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New York Car Insurance
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Common questions about New York auto insurance
Need car insurance in New York? Whether you live in New York City, Buffalo, or Rochester, Liberty Mutual Insurance has you covered. From liability protection to comprehensive coverage, we customize your New York auto insurance, so you only pay for what you need.
What car insurance is required in New York?
Here in New York, it’s illegal to drive without insurance. Drivers in New York are required to have the following car insurance coverage: bodily injury, property damage, and accidental death.
This chart shows the minimum auto insurance drivers are required to have in New York.1
Coverage | Amount |
|---|---|
| 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 State Department of Motor Vehicles.
What is the average cost of car insurance in New York?
The average cost of car insurance in New York is $1,692 per year according to thezebra.com.2 That’s 13.7% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.
Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your New York auto insurance, so you only pay for what you need.
What New York car insurance coverage is right for you?
The chart above shows the minimum New York auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We’ll help you customize your New York car insurance to get the coverage that fits you. See all of our auto coverage options.
What is the best car insurance in New York?
NerdWallet named Liberty Mutual one of the best car insurance companies in 2022.3 That’s because we understand that everyone has individual needs when it comes to their New York auto insurance. Some might want the cheapest NY car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your New York car insurance, so you only pay for what you need.
Who has the cheapest car insurance in New York?
Getting the cheapest car insurance in New York 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 insurance policy can cost less than you think.4
- $617 lower than GEICO
- $659 lower than Allstate
- $643 lower than Nationwide