Average New York Rates by City and Borough. Among major cities in the state of New York, the cheapest auto insurance rates can be found in Rochester, where the average annual premium is $1,469 annually ($122 monthly). Brooklyn has the highest average rates of any New York borough or city, followed by New York City as a whole, and then Queens.
www.autoinsurance.com/states/new-york/best-car-insurance/brooklyn/
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