Car insurance quotes in New York New York drivers pay $1,231 for a six month policy — 14% more expensive than than the U.S. average. [1] However, auto insurance cost is not just about where you live — factors like age and driving history play a big role. 39% feel they're overpaying, but for those who value top-notch service and coverage, New York Central Mutual (NYCM) or Progressive are ...