New York car insurance

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New York City skyline overlooking Brooklyn Bridge

Affordable New York auto insurance customized to your needs

Need car insurance in New York? Whether you live in the city or Upstate, Liberty Mutual can help protect you. From liability protection to comprehensive coverage, we customize your New York auto insurance, so you only pay for what you need.

Who has the cheapest car insurance in New York?

The big question. Keep in mind, getting the cheapest car insurance in NY may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that’s affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto policy can cost less than you think1

$617 lower than GEICO
$659 lower than Allstate
$642 lower than Nationwide
Cars driving over the George Washington Bridge

What car insurance is required in New York?

Here in the Empire State, it’s illegal to drive without insurance. This chart shows the minimum auto insurance drivers are required to have in NY5.



Bodily Injury Coverage$25,000 per person and $50,000 per accident
Property Damage Coverage$10,000 per accident
Accidental Death$50,000 per person and $100,000 per accident

For more information, check out the New York Department of Motor Vehicles.

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.2
Convenience and savings — need we say more? Combine your policies and get a discount.3
Get rewarded for your good driving behavior by saving up to 30% on your policy.4

Common questions about New York auto insurance

New York insurance agents near me

Liberty Mutual Offices in New York

1Savings validated by 2019 countrywide survey of participating new customers who switched to Liberty Mutual. Carrier-specific figures reflect average savings for customers who switched to Liberty Mutual from the listed carriers. Savings may vary. Comparison does not apply in MA
2Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
3Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
4The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. ©2020 Liberty Mutual Insurance
5Minimum coverage amounts are subject to change.