New York Car Insurance


Like other states in United States of America, New York has its own car insurance rules and regulations. These laws are there to protect drivers on the road. It is illegal to drive without car insurance in New York. Every driver needs safe, reliable and low-cost auto insurance while driving on New York roads. On average, New York is one of the more expensive states to insure an automobile thanks to the large population and moderate vehicle theft and crash rates. Do you want to learn how insurancemozo.com can save you money on your auto insurance in New York? At insurancemozo.com we are experts on the New York car insurance environment. We understand the value of important information necessary to find the Best New York Car Insurance for you. The below information will help you find the cheapest auto insurance rates in New York.

What are the minimum New York Car Insurance Requirements?

In terms of car insurance, Liability insurance usually includes two types of coverage – property damage liability insurance and bodily injury liability insurance.

The state minimums for liability insurance in the state of New York are:

$25,000 per person / 50,000 per accident for injury
$50,000 per person / 100,000 per accident for death
$10,000 for property damage caused by any one accident
$50,000 for basic no-fault insurance
$25,000 per person / 50,000 per accident for uninsured/underinsured motorist
As you can see, these limits are quite low and you should always consider more coverage than state minimums.

Is New York No Fault State?

The state of New York follows what they call a “no fault” system. This means that if you are involved in an accident, your insurance company will pay for any damages to you, regardless of who is at fault. Simply put, if you get into a car accident in New York, your insurance covers you and the other person’s insurance covers them.

In the state of New York, you must carry $50,000 minimum in basic no-fault insurance coverage. These no fault laws make it illegal for New York drivers to drive without insurance or even have somebody else drive their vehicle without insurance. Penalties for doing can include license suspension, loss of vehicle registration, fines, and/or tickets.

Should I buy Uninsured/Underinsured Motorist (UM/UIM ) protection in New York ?

Suppose you carry certain car insurance policy and suddenly meet an accident in New York. Now what will happen if the other party doesn’t carry car insurance policy? Who will pay for the claims of uninsured party? To cover up such circumstances UM/UIM car insurance protection is there.

Without UM/UIM car insurance protection if you are involved in an accident with somebody who has inadequate insurance you will have to pay all the charges. On the other hand having this car insurance protection means that your insurer will pay all the charges. In New York it is compulsory for all drivers to have this car insurance. Uninsured/Underinsured Motorist Coverage is required by law in the state of New York in the amount of $25,000 per person or $50,000 per accident for bodily injury.

What kind of Penalties for driving without insurance in New York?

As stated above, automobile insurance is required by law in New York state. Your insurance company will issue you an identification card that you shall carry with you at all times. If your coverage ends at any time for any reason (payment lapse, etc), your insurance provider is required by law to notify the state.

If you are caught operating an uninsured automobile or if you allow another person to drive your uninsured automobile, your license will be revoked for at least one year. This penalty also applies in the case you are involved in an accident without insurance. In addition to license suspensions, monetary fines and even jail time are given to those caught driving without insurance.

What kinds of car insurance discounts are available in New York ?

It is expensive to insure an automobile in New York as compared to other states. However that doesn’t mean that there aren’t some ways that can save some money and bring those insurance costs down. insurancemozo.com helps you to reduce insurance premiums and get the maximum discounts possible .

There are various discounts available in New York such as Bundle Discount, where person bundles multiple cars, home, life and other insurances from same insurer,Safe driver discount,Safety equipment discounts , when your car has some security alarm or gps tracking device, new car discount , etc.

Try to leverage any demographic discounts that your car insurance company might offer, including those related to age, marital status, being a student and more. Every insurer has a variety of discounts and rebates that they don’t advertise heavily, which means it becomes customer’s responsibility to find these discounts and take advantage of them. Please review several discounts available here and ask insurance provider at the time of insurance if you can qualify for one.

How do I get a best Car Insurance Quote in New York?

Your best option to find the most affordable car insurance coverage in New York is to always start an auto insurance quote comparison search online. Just enter your ZIP code above to get FREE auto insurance quotes today.

Note – We are not in any way contacted with the New York Department Of Insurance. If you are unsure of any law or regulation stated on this page, please contact them.

