New York Car Insurance - Auto Insurance Quote in NY
Finding the highest-rated insurance at the best price through CarInsurance.com is easy in New York, a state with almost 243,000 miles of paved roads that lead from peaceful upstate hills to the hustle and bustle of Gotham.
| Current average car insurance premium in New York | $2,744.22 |
| Current average car insurance premium U.S. | $1,602.16 |
| New York | $2,710.34 |
| Buffalo | $2,064.98 |
| Check out our car insurance rates in more New York cities | |
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New Yorkers do pay more than motorists in the rest of the country. Use CarInsurance.com's Average Premium Trend Tool to see how average insurance premium rates have been trending the past few months.
The biggest city in New York is of course New York City, with more than 8 million residents. Women outnumber males in NYC by about a 52% to 48% margin.
CarInsurance.com is eager to serve the insurance needs of New Yorkers. You'll find more than a dozen quality carriers ready to provide premium quotes and policy information. Let's first take a look at what New York requires motorists to have in terms of insurance protection.
New York state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 UM limits.
Minimum Required Insurance Coverage in New York
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $50,000 Limit
The state of New York follows a No-Fault system, meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a No-Fault system. Details of a no-fault system vary from state to state.
Personal Injury Protection (PIP) helps pay for "reasonable and necessary" medical expenses for you and your passengers. New York state law requires a minimum Personal Injury Protection coverage of $50,000.
To help protect against damages caused to you and your passengers by an uninsured driver, New York state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
For starters, explore the Minimum State Required package at CarInsurance.com. That option will allow you to legally drive in New York. You can also tailor coverage by considering different deductibles and limits. It's up to you. CarInsurance.com agents are happy to be of assistance.
It's time to take the next step and explore your auto insurance options at CarInsurance.com. We're here to make it as simple and rewarding as possible for residents of the great Empire State. Start by visiting the auto insurance quote link and enter your ZIP code.
A car’s theft rate can radically increase its insurance premiums. See what’s on New York thieves’ shopping list:
