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Insurance Guide for Car Travelers in New York


Nov 28, 2014
Insurance Guide for Car Travelers in New York

Go through best Innovative and helpful tips that make your auto coverage policy easy to manage and always available, saving you both time and money.

We know living and travelling in New York doesn’t come cheap, but insurance costs don’t need to be through the roof. Simplify your life by choosing a single New York insurance provider for all of your needs. Take advantage of Nationwide’s full range of insurance and financial services products in New York for your home, car, family and financial security. We’ll help you choose the coverage that’s right for you. All residents of the Empire State can benefit from our competitive auto insurance rates, super customer service, and easy-to-use website. Much like the Big Apple, we’re open 24/7 for your convenience. Getting the right car insurance starts with knowing your state insurance requirements. If you’re looking for cheap car insurance in New York, you already know that finding the best deal can be challenging.

NYK Auto insurance

Whether you live in New York City, Oswego, Plattsburg, or somewhere on Long Island, Liberty Mutual rewards your responsible choices with Auto Insurance Discounts that could help you save hundreds of dollars a year. There are lots of cheapest car insurance options for responsible drivers, young drivers, high-mileage drivers and drivers with blemishes on their records, assuming the driver owns a Honda CR-V, the most popular car in New York.

New York has no-fault insurance laws designed to ensure medical care is provided after a car accident as quickly as possible. Personal injury protection (PIP) coverage steps in to help pay for any medical expenses for the driver, passengers, and pedestrians injured by a motor vehicle, regardless of who was at fault.
No-fault coverage doesn’t pay for property damage costs, only medical, and is meant to kick in before your health insurance. In other words, if medical attention is needed after an accident, no-fault coverage would pay first and your health insurance would cover fees after your PIP limits are exceeded. As a plus, if you or a relative living with you is hurt in a car accident anywhere in the U.S. or Canada, your New York no-fault policy has you covered.

Car Insurance Requirements

New York mandates that all registered vehicles in the state carry the following:

  • Liability car insurance.
  • No-fault auto insurance.
  • Uninsured motorist insurance.

As with most states, in order to register and drive your car in New York, the state requires that you have a minimum level of certain types of auto insurance coverage. These include:

  • Bodily Injury to Others: $25,000 per person / $50,000 per accident
  • Accidental Death: $50,000 per person / $100,000 per accident
  • Property Damage Liability: $10,000 per accident

Most people opt for higher amounts of auto insurance coverage than the state minimum in order to protect themselves in case of an accident. To learn more about New York auto insurance minimums, visit the New York Department of Motor Vehicles.

State Farm and American Family Insurance have comparable customer service and claims processing reviews. Both offer discounts for drivers who take defensive driving classes. Car insurance premiums are highly dependent on past accident history, so the best course of action for drivers with imperfect records is to directly contact State Farm and American Family Insurance.

Find the Best Rates

If you want personalized car insurance quotes, you can anonymously use NerdWallet’s car insurance comparison tool. Using NerdWallet’s car insurance tool, you can find how discounts and violations affect your insurance premium. Be sure to check out the New York DMV for more car insurance details.

Coverage that’s personalized for you

Your New York address isn’t just information we file away for correspondence. It also helps shape your coverage.

So when you finish your quote, you can rest assured that:
You’re meeting or exceeding the minimum coverage limits in New York
The package that’s recommended for you reflects any unique needs you have as a New York resident
Then, you can take your New York-specific package and see what this would cost at other car insurance companies—so all of your options are side by side, right in your Progressive quote.

Liability Insurance

Your liability car insurance policy must have the following minimums:

  • $25,000 for injuries to one person.
  • $50,000 for injuries to multiple people.
  • $50,000 for death to one person.
  • $100,000 for death to multiple people.
  • $10,000 for property damage.

Proof of Insurance

Your car insurance company will give you insurance ID cards that can be used as your proof of insurance. When registering your car, you will need to give one of your insurance cards to the DMV. Your other card should be kept in your car. Your car insurance company is required to electronically notify the DMV of your car insurance coverage. When you register your car, the DMV will verify your car insurance with the electronic notice and your insurance card. The DMV will not verify your proof of insurance with just your insurance card.

If a police officer pulls you over and asks for your proof of insurance, you must show your insurance card. Your insurance carrier should provide you with new insurance cards whenever you renew your car insurance policy.

Optional Car Insurance

You have the option of purchasing higher amounts of coverage for the required policy types: liability, no-fault, and uninsured motorist. Plus, you can purchase any of the following optional types of coverage:

  • Collision – This will cover damages to your car after an accident with another car.
  • Comprehensive – This will cover damages to your car that might happen after an incident not involving a car accident, such as vandalism.
  • Medical and funeral services.
  • Towing and labor.

Required coverages

  • The Empire State requires the following minimum coverage limits:
  • Bodily injury and property damage liability
  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per accident
  • $10,000 property damage coverage per accident
  • Personal injury protection (PIP), sometimes called no-fault coverage, of at least $50,000

New York Car Insurance Quotes and Discounts from 21st Century

21st Century offers a variety of car insurance discounts that fit all types of age groups and lifestyles. If you are a New Yorker that has more than one car you may be eligible for 21st’s multi-car discount. Just insure more than one car with 21st Century to qualify for the discount. And if you own your own home, you’re also eligible for a homeowner’s discount from 21st Century. Bill plan discounts are also available.

If you’re a senior New Yorker, you can also save with 21st Century car insurance discounts. Through our mature driver discount, drivers 55 years or older can save on their insurance coverage. In order to qualify, drivers must complete a state-recognized defensive driving course. 21st Century also offers the driver training discount for younger drivers. To qualify, drivers must be under the age of 21 and successfully complete a driver training course. All drivers who complete a state-approved defensive driving course are also eligible for a discount from 21st.

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