Cheap Auto Insurance New York
Enter your zip code below to start your quote
You can pick up from where you left by retrieving your quote below.Search by Quote ID → Search by Date of Birth
New York Cheap Auto Insurance
New York has plenty to see and experience, from the soaring cityscapes of the Big Apple to the majestic Adirondack Mountains. Still, if you want to explore everything the Empire State has to offer, you’ll need solid car insurance to keep you and your vehicle protected if an accident occurs. Fortunately, you can get excellent coverage at an affordable rate with Mercury Insurance. Let’s review what coverage you need in New York and why you should join the Mercury family.
Minimum Auto Insurance Requirements in New York
All drivers must comply with the state’s minimum car insurance requirements. Here’s the bare minimum you need to drive in Florida legally:
Minimum bodily injury liability: $25,000 per person and $50,000 per accident
- This coverage pays for others’ medical expenses if you’re responsible for the accident
Property damage liability (PD): $10,000 per accident
- PD helps pay repair costs if you damage another person’s vehicle or property.
Personal injury protection (PIP): $50,000
- PIP covers medical expenses no matter who’s responsible for the accident.
Uninsured/underinsured bodily injury coverage: $25,000 per person and $50,000 per accident
- This coverage pays for medical bills when the at-fault driver doesn’t have enough — or any — insurance to cover the incurred expenses.
Optional Auto Insurance Coverages
It’s always encouraging to know your auto insurance company is there when the unexpected happens. That’s why you can count on Mercury to customize a cheap car insurance policy tailored to your needs. We offer additional coverage options to give you peace of mind, including:
Penalties for Driving Without Auto Insurance in New York
All New York drivers must carry proof of auto insurance. You could face several penalties for driving without car insurance. The state can revoke your license and registration for up to three years, charge you up to $1,500 in fines, impound your vehicle, and sentence you to jail for up to 15 days. Additionally, you must pay a $750 civil penalty to restore your license.
Mercury offers affordable car insurance without sacrificing quality support and service. Talk with an agent today to help you find cheap car insurance.
Reduce Your Auto Insurance Rate with Discounts
Mercury already offers cheap auto insurance in New York. Do you know how you can save even more on insurance premiums? Choosing one or more of our discounts.
Check out a few we offer:
- AutoPay Discount
- Continuous Insurance Discount
- Defensive Driver Discount
- E-Signature Discount
- Good Student Discount
- Multi-Policy Discount
- Pay-in-Full Discount
Save Hundreds by Switching to Mercury Insurance
At Mercury, we’re committed to keeping your auto insurance rate low. Our insurance fraud investigations arm — the Special Investigation Unit (SIU) — works with federal and local law enforcement to shut down hundreds of fraud rings each year. These scammers not only undermine the insurance industry but also affect you by driving up insurance premium costs. That’s one of the reasons how we can deliver affordable rates and first-class coverage to you and all our policyholders.
If you’re looking for cheap auto insurance in New York, you’ve come to the right place. Start your free quote online and see how much money you can save!