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Best Affordable Auto Insurance in New York
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Cheap auto insurance can be found in New York, if you're aware of what you need and if you know what to ask for. Getting multiple free quotes from a variety of insurers is the best way for you to save money. First thing is first, you need to know the requirements for the state of New York. There are three types of coverage that every auto insurance policy must have in order to meet the state standards. Personal-Injury protection which will pay for lost earnings, medical bills, etc. for a driver, passenger, or pedestrian hurt because of an accident you caused. The personal injury coverage must be in the amount of $50,000 for any policy. The next requirement is bodily injury liability and property liability coverage which protect you financially from the injury or death of a person persons, and property damage because of an accident that is your fault. In New York you must meet the minimum coverage of $25,000 for one injured person $50,000 for two or more injured people and $10,000 for property damage. The final requirement is uninsured motorist coverage which protects you in case an uninsured motorist causes you or your vehicle harm from their negligence. Now that you know the major requirements, you can begin shopping for auto insurance. Finding the best and most affordable auto insurance in New York can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in New York. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Empire State.

Understanding New York's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in New York one must understand what coverage they need. New York is a no-fault state that requires Personal Injury Protection (PIP) to be a part of your. A no-fault state allows the person in an accident to receive their money regardless of proof that the accident was somebody's fault. However, living in a no-fault state prevents the injured party from suing for further damages, and if the insurance money is not enough to cover medical expenses, the injured party must come up with the rest of the funds for treatment. In addition New York law requires insurance policies to cover protection from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In New York the minimums are 30/60/25. The numbers are in thousands of dollars.

New York Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 30/60/25
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: Yes
  • Average Liability Cost: $692
  • Average Collision Cost: $330
  • Average Comprehensive Cost: $157
  • Average Cost per Year in New York: $1,047
  • US Average Cost: $795
  • Expense Rank: 4/51

Best New York Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/A 53%
37%
55%
N/A 48%
N/R
65%
N/R
39%
63%
N/A 42%
N/A 55%
N/A N/R
34%
33%
N/R
N/A N/R
35%
N/A N/R
42%
N/R
N/A N/R
N/A 75%
33%
N/R
34%
33%
N/A 42%
N/R
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%