Hard-Working New Yorkers Forced to Pay Nearly Double the National Average for Car Insurance -- $4,031 a Year Compared to $2,400 Nationwide Every family expense – from rent to groceries – would be more manageable if Albany finally addressed the legal system failures driving up costs across New York NEW YORK - Citizens for Affordable Rates (CAR), a coalition of consumers, advocates, and organizations fighting for working families struggling with crushing insurance costs, highlighted the Partnership for New York City 's distressful new report , "Excessive Litigation Is Driving New York's Affordability Crisis," which exposes how legal system abuse and rampant insurance fraud are forcing New York families to pay auto insurance premiums 52% higher than families anywhere else in America. Working families across New York – from immigrant communities in Queens to Latino families in the Bronx , ...