10 Cities for the Cheapest Car Insurance in New York

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The state of New York is infamous. There are songs about its cities, it’s the home of countless movies and films, and thousands of visitors worldwide flock to it every year. While there are dozens of things to appreciate about New York, it’s unlikely that car insurance is one of them.

New York has some of the most expensive car insurance rates in the nation, but this doesn’t mean that you can’t find affordable insurance in the Empire State. We’ve scoured the entire state for the cheapest (and most expensive) cities for car insurance. Whether you’re looking to relocate or are already a resident of these cities, we’re sure this list will come in handy. 

10. Webster – $89

Webster’s town motto is “Where Life is Worth Living,” and we can’t agree more with insurance prices like these. Founded in 1840, the town is named after statesman Daniel Webster in honor of his eloquence when speaking to the townspeople.  Bordered by Lake Ontario, this small town has lots to offer regarding picturesque lake views and a slower pace of life. Drivers here can expect to pay an average of $89/mo in auto insurance. 

9. Watervliet – $87

Known by the locals as “The Arsenal City”, Waterlievet is located in Albany County, near the capital of New York. The city’s nickname comes from its use as the site of the Watervliet Arsenal. The town is proud to host the oldest continuously active arsenal in the United States, as they produce much of the US army’s artillery here. Its proximity to Albany allows residents to maintain a small-town feel while enjoying the spice of city life that the capital brings. Drivers in Watervliet will pay an average of $87/mo in auto insurance. 

8. Watertown – $85

Located along the Black River, Watertown is literally a water town. Residents enjoy white water rafting in the summers and ice skating in the winter season. Only 30 miles from the Canadian bridge, shopping from Canadian visitors encompasses a large part of Watertown’s economy. History buffs will enjoy the many historic buildings and districts of the city that showcase remarkable architecture. Residents of Watertown pay an average of $85/mo for auto insurance. 

7. Binghamton – $84

Binghamton is known as the Carousel capital of the world. The city is home to six of the remaining antique carousels. The city is also known for its local dish spiedie, which is marinated meat cut into cubes and served in a hot dog bun. Residents enjoy Binghamton’s flourishing art scene, with several galleries and shops to peruse through. Our studies revealed that drivers in Binghamton pay an average of $84/mo in car insurance. 

6. Endicott – $82

Named after Henry B. Endicott, the village of Endicott sits close to the border of Pennsylvania and New York. Endicott is also known as the birthplace of IBM, and the headquarters was based there until the 1940s. A family-centered town, there are several parks and family fun centers for residents to frequent and spend time at. Our analysis shows Endicott drivers can expect to pay a monthly average of $82 for auto insurance. 

5. Troy – $81

The city of Troy, or the Collar City, is located on the eastern bank of the Hudson River, just north of Albany. The city got the nickname from its history of producing shirts, collars, and other textile productions. Troy is home to Rensselaer Polytechnic Institute, the oldest private engineering and technical school in the United States. The city’s motto is Ilium fuit, Troy est, which means, “Illium was, Troy is.” Residents of Troy can expect to pay $81/mo for auto insurance. 

4. Ithaca – $80

Ithaca is home to a diverse citizenry. While many people live in this city to attend Cornell University, others have called it home for years and have no intentions of leaving. Ithaca has much to offer in bustling downtown life but doesn’t fall short in the nature area either. It’s famous for its many waterfalls, boasting over 100 within 10 miles of Ithaca’s downtown. The only thing better than the town’s amenities is its affordable car insurance. Ithaca drivers will pay a monthly average of $80 for car insurance. 

3. Liverpool – $79

This suburb of Syracuse, located on Onondaga Lake, is ranked as one of the best places to live in the Empire State. Originally called “Little Ireland”, the city’s name was later changed to Liverpool, after the city in the United Kingdom. This is probably because Liverpool produced salt, similar to its UK counterpart. Liverpool drivers can expect to pay a monthly average of $79 for auto insurance. 

2. Saratoga Springs – $74

Named after its mineral springs, Saratoga Springs is a city full of history, nature, and great restaurants. A popular tourist destination, this city is a relatively wealthy town and has much to offer to its residents and visitors. Drivers in Saratoga Springs will pay a monthly average of $74 for car insurance.

1. Plattsburgh – $67

Plattsburgh comes in as the cheapest city in New York for car insurance. Situated on the northern tip of New York, this city is right on Lake Champlain. Locals enjoy bird watching, days on the lake, and visits to Plattsburgh City Beach, one of the largest freshwater beaches in New York. Plattsburgh residents will typically pay a monthly average of $67 for auto insurance. 

City  Average Monthly Car Insurance
Plattsburgh  $67
Saratoga Springs  $74
Liverpool  $79
Ithaca  $80
Troy  $81
Endicott  $82
Binghamton $84
Watertown  $85
Watervliet $87
Webster $89


5 Most Expensive Cities for Car Insurance in New York

We’ve seen the cheapest cities for car insurance in New York, but what about the most expensive cities? We’ve rounded up the 5 most expensive cities for car insurance in New York below.

5. South Ozone Park – $274

South Ozone Park may sound like the name of a futuristic city, but this city is located in the Queens area of New York.  It’s minutes away from John F Kennedy airport and boasts a diverse demographic. In the 1880s, this town was marketed as the perfect area for small families to live, with several small homes built near farm fields. Even now, the area continues to attract new families looking to put down roots in New York. Drivers located in South Ozone Park will pay $274/mo in auto insurance. 

