New York Car Insurance FAQ - Quick Answers

New York residents pay lower than average rates for car insurance, coming in at $1,013 per year. That is less expensive than the national average of $1,311 annually for auto coverage. To save on premiums, talk with a licensed independent agent. 

The reason for higher costs on car insurance could be a variety of factors. In New York, these can affect your auto coverage premiums:

  • Coverage selected
  • Driving record
  • Value of vehicles insured
  • Number of drivers
  • Age and experience of drivers
  • Your location 
  • Radius in which you travel
  • Number of miles you drive annually

Your New York car insurance policy comes with several options and some mandatory coverages. Here are the most commonly used ones.

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or a garage fire.
  • Collision: Pays to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.

In New York, 6.1% of all drivers are currently uninsured. Uninsured motorist coverage helps pay for your loss if you are involved in a collision with an uninsured driver, and New York is one of the states that requires it.

To find the best car insurance policy for your situation, you'll have to do some shopping. In New York, Stillwater, Travelers, and Safeco insurance companies come highly rated. This is because they are found to have superior claims handling and top-rated coverage options.

Do You Know What Your Car Insurance Covers in New York ?

Find the Best Car Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate per 1,000Annual insurance cost
Mount Vernon36.61.61$1,731
New Rochelle33.30.39$1,512
New York City41.50.66$1,422
White Plains27.40.55$1,407

Bodily Injury Requirements in New York

If you're driving in New York, you'll have to abide by state laws in order to use the roadways. You'll be required to carry the minimum limits of bodily injury liability insurance under your auto policy to be compliant. 

In New York, you must have at least $25,000 per person and $50,000 per accident in bodily injury liability. This coverage pays for the other driver's medical expenses if you're at fault for the accident.

Property Damage Requirements in New York 

Property damage liability is another required coverage in New York. This limit will pay for damage you've caused to someone else's property as a result of an at-fault accident.

Every state has its own guidelines on the amount that needs to be purchased. In New York, you'll need a minimum of $10,000 in property damage liability to comply with local law. 

Medical Payments Coverage Requirements in New York

In some states, you'll need personal injury protection, or PIP, under your auto policy. New York is one of the states that mandates PIP. 

PIP helps pay for your medical expenses when an at-fault accident occurs and you become injured. Unless you have PIP on your policy, you won't have insurance for your injuries. 

Uninsured Motorist Coverage in New York

Uninsured motorist coverage helps pay for your injuries and property damage when an at-fault uninsured driver causes a collision. This limit is a requirement in New York, making it easy to obtain some protection.

Every driver is mandated to have the state minimum limits of car insurance, but not everyone follows these rules. Unfortunately, 6.1% of the New York driving population is currently without insurance, putting you at risk. 


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Optional Car Coverage in New York

When it comes to auto insurance, you'll have mandatory coverages and optional ones. In order to have full protection, collision insurance and comprehensive insurance are necessary. 

These two limits are commonly obtained to protect your insured vehicles from damage when a loss occurs. There are many other options you can discuss with a licensed professional that may make sense for your auto policy. 

Car Insurance Discounts to Consider in New York

Car insurance discounts are available to most insureds. The types of discounts can be discussed with your independent agent. 

In New York, one of the most common ways to cut costs is through a multiple policy discount when you buy more than one type of insurance with the same carrier. Others can include association discounts when you belong to a teachers union, attorney group, or government agency, and savings offered for being a loyal customer.

How to File a Car Insurance Claim in New York

When you're involved in an auto accident, it can be challenging to remember what comes next. To make it easy, follow these simple steps when reporting a car insurance claim in New York.

First, make it to a safe spot and ensure that any injuries are tended to immediately. Second, call your independent insurance agent to file the claim and obtain a claim number. Third, if your car needs repairing, get a rental vehicle when coverage allows. Last, schedule a meeting with your adjuster to assess the damage and injuries for payment.