McKayla Girardin, Car Insurance Writer
@mckayla_girardin
You can get car insurance in New York by comparing quotes from both national and local insurance companies to find the best deal, then purchasing coverage online, by phone or in person. In New York, liability insurance, uninsured motorist coverage and personal injury protection are required for all drivers.
7 Steps to Get Car Insurance in New York
1. Gather vehicle and driver details
You’ll need to have information about yourself and any other drivers you want on your policy, including driver names, addresses, and driver’s license numbers. You will also need details about the vehicles you’d like to insure, such as vehicle makes and models, VINs, and mileage.
2. Decide how you want to purchase insurance
Most insurance companies allow you to purchase car insurance online. You can also purchase it over the phone or in person through a company’s dedicated agent or through an independent insurance broker. Purchasing through an agent or broker instead of online may be better for people who are less tech-savvy and want to have a person walk them through the available options.
3. Look into the required types of insurance in New York
In New York, drivers must have at least a minimum amount of bodily injury liability, property damage liability, uninsured motorist coverage and personal injury protection.
| Type of Coverage | Required Limits |
| Bodily injury liability per person | $25,000 |
| Bodily injury liability per accident | $50,000 |
| Property damage liability | $10,000 |
| Uninsured motorist | $25,000 bodily injury per person ($50,000 per accident) |
| Personal injury protection | $1,000 |
4. Consider additional types of coverage
You should look into optional types of coverage, like collision and comprehensive. While they aren’t required by state law, lenders and lessors will often require financed vehicles to carry collision and comprehensive insurance, and these types of coverage can help protect your finances.
5. Compare quotes
Comparing prices from several different companies is the best way to make sure you’re getting the best deal.
Cheapest Car Insurance Companies in New York
| Company | Average Cost |
| $1,252 per year | |
| $1,394 per year | |
| $1,543 per year | |
| $1,641 per year | |
| $1,653 per year |
6. Check for discounts
Always make sure you’re taking advantage of every discount available.
7. Pay for your policy
You’ll need to figure out whether you’d rather pay monthly or pay in full up front. Most companies offer a slight discount for paying up front. When choosing a specific policy, you’ll also need to pick deductibles for certain types of coverage, like comprehensive and collision.
To learn more, check out WalletHub’s guide to getting car insurance.
People also ask
How much is car insurance in New York per month?
Car insurance in New York costs $143 per month or $1,719 per year for minimum coverage, on average. The cheapest car insurance companies in New York are USAA, Nodak Mutual, and North Star, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in New York is 43% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for...
read full answerHow does car insurance work in New York?
New York is a no-fault state, which means that drivers get coverage for car accident injuries from their own insurer without the need to determine who caused the accident. Policies in no-fault states must include personal injury protection (PIP). New York also requires uninsured motorist protection, which replaces the liability coverage another driver should have had and pays for your costs up to your policy limits.
Drivers in New York are required to carry at least $25,000 in bodily injury liability insurance per person, up to $50,000 per accident, and $10,000 in property damage liability insurance. When an insured driver is responsible for an accident, liability insurance covers the other driver’s expenses.
On average, state minimum coverage costs $3,052 per year in New York, but there are many factors that can affect how much you pay for a policy. Any coverage above and beyond what is required by New York law is optional, but it’s usually worth the money to get some additional protection. The biggest reason is that state minimum coverage doesn’t protect your personal vehicle. For insurance to pay for damage to your car, you’ll need full coverage.
In New York, full coverage refers to a policy that includes collision and comprehensive, plus higher coverage limits than what is required by state law. Full coverage car insurance costs about $7,502 per year in New York. There may be cases when you don’t need full coverage insurance, but New York drivers should buy as much coverage as they can afford as a general rule.
Most policies offer coverage for six months to one year at a time and can be paid in a variety of ways, including monthly payments. The best car insurance companies in New York balance affordability with quality coverage and strong customer service. You can easily get a quote from top companies like State Farm, Travelers, Allstate, New York Central Mutual and MetLife online or over the phone, or use WalletHub’s comparison tools to find the best car insurance policy for your needs.
read full answerWhat is full coverage insurance in New York?
Full coverage insurance in New York is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $25,000 in bodily injury coverage per person, up to $50,000 per accident, and $10,000 in property damage coverage. Full coverage in New York also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $4,535 per year in New York, while a state minimum policy costs $1,719 per year.
If you can’t afford...
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