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Search by Quote ID → Search by Date of BirthAuto Insurance New York
New York is known for its bustling streets and varied driving conditions, which means accidents can happen when you least expect them. Luckily, the right auto insurance policy can help you cover everything from medical bills to repair costs, giving you peace of mind every time you hit the road. If you’re looking for affordable car insurance in New York without compromising quality, Mercury is here to help. We offer customizable coverage options designed to fit your needs and budget so you get the protection you deserve without overpaying.
New York Auto Insurance Requirements
Every driver in New York is required to have a minimum level of auto insurance coverage. Here’s a breakdown of the mandatory coverage:
- Bodily injury liability: $25,000 per person and $50,000 per accident. This coverage helps pay for medical costs to another party if you’re at fault in an accident.
- Property damage liability: $10,000 per accident. This coverage helps pay for the other party’s property damage if you’re responsible for the accident.
- Personal injury protection (PIP): A minimum of $50,000. PIP covers medical expenses, lost wages, and other necessary costs, regardless of who caused the accident.
- Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident. This coverage protects you, your passengers, and your family if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
You can also get optional coverage to help give you more protection, including:
- Collision coverage: This covers the cost of repairs to your vehicle if it’s damaged in an accident, regardless of who’s at fault.
- Comprehensive coverage: This protects your vehicle from non-collision incidents such as theft, vandalism, or damage caused by natural events like hail, floods, or falling objects.
- Rental reimbursement: This covers the cost of a rental car while your vehicle is being repaired after an accident.
- Roadside assistance: This provides support for breakdowns, flat tires, and other emergency roadside situations.
What Is Full Coverage Car Insurance in New York?
Full coverage car insurance typically means you have a policy that includes the state-mandated coverages, such as liability and personal injury protection (PIP), along with optional coverages like collision and comprehensive coverage. While it’s not required by New York law, full coverage is highly recommended if you want broader protection for your vehicle, especially if it’s new or valuable.
How Much Is Car Insurance in New York?
According to Bankrate, the average cost of full coverage car insurance in New York is $3,807 per year and $1,632 per year for minimum coverage. However, these numbers are just averages, so your premium can be lower or higher depending on factors like location, age, and driving history.
Is New York a No-Fault Car Insurance State?
Yes, New York follows a no-fault insurance system, meaning your insurance covers your medical bills and lost wages regardless of who’s at fault in an accident.
Car Insurance Savings & Discounts in New York
At Mercury, we’ve got plenty of auto insurance discounts to help you lower your premium in New York, including:
- Multi-Car Discount: Insure more than one vehicle on your policy and save up to 10%.
- Paid in Full Discount: Pay your premium in full and save up to 13%.
- Automatic Payment Discount: Enroll in automatic payments through your checking or savings account to receive up to an 11% discount.
- 5-Year Accident-Free Discount: If you've had no at-fault accidents in the past 59 months, you could qualify for up to a 5% discount.
- Continuous Insurance Discount: Maintain continuous insurance coverage with no lapses, and you could save up to 8%.
- Multi-Policy Discount: Bundle your home and auto insurance policies and save up to 13%.
- Good Student Discount: Full-time students under 23 with a B average or higher (3.0 GPA) can enjoy a 5% discount.
- Defensive Driver Discount: Enrollment and completion of a defensive driver course can earn you a 10% discount.
These are just a few ways you can save. Contact a local New York agent to see what else you’re eligible for.
How to Get Car Insurance in New York
Getting started with Mercury is simple. Visit our New York Agents page to find a local agent, get a free quote online in minutes, or call us at (866) 247-7291. Our team is ready to help you customize your coverage and answer any questions you have.
Factors Affecting Car Insurance Rates in New York
Wondering why your rates might be higher or lower than your neighbor’s? Here’s a breakdown of what can influence your car insurance rates in New York:
- Driving record: If you have a clean record with no accidents or traffic violations, you’re likely to pay less. But if you’ve had tickets or been in accidents, your rates may be higher.
- Vehicle type: Luxury cars, sports cars, or vehicles with higher repair costs often come with higher insurance rates. On the flip side, safer, more affordable cars tend to be cheaper to insure.
