Quick Takeaways Comparison Table – Who Actually Wins in 2026? Option Base Fare 2026 (est.) Congestion Surcharge Worst-Case Surge Reality Fixed Rate? Insurance & Licensing (TLC) Avg Rating Feb 2026 Notes Yellow Taxi $70 fixed Manhattan $0.75 20% holiday spikes Yes Full TLC coverage ~3/5 Reliable but cash drama; hybrids common; >50% accessible Uber/Lyft $50–80
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