
South Bethlehem$1,637
South Blooming Grove$2,393
South Butler$1,565
South Byron$1,541
South Cairo$1,901
South Colton$1,541
South Dayton$1,637
South Fallsburg$2,405
South Farmingdale$2,885
South Floral Park$3,557
South Glens Falls$1,505
South Hempstead$3,881
South Hill$1,589
South Huntington$3,005
South Jamesport$2,237
South Kortright$1,781
South Lima$1,541
South Lockport$1,745
South New Berlin$1,649
South Nyack$2,573
South Otselic$1,661
South Ozone Park$4,661
South Plymouth$1,649
South Richmond Hill$4,601
South Salem$2,357
South Valley Stream$3,797
South Wales$1,745
Southampton$2,237
Southfields$2,417
Southold$2,225
Southport$1,457
Spackenkill$2,105
Sparkill$2,561
Sparrow Bush$2,321
Speculator$1,577
Spencer$1,553
Spencerport$1,505
Spencertown$1,793
Speonk$2,345
Sprakers$1,589
Spring Brook$1,745
Spring Glen$2,141
Spring Valley$2,681
Springfield Center$1,661
Springfield Gardens$4,505
Springs$2,225
Springville$1,697
Springwater$1,613
St. Bonaventure$1,541
St. James$2,777
Staatsburg$2,009
Stafford$1,529
Stamford$1,721
Stanfordville$2,069
Stanley$1,505
Star Lake$1,565
Staten Island$3,365
Steamburg$1,613
Stella Niagara$1,661
Stephentown$1,649
Sterling$1,589
Sterling Forest$2,489
Stewart Manor$3,209
Stillwater$1,565
Stittville$1,685
Stockton$1,565
Stone Ridge$2,009
Stony Brook$2,705
Stony Brook University$2,705
Stony Creek$1,565
Stony Point$2,609
Stormville$2,225
Stottville$1,793
Stow$1,601
Stratford$1,577
Strykersville$1,721
Stuyvesant$1,757
Stuyvesant Falls$1,769
Suffern$2,645
Sugar Loaf$2,369
Summit$1,709
Summitville$2,453
Sunnyside$3,653
Sunset Bay$1,733
SUNY Oswego$1,565
Surprise$1,877
Swain$1,589
Swan Lake$2,297
Sylvan Beach$1,613
Syosset$3,005
Syracuse$1,697
Taberg$1,613
Tallman$2,549
Tannersville$1,913
Tappan$2,561
Tarrytown$2,369
Terryville$2,693
Thendara$1,565
Theresa$1,541
Thiells$2,633
Thomaston$3,269
Thompson Ridge$2,369
Thompsonville$2,345
Thornwood$2,309
Thousand Island Park$1,493
Three Mile Bay$1,505
Ticonderoga$1,553
Tillson$2,021
Tioga Center$1,529
Titusville$2,105
Tivoli$1,985
Tomkins Cove$2,597
Tonawanda$1,925
Town Line$1,805
Treadwell$1,781
Tribes Hill$1,589
Troupsburg$1,613
Trout Creek$1,781
Troy$1,613
Trumansburg$1,589
Truxton$1,589
Tuckahoe$2,381
Tully$1,553
Tunnel$1,649
Tupper Lake$1,517
Turin$1,589
Tuxedo Park$2,381
Ulster Park$1,997
Unadilla$1,709
Union Hill$1,517
Union Springs$1,541
Uniondale$3,809
Unionville$2,417
University at Buffalo$1,853
University Gardens$3,305
Upper Brookville$2,969
Upper Jay$1,541
Upper Nyack$2,573
Upton$2,513
Utica$1,697
Vails Gate$2,333
Valatie$1,745
Valhalla$2,357
Valley Cottage$2,585
Valley Falls$1,625
Valley Stream$3,725
Van Buren Point$1,577
Van Etten$1,577
Van Hornesville$1,625
Varysburg$1,697
Verbank$2,117
Vermontville$1,517
Vernon$1,625
Vernon Center$1,613
Verona$1,613
Verona Beach$1,601
Verplanck$2,309
Versailles$1,649
Vestal$1,517
Victor$1,469
Victory$1,541
Victory Mills$1,565
Village Green$1,553
Village of the Branch$2,777
Viola$2,669
Voorheesville$1,625
Waccabuc$2,357
Waddington$1,505
Wading River$2,537
Wainscott$2,261
Walden$2,369
Wales Center$1,769
Walker Valley$2,225
Wallkill$2,225
Walton$1,733
Walton Park$2,393
Walworth$1,481
Wampsville$1,601
Wanakah$1,793
Wanakena$1,553
Wantagh$2,945
Wappingers Falls$2,105
Warners$1,589
Warnerville$1,661
Warrensburg$1,541
Warsaw$1,673
Warwick$2,429
Washington Heights$2,417
Washington Mills$1,613
Washingtonville$2,381
Wassaic$2,093
Water Mill$2,237
Waterford$1,529
Waterloo$1,505
Waterport$1,685
Watertown$1,493
Waterville$1,649
Watervliet$1,613
Watkins Glen$1,553
Waverly$1,553
Wawarsing$2,045
Wayland$1,589
Webster$1,481
Weedsport$1,589
Wellesley Island$1,493
Wells$1,589
Wells Bridge$1,721
Wellsburg$1,445
Wellsville$1,529
Wesley Hills$2,681
West Babylon$3,017
West Bay Shore$3,089
West Bloomfield$1,529
West Burlington$1,721
West Camp$1,961
West Carthage$1,517
West Chazy$1,445
West Clarksville$1,541
West Coxsackie$1,829
West Davenport$1,709
West Eaton$1,637
West Edmeston$1,673
West Elmira$1,445
West End$1,673
West Falls$1,769
West Fulton$1,673
West Glens Falls$1,493
West Harrison$2,429
West Haverstraw$2,621
West Hempstead$3,713
West Henrietta$1,505
West Hills$2,981
West Hurley$2,021
West Islip$3,053
West Kill$1,973
West Lebanon$1,781
West Leyden$1,601
West Monroe$1,553
West Nyack$2,573
West Oneonta$1,685
West Park$2,009
West Point$2,297
West Sand Lake$1,613
West Sayville$2,801
West Seneca$1,961
West Shokan$1,985
West Stockholm$1,529
West Valley$1,685
West Winfield$1,697
Westbrookville$2,381
Westbury$3,221
Westdale$1,625
Westerlo$1,733
Westernville$1,613
Westfield$1,589
Westford$1,685
Westhampton$2,249
Westhampton Beach$2,237
Westmere$1,649
Westmoreland$1,625
Weston Mills$1,541
Westport$1,529
Westtown$2,393
Westvale$1,613
Wevertown$1,565
Wheatley Heights$3,137
Whippleville$1,529
White Lake$2,357
White Plains$2,429
White Sulphur Springs$2,273
Whitehall$1,565
Whitesboro$1,673
Whitestone$3,809
Whitesville$1,565
Whitney Point$1,541
Willard$1,565
Willet$1,589
Williamson$1,505
Williamstown$1,577
Williamsville$1,865
Williston Park$3,089
Willow$1,973
Willsboro$1,517
Willseyville$1,541
Wilmington$1,517
Wilson$1,745
Windham$1,877
Windsor$1,541
Wingdale$2,189
Winthrop$1,541
Witherbee$1,553
Wolcott$1,553
Woodbourne$2,381
Woodbury$3,005
Woodgate$1,625
Woodhaven$4,529
Woodhull$1,613
Woodmere$3,797
Woodridge$2,381
Woodsburgh$3,809
Woodside$3,725
Woodstock$1,949
Worcester$1,673
Wurtsboro$2,453
Wyandanch$3,149
Wynantskill$1,625
Wyoming$1,637
Yaphank$2,729
Yonkers$2,849
Yorktown Heights$2,297
Yorkville$1,697
Youngstown$1,733
Youngsville$2,261
Yulan$2,321
Zena$1,949

