Compare car insurance quotes from several top insurance companies and find the cheapest auto insurance rates in the state of New York in less than 5 minutes. Let CheapQuotesCarInsurance.com teach you everything you need to know about buying affordable auto insurance that fits your budget and your lifestyle. Learn about New York minimum car insurance requirements and how the cost of auto insurance in New York compares to the cost of auto insurance in other states. We offer top online car insurance comparison tools for New York residents. Car insurance rates change every year, so be sure to view quotes from at least two insurance companies and lower your car insurance premiums today.

New York Minimum Car Insurance Requirements:

New York state law requires that car insurance policies must include a minimum bodily injury liability coverage limit of $25,000 for one person in an accident and $50,000 for all persons injured per accident. The minimum property damage liability coverage limit is $10,000. These minimum coverage limits for New York are more commonly listed as 25/50/10. New York also requires motorists to carry minimum Personal Injury Protection coverage of $50,000. New York requires Uninsured/Underinsured Motorist coverage with minimum limits of $25,000 for one person in an accident and $50,000 for all persons injured per accident for any bodily injury caused by an uninsured or underinsured driver.

New York’s Most Common Car Insurance Coverage

The cheapest New York auto insurance policies will only meet the minimum state requirements for insurance coverage, but many customers will want and need more insurance coverage including: coverage for collision, medical payments, and comprehensive coverage. Discover which coverage is best for you.

New York Auto Insurance Laws

New York is a no-fault state. This means that each person’s insurance company covers their medical, lost wages, and funeral expenses that result from an accident regardless of who was at fault. There are exceptions to no-fault. If medical expenses exceed a certain amount, the at-fault driver will be responsible for paying for the damages. No-fault does not usually apply to property damage, so you may collect expenses either from your own insurance company or the other driver’s insurance company if the other driver is at fault.

Average cost of Car Insurance in New York

The National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (I.I.I.) provide data about car insurance premiums for all 50 states. New York residents spend an average of $1047 per year for car insurance (liability coverage). New York ranks as the 48th cheapest state to buy auto insurance. The national average is $811 per year for car insurance (liability coverage). In 2010, New York car insurance premiums have decreased slightly compared to 2009. Now is the time to compare auto insurance rates from multiple providers to lower your car insurance premiums.

We offer local car insurance quotes available in all of New York including:
Albany
Bronx
Brooklyn
Buffalo
Cheektowaga
Long Island
Manhattan
Mount Vernon
New Rochelle
New York City
Queens
Rochester
Schenectady
Syracuse
Yonkers

Insurance companies weigh the factors that affect your car insurance rates differently so everyone’s rates will be different for each company. Smart auto insurance shoppers will compare quotes from several car insurance companies to find the cheapest car insurance quote possible. CheapQuotesCarInsurance.com has partnered with top insurance companies like Geico, Nationwide, AllState, Esurance, Liberty Mutual, and Travelers to provide our customers with affordable quotes from highly reputable insurance providers. Enter your zip code and answer several general questions about your driving history to compare New York auto insurance rates and save money on your auto insurance premiums.

To contact New York’s department of Insurance:

ins.state.ny.us

Street Address
25 Beaver Street
New York, NY 10004-2319

Phone number
(212) 480-6400