New York Dept. of Insurance

25 Beaver St.

New York, NY 10004

Phone: 1-212-480-6400

Web Site: http://www.dfs.ny.gov/

Car insurance agents in New York

Select your city from the list below to find local agents in your city:



-   Akron Car Insurance Agents
-   Albany Car Insurance Agents
-   Albertson Car Insurance Agents
-   Albion Car Insurance Agents
-   Alexander Car Insurance Agents
-   Amityville Car Insurance Agents
-   Amsterdam Car Insurance Agents
-   Ardsley Car Insurance Agents
-   Armonk Car Insurance Agents
-   Astoria Car Insurance Agents
-   Attica Car Insurance Agents
-   Auburn Car Insurance Agents
-   Avoca Car Insurance Agents
-   Babylon Car Insurance Agents
-   Baldwin Car Insurance Agents
-   Baldwinsville Car Insurance Agents
-   Ballston Spa Car Insurance Agents
-   Batavia Car Insurance Agents
-   Bath Car Insurance Agents
-   Bay Shore Car Insurance Agents
-   Bayside Car Insurance Agents
-   Beacon Car Insurance Agents
-   Bedford Hills Car Insurance Agents
-   Bellerose Car Insurance Agents
-   Bellmore Car Insurance Agents
-   Bethpage Car Insurance Agents
-   Binghamton Car Insurance Agents
-   Blauvelt Car Insurance Agents
-   Blue Point Car Insurance Agents
-   Boonville Car Insurance Agents
-   Brentwood Car Insurance Agents
-   Brewster Car Insurance Agents
-   Briarcliff Manor Car Insurance Agents
-   Bridgehampton Car Insurance Agents
-   Brightwaters Car Insurance Agents
-   Broadalbin Car Insurance Agents
-   Brockport Car Insurance Agents
-   Bronx Car Insurance Agents
-   Bronxville Car Insurance Agents
-   Brookhaven Car Insurance Agents
-   Brooklyn Car Insurance Agents
-   Buffalo Car Insurance Agents
-   Burnt Hills Car Insurance Agents
-   Cambria Heights Car Insurance Agents
-   Camillus Car Insurance Agents
-   Canandaigua Car Insurance Agents
-   Canton Car Insurance Agents
-   Carle Place Car Insurance Agents
-   Carmel Car Insurance Agents
-   Carthage Car Insurance Agents
-   Castleton-on-Hudson Car Insurance Agents
-   Catskill Car Insurance Agents
-   Centereach Car Insurance Agents
-   Centerport Car Insurance Agents
-   Central Islip Car Insurance Agents
-   Central Valley Car Insurance Agents
-   Champlain Car Insurance Agents
-   Chazy Car Insurance Agents
-   Cheektowaga Car Insurance Agents
-   Chester Car Insurance Agents
-   Chestnut Ridge Car Insurance Agents
-   Chittenango Car Insurance Agents
-   Cicero Car Insurance Agents
-   Clarence Car Insurance Agents
-   Clark Mills Car Insurance Agents
-   Clifton Park Car Insurance Agents
-   Clifton Springs Car Insurance Agents
-   Clinton Car Insurance Agents
-   Cobleskill Car Insurance Agents
-   College Point Car Insurance Agents
-   Commack Car Insurance Agents
-   Congers Car Insurance Agents
-   Coram Car Insurance Agents
-   Corning Car Insurance Agents
-   Cornwall Car Insurance Agents
-   Corona Car Insurance Agents
-   Cortland Car Insurance Agents
-   Cortlandt Manor Car Insurance Agents
-   Croghan Car Insurance Agents
-   Cross River Car Insurance Agents
-   Croton-on-Hudson Car Insurance Agents
-   Cuba Car Insurance Agents
-   Dansville Car Insurance Agents
-   Deer Park Car Insurance Agents
-   Delmar Car Insurance Agents
-   Denmark Car Insurance Agents
-   Depew Car Insurance Agents
-   Dobbs Ferry Car Insurance Agents
-   Dundee Car Insurance Agents
-   Eagle Bridge Car Insurance Agents
-   East Amherst Car Insurance Agents
-   East Aurora Car Insurance Agents
-   East Elmhurst Car Insurance Agents
-   East Islip Car Insurance Agents
-   East Meadow Car Insurance Agents
-   East Northport Car Insurance Agents
-   East Norwich Car Insurance Agents
-   East Rockaway Car Insurance Agents
-   East Setauket Car Insurance Agents
-   East Syracuse Car Insurance Agents
-   Eastchester Car Insurance Agents
-   Elbridge Car Insurance Agents