How to find the best car insurance in New York

Finding the best New York insurance for your car will be highly dependent on your unique needs as well as local considerations. There are, however, things you can do to help the process of shopping for affordable car insurance quotes in NY.

Consider New York's minimum insurance requirements

In New York, auto insurance is required. The New York Department of Motor Vehicles (DMV) will not allow you to register your vehicle until you have purchased a policy. Liability, personal injury protection (PIP), and uninsured motorist coverage are all included in the statutory minimum limitations.

You won't be allowed to purchase coverage that does not meet the minimal limitations, so don't worry about memorizing New York's car insurance requirements. Knowing the state's minimal level of coverage, on the other hand, may assist you in determining whether you require greater limits or extra coverage options.

Consider the needs of the lender

Your lender will almost certainly want comprehensive coverage if you have a loan or a lease. Optional comprehensive and collision coverage, which provide coverage for damage to your car, are not included in the minimum coverage limitations. You'll need to purchase a full coverage policy to get them.

You might also want to look into gap insurance.

Gap insurance is meant to reimburse the difference if your new car is totaled and the claim amount is less than the balance on your loan.

Take into account your unique requirements

Consider a few aspects when evaluating your car insurance needs, such as whether you have a youngster who is about to start driving, the brand and model of your vehicle, your credit history, and your driving record.

Each of these elements has the potential to affect your New York auto insurance price, so it's crucial to think about them all. Many New York auto insurance, for example, give a new vehicle or an electrical car discount if you recently purchased a brand new electric car. You could save money if you know which insurance companies provide these reductions.

The average cost of car insurance in New York

According to our team's expert analysis, the average car insurance rate in New York for a driver age 30 is $177 per month or $2070 per year for full coverage. That's an extra $300 per year over the national average ($1770). New York drivers will pay $81 per month ($972 yearly) for liability limits of 50/100/50. The average monthly car insurance premium for state-mandated coverage is $78, or $936 annually.

Use our average car insurance rates tool to compare rates when shopping for car insurance. Enter your ZIP code to find out the typical premium in your area. You'll also see the highest and lowest rates from the six main car insurance companies surveyed to get a sense of what the most cost-effective option is in your location.

