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

There'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 Coverage

Protects 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 an 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)

Protects 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.

  • $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 Motorists

Protects 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.