-   Ellenville Car Insurance Agents
-   Elma Car Insurance Agents
-   Elmhurst Car Insurance Agents
-   Elmira Car Insurance Agents
-   Elmont Car Insurance Agents
-   Endicott Car Insurance Agents
-   Evans Mills Car Insurance Agents
-   Fairport Car Insurance Agents
-   Farmingdale Car Insurance Agents
-   Farmingville Car Insurance Agents
-   Fishkill Car Insurance Agents
-   Floral Park Car Insurance Agents
-   Flushing Car Insurance Agents
-   Forest Hills Car Insurance Agents
-   Franklin Square Car Insurance Agents
-   Freeport Car Insurance Agents
-   Fresh Meadows Car Insurance Agents
-   Friendship Car Insurance Agents
-   Fulton Car Insurance Agents
-   Fultonville Car Insurance Agents
-   Garden City Car Insurance Agents
-   Garnerville Car Insurance Agents
-   Geneseo Car Insurance Agents
-   Geneva Car Insurance Agents
-   Getzville Car Insurance Agents
-   Glen Cove Car Insurance Agents
-   Glen Head Car Insurance Agents
-   Glen Oaks Car Insurance Agents
-   Glendale Car Insurance Agents
-   Glens Falls Car Insurance Agents
-   Gloversville Car Insurance Agents
-   Goshen Car Insurance Agents
-   Gouverneur Car Insurance Agents
-   Gowanda Car Insurance Agents
-   Great Neck Car Insurance Agents
-   Greece Car Insurance Agents
-   Greene Car Insurance Agents
-   Greenport Car Insurance Agents
-   Greenvale Car Insurance Agents
-   Greenville Car Insurance Agents
-   Greenwich Car Insurance Agents
-   Greenwood Lake Car Insurance Agents
-   Hamburg Car Insurance Agents
-   Hamlin Car Insurance Agents
-   Hammondsport Car Insurance Agents
-   Harrison Car Insurance Agents
-   Hartsdale Car Insurance Agents
-   Hastings-on-Hudson Car Insurance Agents
-   Hauppauge Car Insurance Agents
-   Haverstraw Car Insurance Agents
-   Hempstead Car Insurance Agents
-   Henrietta Car Insurance Agents
-   Heuvelton Car Insurance Agents
-   Hewlett Car Insurance Agents
-   Hicksville Car Insurance Agents
-   Highland Car Insurance Agents
-   Highland Mills Car Insurance Agents
-   Holbrook Car Insurance Agents
-   Holley Car Insurance Agents
-   Hollis Car Insurance Agents
-   Holtsville Car Insurance Agents
-   Honeoye Falls Car Insurance Agents
-   Hoosick Falls Car Insurance Agents
-   Hopewell Junction Car Insurance Agents
-   Hornell Car Insurance Agents
-   Horseheads Car Insurance Agents
-   Hudson Car Insurance Agents
-   Hudson Falls Car Insurance Agents
-   Huntington Car Insurance Agents
-   Huntington Station Car Insurance Agents
-   Inwood Car Insurance Agents
-   Irvington Car Insurance Agents
-   Island Park Car Insurance Agents
-   Islandia Car Insurance Agents
-   Islip Car Insurance Agents
-   Islip Terrace Car Insurance Agents
-   Ithaca Car Insurance Agents
-   Jackson Heights Car Insurance Agents
-   Jamaica Car Insurance Agents
-   Jamestown Car Insurance Agents
-   Jefferson Valley Car Insurance Agents
-   Jericho Car Insurance Agents
-   Johnson City Car Insurance Agents
-   Johnstown Car Insurance Agents
-   Katonah Car Insurance Agents
-   Kew Gardens Car Insurance Agents
-   King Ferry Car Insurance Agents
-   Kings Park Car Insurance Agents
-   Kingston Car Insurance Agents
-   Lake Grove Car Insurance Agents
-   Lake Ronkonkoma Car Insurance Agents
-   Lakeville Car Insurance Agents
-   Lakewood Car Insurance Agents
-   Lancaster Car Insurance Agents
-   Larchmont Car Insurance Agents
-   Latham Car Insurance Agents
-   Laurelton Car Insurance Agents
-   Lawrence Car Insurance Agents
-   Lebanon Springs Car Insurance Agents
-   Leeds Car Insurance Agents
-   Levittown Car Insurance Agents
-   Lindenhurst Car Insurance Agents
-   Little Neck Car Insurance Agents
-   Liverpool Car Insurance Agents
-   Lockport Car Insurance Agents
-   Long Beach Car Insurance Agents
-   Long Island City Car Insurance Agents