See what you could save on auto insurance

Reasons Why Auto Insurance Costs More in New York

In the United States, the average motorist costs $1434 per year for a full coverage policy with limits of 100/300/100. On the other hand, car insurance is substantially more expensive in New York, where the average driver pays $3438 per year for coverage. Only Michigan beats it out for the most expensive insurance premiums in the country. With a 15% increase in rates over the last six years, insurance premiums in New York show no signs of slowing down.

Car insurance in New York is expensive due to high healthcare costs and additional insurance regulations. As a result, Way.com advises drivers to compare prices and shop around for low-cost auto insurance in New York.

The average cost of car insurance has steadily grown across the United States in recent years, and New York is no exception. This tendency is influenced by several factors, including roadway density, driver demographics, and the effects of harsh weather.

The average car insurance rate in Rochester, NY, is $1305. You can get cheap car insurance in Rochester, NY, from Progressive, and the average rate would come up to $1056.

The average rate of Brooklyn car insurance is $1011 annually.

State of No-Fault

New York is a no-fault state, which means you can file a claim with your insurance company regardless of who caused the accident. Personal injury protection (PIP) insurance — often known as no-fault insurance — is commonly required in no-fault jurisdictions to ensure that drivers are fully insured in the event of an accident.

Healthcare costs are expensive

Healthcare is costly in the United States, but it is considerably more so in New York. Insurance companies pay out more claims to cover the expense of treating injuries when healthcare costs are high. To compensate for these higher-than-average healthcare costs, insurance companies raise policy rates.

Requirements for additional insurance

In most states, including New York, auto insurance is necessary to register and drive a car. In addition, drivers must have personal injury protection (PIP) and uninsured motorist coverage in the state.

These coverage requirements are more stringent than those found in other states, which normally merely demand liability coverage. These rules contribute to why automobile insurance in New York is so expensive because the amount of coverages included in your policy boosts your rate.

Risks of Severe Weather

New York and New Jersey, Pennsylvania, Maryland, Delaware, and Washington, DC, make up the Mid-Atlantic area. Hurricanes and winter storms pose a significant threat to this area.

Winter storms, which usually occur between the end of October and April, can make even the safest roadways perilous. Flooding is more likely during hurricanes, resulting in a total loss. Both serious accidents and total losses are expensive for insurance companies to pay out; carriers reduce the financial risk of these disasters by charging higher premiums.

A high possibility of theft or vandalism

Crime rates influence the cost of car insurance in New York in the neighborhood. Theft and vandalism are more common in areas where people are more inclined to make claims, so rates are higher. New York City is currently rated as safer than only 26% of all cities in the United States. Only 6% and 7% of other cities, respectively, are rated safer than Buffalo and Rochester, the state's second and third largest cities.

Things to Know About Car Insurance When Moving to New York

New York City has inspired painters, novelists, musicians, poets, and other varied dreamers throughout its history. It's known as Gotham, the Big Apple, The City That Never Sleeps, or simply The City. Although it is not New York's capital, it was formerly the United States' capital and is probably the world's financial capital.

To get around New York City, you don't need a car. Because public transportation is great and parking is rare and expensive, many inhabitants (especially those in Manhattan) live without a car. You'll need New York State minimum auto insurance if you have a car.

Before registering your car in New York, you must show proof of insurance. You can compare auto insurance prices for New York City here.

Car Insurance Discounts in New York

Aside from having a clean driving record and a strong credit history, taking advantage of insurance company discounts can help you save money on your auto insurance.

Most insurers will give you a discount if you combine your homeowner's or renter's insurance with your car insurance or if you complete a driver's education course. Check with your insurance company or agent to see if you qualify for any savings.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How much is car insurance per month in NY?

The average car insurance rate in New York is $177 a month, or $2070 a year for drivers aged 30 for maximum coverage, based on our team's expert research. New York drivers can pay $80 per month ($960 per year) for liability caps of 50/100/50.

Who has the cheapest car insurance in NY?

State Farm has the cheapest auto insurance in New York, costing an average of $1010 a year for minimum insurance coverage.

Is car insurance expensive in New York?

In New York, car insurance is more expensive than the national average. The car insurance in New York is about $1500 a year for full coverage and about $600 per year for minimum coverage.

Who has the best car insurance rates in NY?

State Farm has the cheapest auto insurance in New York, costing an average of $1010 a year for minimum insurance coverage. The average cost of car insurance in New York is $1380 a year for a minimum insurance package, although the premiums can vary considerably depending on the company and location.

How can I lower my car insurance in NYC?

Follow the below tips to lower your car insurance in NY:

  • Practice safe driving
  • Check for discounts when you renew or signup
  • Check out the discount list
  • Choose the model of your car after careful consideration
  • Bundle your insurance policies
  • Improve your credit scores
  • Invest in additional safety features
  • Increase the deductible

Why is car insurance so expensive in New York?

In New York, car insurance is expensive because it's a non-fault state with a high rate of insurance fraud.

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Learn more by city and state for car insurance




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