New York vs Texas: Car Insurance Cost
Texas has cheaper average full coverage car insurance than New York by $1,958.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for car insurance cost.
10 Best States — Car Insurance Cost
Lower is better
Vermont
Maine
Idaho
Ohio
Iowa
Indiana
Hawaii
North Carolina
Wisconsin
New Hampshire
New York
Texas
New York ranks 50th and Texas ranks 45th nationally for car insurance cost.
What This Means
New York vs Texas: Car Insurance Cost in context
Texas has a car insurance cost of $2,577/yr, compared with $4,535/yr in New York. Average annual full coverage car insurance premium (WalletHub 2026).
People Also Ask
New York vs Texas Car Insurance Cost — Common Questions
Q What is New York's car insurance cost?
New York's car insurance cost is $4,535/yr.
Q What is Texas's car insurance cost?
Texas's car insurance cost is $2,577/yr.
Q Which state has a lower car insurance cost — New York or Texas?
Texas has cheaper average full coverage car insurance than New York by $1,958.
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Sources: Core demographic data comes from the 2020 U.S. Census, with land area from U.S. Census Bureau TIGER files. Income, housing, affordability, and tax fields are maintained in our comparison dataset; purchasing-power figures use BEA Regional Price Parities. Minimum wage data comes from the U.S. Department of Labor, gas prices from AAA, and electricity rates from the U.S. Energy Information Administration. Political control and election fields use 2024 presidential results together with National Conference of State Legislatures data. Gun-law labels use the Giffords scorecard, alcohol system data comes from NABCA, and marijuana status uses NCSL's state cannabis laws tracker.