-   Lynbrook Car Insurance Agents
-   Macedon Car Insurance Agents
-   Madison Car Insurance Agents
-   Mahopac Car Insurance Agents
-   Malverne Car Insurance Agents
-   Mamaroneck Car Insurance Agents
-   Manhasset Car Insurance Agents
-   Maspeth Car Insurance Agents
-   Massapequa Car Insurance Agents
-   Massapequa Park Car Insurance Agents
-   Massena Car Insurance Agents
-   Mattituck Car Insurance Agents
-   Medford Car Insurance Agents
-   Medina Car Insurance Agents
-   Medusa Car Insurance Agents
-   Melville Car Insurance Agents
-   Merrick Car Insurance Agents
-   Middle Village Car Insurance Agents
-   Middleport Car Insurance Agents
-   Middletown Car Insurance Agents
-   Millerton Car Insurance Agents
-   Mineola Car Insurance Agents
-   Mohegan Lake Car Insurance Agents
-   Monroe Car Insurance Agents
-   Monsey Car Insurance Agents
-   Montauk Car Insurance Agents
-   Montgomery Car Insurance Agents
-   Monticello Car Insurance Agents
-   Moravia Car Insurance Agents
-   Morris Car Insurance Agents
-   Mt Kisco Car Insurance Agents
-   Mt Vernon Car Insurance Agents
-   N Baldwin Car Insurance Agents
-   Nanuet Car Insurance Agents
-   Napanoch Car Insurance Agents
-   Naples Car Insurance Agents
-   New Berlin Car Insurance Agents
-   New City Car Insurance Agents
-   New Hampton Car Insurance Agents
-   New Hartford Car Insurance Agents
-   New Hyde Park Car Insurance Agents
-   New Paltz Car Insurance Agents
-   New Rochelle Car Insurance Agents
-   New Windsor Car Insurance Agents
-   New York Car Insurance Agents
-   Newark Car Insurance Agents
-   Newark Valley Car Insurance Agents
-   Newburgh Car Insurance Agents
-   Niagara Falls Car Insurance Agents
-   North Babylon Car Insurance Agents
-   North Bellmore Car Insurance Agents
-   North Chili Car Insurance Agents
-   North Massapequa Car Insurance Agents
-   North Merrick Car Insurance Agents
-   North Syracuse Car Insurance Agents
-   North Tonawanda Car Insurance Agents
-   Northport Car Insurance Agents
-   Northwest Harbor Car Insurance Agents
-   Norwich Car Insurance Agents
-   Nyack Car Insurance Agents
-   Oakdale Car Insurance Agents
-   Oakland Gardens Car Insurance Agents
-   Oceanside Car Insurance Agents
-   Ogdensburg Car Insurance Agents
-   Old Bethpage Car Insurance Agents
-   Old Forge Car Insurance Agents
-   Olean Car Insurance Agents
-   Oneida Car Insurance Agents
-   Oneonta Car Insurance Agents
-   Orangeburg Car Insurance Agents
-   Orchard Park Car Insurance Agents
-   Oriskany Falls Car Insurance Agents
-   Ossining Car Insurance Agents
-   Oswego Car Insurance Agents
-   Owego Car Insurance Agents
-   Oyster Bay Car Insurance Agents
-   Ozone Park Car Insurance Agents
-   Painted Post Car Insurance Agents
-   Palatine Bridge Car Insurance Agents
-   Palmyra Car Insurance Agents
-   Patchogue Car Insurance Agents
-   Patterson Car Insurance Agents
-   Pearl River Car Insurance Agents
-   PECK SLIP Car Insurance Agents
-   Peekskill Car Insurance Agents
-   Pelham Car Insurance Agents
-   Penfield Car Insurance Agents
-   Pine Bush Car Insurance Agents
-   Pittsford Car Insurance Agents
-   Plainview Car Insurance Agents
-   Plattsburgh Car Insurance Agents
-   Pleasant Valley Car Insurance Agents
-   Pleasantville Car Insurance Agents
-   Pomona Car Insurance Agents
-   Port Ewen Car Insurance Agents
-   Port Jefferson Station Car Insurance Agents
-   Port Jervis Car Insurance Agents
-   Port Washington Car Insurance Agents
-   Poughkeepsie Car Insurance Agents
-   Queens Car Insurance Agents
-   Queens Village Car Insurance Agents
-   Queensbury Car Insurance Agents
-   Randolph Car Insurance Agents
-   Ravena Car Insurance Agents
-   Rego Park Car Insurance Agents
-   Rensselaer Car Insurance Agents
-   Richfield Springs Car Insurance Agents