4. Rosedale – $283

Rosedale is a dense suburban city in the southeastern area of Queens. The city is home to many coffee shops, small parks, and restaurants. Although the town has a suburban feel, it’s not reached by any subway lines. Rosedale residents can expect to pay a monthly average of $283 for auto insurance. 

3. Richmond Hill -$298

One of the first planned communities in Queens, Richmond Hill’s inception dates back to the early 1900s. The city is typically characterized as a mix between suburbia and inner-city living. What began as farmland slowly developed into a bustling city full of life. The town is quite walkable and has an abundance of public transportation available to its residents. Our study revealed that Richmond Hill drivers pay a monthly average of $298 for liability insurance. 

2. Howard Beach – $300

The second most expensive city for car insurance in New York is Howard Beach. Howard Beach was founded in the 1890s by William J. Howard, a Brooklyn glove manufacturer. He purchased over 500 acres and began laying out streets and homes to invite residents to the city. Fast forward 100+ years, the city is now a bustling mix of beach life, shopping, and Cape Cod-style homes. Although Hurricane Sandy of 2013 hit the city hard, it has made a comeback in recent years and continues to welcome visitors today. Drivers in this city can expect to pay $300/mo for liability insurance. 

1. Hauppauge – $304 

Without further ado, the most expensive city for car insurance in New York is Hauppauge. The town name comes from the Algonquin Native American term for “sweet waters,” as this area is where they would go to get fresh drinking water. Hauppauge is also home to one of the largest industrial parks in the nation, with over 50,000 people employed there. Hauppauge residents pay an average of $304/mo in auto insurance. 

City  Average Monthly Car Insurance 
South Ozone Park $274
Rosedale  $283
Richmond Hill  $298
Howard Beach  $300
Hauppauge  $304 

How Does Your Home Town Compare?

We analyzed data from tens of thousands of car insurance quotes generated on Compare.com to give you an idea of what you might pay for car insurance in your city. Data from nearly 250 cities across the state of New York can be found below:

City Average Monthly Car Insurance Premium
Albany $93
Amityville $188
Amsterdam $99
Arverne $206
Astoria $172
Auburn $99
Baldwin $232
Bay Shore $189
Bayside $258
Bellerose $162
Bellmore $164
Bellport $146
Bethpage $159
Binghamton $84
Brentwood $186
The Bronx $260
Brooklyn $260
Buffalo $169
Centereach $135
Central Islip $169
College Point $199
Coram $144
Corona $232
Deer Park $173
East Elmhurst $209
East Meadow $149
Elmhurst $195
Elmont $203
Endicott $82
Far Rockaway $254
Farmingdale $147
Farmingville $140
Fayetteville $168
Floral Park $155
Flushing $185
Forest Hills $163
Freeport $202
Fresh Meadows $173
Great Neck $157
Hauppauge $304
Hempstead $220
Hicksville $146
Hollis $241
Howard Beach $300
Huntington $141
Huntington Station $145
Ithaca $80
Jackson Heights $179
Jamaica $268
Jamestown $90
Kew Gardens $213
Kings Park $130
Kingston $88
Levittown $189
Lindenhurst $175
Liverpool $79
Lockport $107
Long Beach $146
Long Island City $157
Mahopac $86
Maspeth $175
Massapequa $156
Medford $181
Merrick $165
Middle Village $170
Middletown $141
Monroe $116
Monsey $156
Monticello $115
Mount Vernon $223
Nanuet $162
New Hyde Park $179
New Rochelle $185
New Windsor $110
New York City $177
Newburgh $160
Niagara Falls $144
North Babylon $189
North Tonawanda $119
Nyack $167
Oakland Gardens $181
Oceanside $173
Ossining $143
Ozone Park $250
Patchogue $138
Peekskill $160
Plainview $138
Plattsburgh $67
Port Chester $138
Port Jefferson Station $160
Poughkeepsie $121
Queens Village $236
Rego Park $213
Richmond Hill $298
Ridgewood $204
Riverhead $128
Rochester $109
Rockaway Park $247
Rocky Point $177
Ronkonkoma $207
Rosedale $283
Saint Albans $262
Saratoga Springs $74
Scarsdale $110
Schenectady $120
Selden $143
Shirley $220
Smithtown $148
South Ozone Park $274
South Richmond Hill $256
Springfield Gardens $233
Spring Valley $190
Staten Island $183
Stony Point $240
Suffern $216
Syracuse $97
Tonawanda $133
Troy $81
Uniondale $227
Utica $90
Valley Stream $217
Wantagh $200
Wappingers Falls $104
Watertown $85
Watervliet $87
Webster $89
West Babylon $182
Westbury $174
White Plains $189
Whitestone $168
Woodhaven $271
Woodside $170
Wyandanch $191
Yonkers $231

As you can see, car insurance rates can vary wildly from city to city. For example, car insurance in Ithaca is about $80 a month, on average. In Brooklyn or the Bronx, it’s more than three times that number. New York has some of the highest car insurance rates in the U.S., but that doesn’t mean you’ll pay the same all across the state.

Click on each city in the table above to find detailed breakdowns of the factors that go into calculating your monthly premium. There, you’ll find all the information you need on things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

If you’re searching for car insurance in New York, it is possible to find affordable rates. Compare.com can help you find the most affordable rates for your city in minutes. Simply enter your zip code below to get started.

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