Is car insurance more expensive in NYC than in Los Angeles?

I’m moving from Los Angeles to New York City in a few months, and I’m currently paying a small fortune for my car insurance. Am I finally going to be able to catch a break, or are rates higher in NYC?

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Answer provided by
Andrea Barrett
Answered on May 23, 2022
We feel you! Insurance rates can get you in cities as big and bustling as New York City and Los Angeles. We hate to disappoint you, but car insurance in New York City is more expensive compared to LA.
Drivers in Los Angeles pay an average of $1,879 a year for car insurance, while New Yorkers pay more than double at an average of $3,914 a year. As if that wasn’t bad enough, the rates in New York City span from $1,378 all the way up to a jaw-dropping $10,464.
While the average car insurance rate in Los Angeles is 34.5% higher than the national average, the average car insurance rate in New York City is a staggering 188.1% higher —and drivers in NYC pay 19.5% more than drivers in other areas of the state.
With a city as big and busy as NYC, you’re looking at several factors that influence insurance rates, including:
Driving in New York City may not be wallet-friendly—it’s why most people in the city don’t own cars—but if you have to get behind the wheel, you can at least feel confident that you’re getting the best rate on car insurance when you shop with Jerry.
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