Quick Takeaways Option Base Fare 2026 (est.) Congestion Surcharge Worst-Case Surge Fixed Rate? Insurance/Licensing Avg Rating (Dec 23, 2025) Notes Yellow Taxi $50–$90 $9 Traffic $20–$40 extra No Full TLC Mixed ~3/5 forums Staple but dated; limited eco/accessibility. Uber/Lyft $40–$80 $9 $100+ peaks No Variable TLC ~3/5 complaints App easy; surges brutal; spotty cleanliness. GO
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