New York Auto Insurance: $158/mo NAIC baseline

Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.

New York auto insurance averages $158/mo (NAIC 2023 published baseline). No new New York filings in the past 30 days, so the baseline is the best available reference point.

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Why this pick

New York auto insurance ($1,779/yr NAIC 2023) is high, but the per-claim payout is fast: no-fault PIP covers $50K of medical without litigation, which keeps minor claims out of court entirely.

How PolicyChat sources this data

Public DOI filings + NAIC published averages + licensed partner feeds. Per-record provenance. Methodology: /methodology/rate-authority/

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