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New York Car Insurance

No matter where you're driving, unexpected events such as accidents, theft or natural disasters can occur. Having high-quality car insurance offers a sense of security and peace of mind whether you're embarking on a scenic journey through the Adirondacks or simply commuting to work in the city. High-quality car insurance ensures that you're financially protected against these unforeseen circumstances, minimizing the potential financial burden on you.

Amica offers customized New York car insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. Instead, take the time to get a customized quote that meets your unique coverage needs.

New York's required auto insurance limits

In New York, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $10,000 per accident 

Bodily injury liability coverage: Provides financial protection for causing bodily harm to others in an auto accident. It includes medical expenses, lost wages, pain and suffering, and rehabilitation costs. If you're sued, your policy may also pay legal defense costs. Coverage is subject to policy limits and exclusions.

Property damage liability coverage: Coverage for damage you cause to someone else's property in an auto accident where you’re at fault. This includes the costs of repairing or replacing the other party's vehicle, as well as any other damaged property, such as fences or other structures. Additionally, your policy may help with legal fees if you’re sued for the property damage you caused. Coverage is subject to certain limitations and exclusions.

In addition to the minimum liability coverage requirements, New York mandates coverages for uninsured motorist bodily injury and personal injury protection (PIP), with the following minimum limits:

  • Uninsured/Underinsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Personal Injury Protection (PIP):
    • $50,000

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you're injured in an accident caused by a driver who’s uninsured or doesn't have enough coverage to pay for your medical bills and other expenses.

Personal injury protection (PIP): This no-fault coverage pays for medical expenses and lost wages if you or your passengers are injured in an accident. This includes necessary medical bills, lost wages, funeral expenses and loss of services.

It's important to understand that these are just the minimum requirements, and New York drivers may choose higher coverage limits for added protection. 

Additional New York car insurance coverage

Opting for additional auto insurance coverage beyond New York-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages New Yorkers might consider:

  • Comprehensive (other than collision): Provides coverage for damage to your vehicle caused by things other than a collision. Includes damage from falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: 24/7 roadside assistance for various issues like changing flat tires, jumping dead batteries, towing your car, unlocking car doors, and getting your car unstuck from mud or snow.
  • Repairing or replacing auto glass: Coverage for repair or replacement of your windshield, windows, and other auto glass, without a deductible.

Understanding rate factors for New York auto insurance

There are several factors that impact auto insurance in New York, including individual circumstances, vehicle type, coverage options, location and more. Here are a few key points to consider:

  • Driving history: Individual driving records are crucial in determining insurance premiums. Drivers with a history of accidents or traffic violations typically face higher rates than those with clean records.
  • Claims in New York: Insurance rates may be affected by the frequency and severity of claims filed within the state. Higher rates of accidents, theft or other incidents could lead to increased premiums for all drivers in New York.
  • Weather patterns in New York: Weather-related incidents can impact insurance rates, particularly for comprehensive coverage that includes protection against weather-related damage. In New York, weather patterns such as heavy snowfall or coastal storms may influence insurance premiums.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore New York car insurance discounts for more savings

Amica offers various auto insurance discounts to help New Yorkers save money on their premiums.1 Here are some ways you can save:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your New York policy premium up front.

If you're a New York driver in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, you can save up to 30% with a multiline discount.

Facts and figures about New York

Fun facts about New York:

  • The Adirondack Park is larger than Yellowstone, Yosemite, Grand Canyon, Glacier and Olympic parks combined.2
  • The Statue of Liberty was given to the U.S. by France in 1884.3
  • Situated on 49 acres, Grand Central Station has 44 platforms and 67 tracks on two levels, making it the largest train station in the world.2

Facts about driving in New York:

  • New York was the first state to require license plates on cars.4
  • The speed limit in New York City is 25 mph unless otherwise posted.5
  • Children must be in a child safety seat or booster seat until their eighth birthday.5

How to get car insurance in New York

We’re here to guide you through the process of personalizing your car insurance in New York. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to New York drivers based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, New York drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 14 Quirky Facts About New York That Sound Made Up, But Are 100% Accurate
3 The Empire State: Fun Facts for New York State Students
4 The Henry Ford: New York License Plate, 1901
5 New York City DOT: Street Safety Tips

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