- Car Insurance
- Auto Insurance by State
- New York Car Insurance
Get a New York car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in New York
Need car insurance in New York? From Manhattan's busy streets to the winding roads of the Catskills, the Adirondack Mountains, and the open farmland upstate, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your New York auto insurance, so you only pay for what you need.
New York drivers could save money with these auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programNew York minimum car insurance requirements (25/50/10)
It's illegal to drive without car insurance in New York. To drive legally, you need to have at least the following coverage amounts and minimums in New York.4
Coverage | Amount |
|---|---|
| Bodily Injury to Others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $10,000 per accident |
| Personal Injury Protection (PIP) Coverage | $50,000 per person |
| Uninsured Motorist Bodily Injury Coverage | $25,000 per person and $50,000 per accident |
Visit the New York Department of Financial Services to learn more about minimum coverage requirements.
Average car insurance cost in New York, 2026
According to 2026 data, the average cost of “full” coverage car insurance in New York is about $2,040 per year.
New York drivers often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Who offers cheap insurance in New York?
Finding the cheapest car insurance in New York may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $817 lower than GEICO
- $731 lower than Progressive
- $839 lower than State Farm
- $758 lower than Allstate