New York Car Insurance

New York Auto Insurance
Shopping online for auto insurance in New York is easy when you compare multiple rate quotes. Let OnlineAutoInsurance.com help you find the right carrier for you. Whether you're looking for a great rate, a quality carrier, specific coverage, or a combination of those qualities, we can help.

Get New York Auto Insurance Quotes Online

Due to current economic conditions in NY, we're not able to offer you our usual selection of carriers. But click on a company below for direct quotes online:

seal of NYThere's no need to speak to an agent to get quotes. Just simply provide basic information about drivers and vehicles that will be covered under the policy and be on the way to instant rates.

The state of New York requires vehicles to have certain auto insurance coverage before they can be registered and license plates can be issued, and insurers are required to report the status of all policies as a way to track down uninsured vehicles. Penalties for having an uninsured vehicle can include the suspension of a vehicle registration or drivers license along with penalty fees.
 
New York auto insurance law requires the following coverage as a minimum:
Liability CoverageProtects against any bodily injury or property damage the policyholder is liable for as a result of an automobile accident. The limits required by the state of New York are:
$25,000 for bodily injury coverage per person, or $50,000 for any death, as a result of injury sustained in an automobile accident
$50,000 for bodily injury coverage for multiple people, or $100,000 total coverage as a result of multiple deaths
$10,000 coverage for damage to any vehicle or property
No-Fault-
Personal Injury Protection-
(PIP)
Pays medical expenses and loss of wages for injuries that are the result of a vehicle accident, regardless of fault. This coverage does not provide protection for the insured vehicle’s own damages.
$50,000 bodily injury coverage per person in the policyholder's vehicle, including the driver and passengers, as well as pedestrians injured by the insured vehicle
There are exclusions to this coverage under a few circumstances. This coverage will not provide apply if a person:
  • Is injured as a result of committing a felony or crime
  • Is driving under the influence of drugs or alcohol
  • Receives intentional, self-inflicted injuries
  • Is injured while operating, or as a pedestrian involved in an accident with a motorcycle or ATV
Uninsured MotoristsProtects policyholders and their family or passengers for bodily injury as a result of an accident occurring in New York state in which the person at fault was uninsured or a hit-and-run accident. Uninsured motorist coverage does not provide any protection for the insured vehicle’s own damages.
The limits of uninsured motorist coverage usually are equal to the limits of liability.
  • $25,000 for bodily injury per person
  • $50,000 total for bodily injury per accident
  • $50,000 per person in case of death
  • $100,000 total for multiple deaths

What Determines NY Car Insurance Rates?

Car insurance rates vary widely from one driver to another due to the factors used to determine rates. Driver age, driving record, marital status, vehicle garaging address, and vehicle information—such as make and model, type, and frequency of use—are among the many factors used to determine rates.

Because a driver’s rates can vary so much, it is important to compare NY auto insurance rates from various companies in order to find the carrier that will provide the lowest rates for the coverage needed.

Insurers compete among many other companies licensed to provide coverage in NY for consumers' business. Even the New York Insurance Department suggests obtaining several auto insurance quotes from various carriers in order to find the best value of coverage for the money.

That is why OnlineAutoInsurance.com helps shoppers find multiple car insurance rates with one simple process. New Yorkers have the ability to compare carriers based on price, quality, brand, claims practices, reliability, service, coverage provided, and more.

Buying New York Auto Insurance Online

The state of New York provides tips on buying auto insurance on the Internet and recognizes that online auto insurance is becoming a popular way of shopping.

Here are a few tips for shopping online:
  • Be aware of the product and coverage being provided.
  • Decide which coverage is needed in order to compare quotes and make an educated choice.
  • Make sure the company is licensed to sell in New York state.
  • When obtaining quotes, answer all questions accurately and completely to ensure an accurate rate.
  • Have all information available on the vehicle, any prior insurance policy, and driving record.
  • Do research in order to ensure the source is a reliable one.
New York Auto Insurance Articles
Finding New York Auto Insurance Online

Questions about New York Car Insurance

  • How Do New York Car Insurance Surcharges Work?

    Picture of New York CityThe length of time that car insurance companies will surcharge motorists depends on the reason they're being surcharged. Surcharges are usually applied for around three years, but if the reason is a serious offense, it could apply for longer. According to...

  • Will My NY Insurance Cover a Rented Auto?

    New York state license plateDrivers in the Empire State who carry automobile policies will have their bodily injury liability, property damage liability, and no-fault coverage transfer over to the rental vehicle. But their coverages will only kick in on an excess basis. State law requires rental companies to...

  • What Is the New York Point and Insurance Reduction Program?

    The Statue of Liberty and New York skylineThe NY Point and Insurance Reduction Program (PIRP) consists of courses designed to help New York state motorists better their driving knowledge, reduce the number of points on their driving record, and potentially receive discounts from insurers. In PIRP classes, motorists...

New York Auto Insurance News

  • Nationwide Begins Selling Auto Insurance in New Jersey This Month

    August 1, 2014 - This month, New Jersey drivers get one more option when they shop for auto insurance. August brings Nationwide to the Garden State, the New Jersey Department of Banking and Insurance (NJDOBI) announced in a press release. Marketing for auto policies from the insurance company will be handled by agents in New York, Pennsylvania ...

  • NY Gov. Announces Crackdown on No-Fault Car Insurance Fraud

    January 23, 2014 - New York's insurance regulator would be allowed to randomly audit and inspect medical practices suspected of fraudulently billing the state's no-fault car insurance system under a new budget proposal from Gov. Andrew Cuomo. Gov. Cuomo said expanding investigatory and enforcement powers for the Department of Financial Services ...

  • NICB: Car Insurance Leads Iffy Claim Figures in Tex., NY, NJ

    December 18, 2013 - Personal auto insurance was the line of coverage that generated the most questionable claims (QCs) in Texas, New York and New Jersey between 2010 and 2012, according to three more state-specific reports on QCs that the National Insurance Crime Bureau (NICB) released Wednesday. According to the NICB, which receives QCs from ...

Articles on Insurance in New york

  • A Year Later: New York Insurance Group Talks Sandy's Impact

    October 28, 2013 - It wasn't just wind and rain that Sandy sent New York's way. The disaster dumped hundreds of thousands of claims on the state's insurers. Cassandra Anderson, associate vice president for the New York Insurance Association, said the 442,000 claims New York insurers were asked to respond to was "an unprecedented" number...

  • Texting Tickets and New York Insurance Premiums

    Jul 20, 2012 - Last week, Gov. Andrew Cuomo's office announced that there had been a 360 percent increase in the amount of texting-while-driving tickets issued in the state of New York in...

  • Evaluate New York Auto Insurance Companies

    Jan 10, 2012 - Financial responsibility requirements in New York make it mandatory for motorists to purchase auto insurance before being legally allowed to drive. Vehicle owners are encouraged to extensively shop around before...