-   Richmond Hill Car Insurance Agents
-   Ridgewood Car Insurance Agents
-   Riverhead Car Insurance Agents
-   Rochester Car Insurance Agents
-   Rockaway Park Car Insurance Agents
-   Rockville Centre Car Insurance Agents
-   Rocky Point Car Insurance Agents
-   Rome Car Insurance Agents
-   Romulus Car Insurance Agents
-   Ronkonkoma Car Insurance Agents
-   Rosedale Car Insurance Agents
-   Rosendale Car Insurance Agents
-   Roslyn Heights Car Insurance Agents
-   Rouses Point Car Insurance Agents
-   Rye Car Insurance Agents
-   Rye Brook Car Insurance Agents
-   Sag Harbor Car Insurance Agents
-   Salamanca Car Insurance Agents
-   Sanborn Car Insurance Agents
-   Sandy Creek Car Insurance Agents
-   Saratoga Springs Car Insurance Agents
-   Saugerties Car Insurance Agents
-   Sayville Car Insurance Agents
-   Scarsdale Car Insurance Agents
-   Schenectady Car Insurance Agents
-   Sea Cliff Car Insurance Agents
-   Seaford Car Insurance Agents
-   Selden Car Insurance Agents
-   Seneca Falls Car Insurance Agents
-   Shirley Car Insurance Agents
-   Shrub Oak Car Insurance Agents
-   Silver Creek Car Insurance Agents
-   Skaneateles Car Insurance Agents
-   Slate Hill Car Insurance Agents
-   Slingerlands Car Insurance Agents
-   Smithtown Car Insurance Agents
-   Somers Car Insurance Agents
-   South Hempstead Car Insurance Agents
-   South Ozone Park Car Insurance Agents
-   South Richmond Hill Car Insurance Agents
-   Southampton Car Insurance Agents
-   Southold Car Insurance Agents
-   Sparkill Car Insurance Agents
-   Spencerport Car Insurance Agents
-   Spring Valley Car Insurance Agents
-   Springfield Gardens Car Insurance Agents
-   Springville Car Insurance Agents
-   St Albans Car Insurance Agents
-   St James Car Insurance Agents
-   Staten Island Car Insurance Agents
-   Stony Point Car Insurance Agents
-   Suffern Car Insurance Agents
-   Sunnyside Car Insurance Agents
-   Syosset Car Insurance Agents
-   Syracuse Car Insurance Agents
-   Tappan Car Insurance Agents
-   Tarrytown Car Insurance Agents
-   Tonawanda Car Insurance Agents
-   Trumansburg Car Insurance Agents
-   Turin Car Insurance Agents
-   Uniondale Car Insurance Agents
-   Utica Car Insurance Agents
-   Valhalla Car Insurance Agents
-   Valley Cottage Car Insurance Agents
-   Valley Falls Car Insurance Agents
-   Valley Stream Car Insurance Agents
-   Vestal Car Insurance Agents
-   Victor Car Insurance Agents
-   Wainscott Car Insurance Agents
-   Walden Car Insurance Agents
-   Wallkill Car Insurance Agents
-   Walworth Car Insurance Agents
-   Wantagh Car Insurance Agents
-   Wappinger Car Insurance Agents
-   Wappingers Falls Car Insurance Agents
-   Warsaw Car Insurance Agents
-   Warwick Car Insurance Agents
-   Washingtonville Car Insurance Agents
-   Waterloo Car Insurance Agents
-   Watertown Car Insurance Agents
-   Wayland Car Insurance Agents
-   Webster Car Insurance Agents
-   Wellsville Car Insurance Agents
-   West Babylon Car Insurance Agents
-   West Hempstead Car Insurance Agents
-   West Hurley Car Insurance Agents
-   West Islip Car Insurance Agents
-   West Seneca Car Insurance Agents
-   Westbury Car Insurance Agents
-   Westtown Car Insurance Agents
-   White Plains Car Insurance Agents
-   Whitehall Car Insurance Agents
-   Whitesboro Car Insurance Agents
-   Whitestone Car Insurance Agents
-   Williamsville Car Insurance Agents
-   Williston Park Car Insurance Agents
-   Willsboro Car Insurance Agents
-   Wilton Car Insurance Agents
-   Wolcott Car Insurance Agents
-   Woodhaven Car Insurance Agents
-   Woodmere Car Insurance Agents
-   Woodside Car Insurance Agents
-   Wyandanch Car Insurance Agents
-   Yonkers Car Insurance Agents
-   Yorkshire Car Insurance Agents
-   Yorktown Heights Car Insurance Agents
-   Yorkville Car Insurance Agents