New York Auto Insurance

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Whether you’re looking for cheap auto insurance in New York City’s many Burroughs like the Bronx, Queens or Long Island, or you’re searching for your upstate vehicle in Rochester, Buffalo, Syracuse, Binghamton or other amazing cities in the Empire State, everyone must maintain state minimum New York auto insurance coverage to drive on the roads.

As a New Yorker, debating which sports teams are your favorite may get hasty. But whether you’re a fan of the Jets or Giants, Rangers or Islanders, Knicks or the Nets, you can all agree on the fact that finding cheap auto insurance in New York is a must.

At Clovered, we’ve partnered with the best auto insurance companies in New York, such as Progressive and Travelers, so we can always bring you a great policy at an even better price!

New York Auto Insurance Requirements

With all the rush hour traffic on the city streets and bridges, packed interstates and plethora of out-of-town passers-by, it seems that the roads of New York are never empty. With all those cars comes more accidents, and that’s why the state has enacted high state minimums.

  • Bodily Injury: $25,000 per person, $50,000 per accident
  • Property Damage: $10,000 per accident
  • Uninsured Motorist: $25,000 per person, $50,000 per accident
  • Underinsured Motorist: $25,000 per person, $50,000 per accident
  • Personal Injury Protection: $50,000

What Does New York Auto Insurance Cover?

Property Damage Liability

This coverage helps pay to repair the damage you directly cause to another person’s vehicle or their property if you’re at fault. It’s required by law in most states.

Collision Coverage

This coverage helps pay to repair damage to your vehicle if you’re at fault in an accident that involves another vehicle or piece of property. It’s required if you’re financing or leasing your vehicle.

Comprehensive Coverage

This coverage helps pay to repair or replace your vehicle if it was stolen or damaged by something other than a collision, like a hailstorm, tree, fire or vandalism.

Bodily Injury Liability

If you’re at fault in an accident that injures a passenger of another car or pedestrian, this coverage will help to pay their medical bills, legal fees and loss of income.

Personal Injury Protection

Whether you’re at fault or not in an accident, personal injury protection (PIP) is a no-fault coverage that helps to pay for you and your passenger’s medical bills. Some states make this coverage mandatory.

Medical Payments

This is similar to PIP coverage in that it may help to pay for the medical bills of you and your passenger if you’re involved in an accident, whether you’re at fault or not. It’s different because MedPay is always optional.

Gap Coverage

If your vehicle is totaled in an accident, guaranteed asset protection (GAP) coverage helps to pay the difference between your vehicle’s current worth and what you still owe on your auto loan.

Towing & Labor

An optional coverage, towing and labor may be added to your auto insurance policy to get you out of binds. This pays for a tow truck to pick up your vehicle and take it to the nearest repair shop.

Rental Car

You may add rental car coverage that pays for a rental car while your vehicle is in the shop. But nearly every auto policy also covers the vehicle and passengers when you’re driving a rental car.

Uninsured Motorist

This coverage is within your own auto policy and helps to pay for repairs to your vehicle or for your medical bills if a driver who’s at fault doesn’t have auto insurance.

Underinsured Motorist

This coverage is also within your own auto policy, helping to supplement the remaining expenses to repair your vehicle and pay your medical bills if the other driver doesn’t have sufficient coverage.

Is New York a No-Fault State for Auto Insurance?

Yes, New York is a no-fault state for auto insurance purposes. What this means is that every driver must maintain a minimum amount of personal injury protection (PIP) that kicks in whether they’re the at-fault driver or not. No-fault states utilize both driver’s insurance when an accident takes place in order to cut down on potential costs and lawsuits.

How to Find Cheap Auto Insurance New York

Auto insurance in New York is pretty expensive. But you can find cheap auto insurance in New York if you try hard — or if you call Clovered for your premium prices! To get a quote for the best and maybe the cheapest car insurance in New York, call our team of licensed agents at 833-255-4117.

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The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.