- Location: If you live in a densely populated area like New York City, your rates may be higher due to the increased risk of accidents and theft. Rural areas with less traffic and fewer accidents generally have lower rates.
- Credit score: In New York, insurers can use your credit score to help determine your premium. A higher credit score can sometimes lead to lower rates, as it’s considered a sign of financial responsibility.
- Coverage limits: Opting for higher coverage limits or adding optional coverages like comprehensive and collision will increase your premium, but it also gives you more protection in case of an accident or damage to your vehicle.
- Age: Younger drivers, especially teens, often pay more because they’re considered higher-risk drivers.
Top Rated Car Insurance in New York
Mercury has been delivering best-in-class coverage and customer service for over 60 years. Our commitment to providing quality insurance at affordable rates has earned us recognition and trust from both our customers and industry experts.
Over the years, Mercury has been honored with numerous awards, including being named one of America’s Most Trustworthy Companies by Forbes multiple times. We were also recognized as the Best Insurer for Overall Satisfaction in the Shopping Segment of the J.D. Power 2021 U.S. Digital Experience Study. Read about their experiences.
Plus, we’re proud to have earned the trust and appreciation of drivers. Here’s what some of our customers have to say:
Good service, good coverage, recommend if you need savings
from Mercury Customer
Millie
Easy to work with.
I would absolutely buy this product again
from Mercury Customer
Kay
They gave me great coverage at a great price! My previous insurance company raised my rate by over $100 without notifying me..that's when I started searching for better rates and found Mercury Insurance.
Great insurance Rates and Service superb
from Mercury Customer
Rick
Mercury has always been rock solid on good rates and coverage. Their claims service is prompt and excellent. I’ve continued my insurance through their agent for many years And just have been really happy with personal service.
Mercury Insurance Coverage in New York
Here are some of the other products Mercury provides to New York residents:
Learn More About Car Insurance
Check out our top blogs to learn more about auto insurance:
What’s the Difference Between At-Fault vs. No-Fault States?
Your Guide to Car Insurance Requirements State-by-State
What Do You Need to Know About Car Insurance After Marriage?
Car Insurance When Moving States: Steps to Ensure a Smooth TransitionNew York Car Insurance FAQs
Why is auto insurance so expensive in New York?
Auto insurance in New York is pricier likely due to the state's dense population, which leads to more accidents, along with higher repair and medical costs. The no-fault insurance system also increases claims by covering medical expenses regardless of fault.
What is the average monthly payment for car insurance in New York?
According to Bankrate, the average cost of car insurance in New York is $317 per month for full coverage and $136 for minimum coverage.
Is collision insurance required in New York?
No, collision insurance is not required in New York.
Do you need insurance to register a car in New York?
Yes, you need insurance to register a car in New York.
How much car insurance do I need in New York?
You need to have at least the minimum coverage requirements required by law, which include liability, personal injury protection (PIP), and uninsured/underinsured motorist coverage.
Can I have out-of-state car insurance in New York?
No, you can’t have out-of-state insurance if you live in New York.
Can you get car insurance without a license in New York?
Yes, you might be able to get car insurance in New York without a driver's license. Typically, you’ll need to list someone else as the primary driver, like a family member or friend who does have a license. Contact Mercury today and we can help assist you with your situation.
What happens if you don't have car insurance in New York?
According to the New York State Department of Financial Services, driving without car insurance can lead to monetary penalties and the suspension of your vehicle registration and license.
How to lower my car insurance in New York?
There are several ways you can lower your car insurance in New York:
- Bundle your policies: Combining your auto insurance with other policies like homeowners or renters insurance can lead to discounts.
- Maintain a clean driving record: Avoiding accidents and traffic violations can help you qualify for lower rates over time.
- Take advantage of discounts: Look for discounts like good driver, multi-car, or good student discounts. Many insurers, including Mercury, offer a variety of savings opportunities.
- Raise your deductible: Increasing your deductible (the amount you pay out of pocket in case of a claim) can reduce your monthly premiums.
Can you buy a car without insurance in New York?
You might be able to purchase a car without insurance in New York, but you can’t drive it since New York law requires proof of insurance to register the vehicle.
What are helpful resources for New York drivers?
Here are some helpful resources for New York drivers: