Car Insurance in New York City

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Mercury Car Insurance in New York City

At Mercury, we specialize in providing comprehensive auto insurance that meets the specific needs of New York City drivers. From the congested avenues of Manhattan to the expansive expressways leading to the outer boroughs, our policies are designed with the city driver in mind. Along with our affordable rates, we also provide several discounts to help you save even more on your car insurance.

Why Choose Mercury for NYC Car Insurance?

Local expertise: Our local New York agents are experts in NYC’s specific conditions and can help you find the right coverage for your needs.
Competitive rates: Mercury offers affordable premiums with various discounts available for safe driving, anti-theft devices, multi-car policies, and more.
24/7 claims: Our quick and easy claims process ensures you can return to your life with minimal disruption, no matter the time or day.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in New York City?

In New York, motorists must have insurance to operate a vehicle legally. Driving without insurance can result in severe penalties, including fines, license suspension, and vehicle impoundment.

Legal Requirements to Drive in NYC

According to the New York State Department of Financial Services, the state requires all drivers to carry a minimum level of liability insurance, which includes:

Bodily injury liability: $25,000 per person, $50,000 per accident, $50,000 for death liability per person, and $100,000 for death liability per accident. This coverage helps pay for the other party’s medical bills in case you’re at fault in an accident.
Property damage liability: $10,000 per accident. This coverage pays for damages to another person’s property resulting from an accident for which you are at fault.
Personal injury protection (PIP): $50,000. This no-fault coverage helps with medical expenses, lost wages, and other injury-related losses, regardless of who caused the accident.
Uninsured motorist coverage: $25,000 bodily injury per person and $50,000 bodily injury per accident. This is also mandatory and protects you in case you’re involved in an accident with a driver who doesn’t have insurance.

Optional NYC Auto Insurance Coverages

While the law mandates certain types of coverage in New York, several optional coverages can provide additional protection and peace of mind. Consider these options to tailor your auto insurance policy to your needs:

Collision protection: This covers damage to your vehicle resulting from a collision, regardless of who’s at fault. It’s particularly valuable in a city known for its high traffic density.
Comprehensive coverage: This protects you against damage to your car that’s not caused by a collision, such as theft, vandalism, fire, or environmental damage like flooding, which can be a concern in areas like NYC.
Roadside assistance: This service offers help if you break down in the city, providing services like towing, flat tire changes, and jump-starts.

What Does NYC Auto Insurance Not Cover?

While auto insurance provides essential protection, there are several circumstances and events that standard policies don’t typically cover. Here are some common exclusions:

Personal belongings: Standard auto insurance policies don’t cover personal items stolen from your vehicle or damaged in an accident. Consider homeowners or renters insurance to get this coverage.
Wear and tear: Auto insurance doesn’t cover normal wear and tear on a vehicle, including mechanical breakdowns or issues arising from car aging.
Intentional damage: Your auto insurance policy won’t cover any damage you intentionally cause to your vehicle.
Commercial use: If you use your personal vehicle for commercial purposes, such as making deliveries or driving for a ride-sharing service, you’ll likely need business auto insurance.

How to Get Car Insurance in New York City

Getting car insurance in New York City doesn’t have to be complicated. At Mercury, we make it simple and stress-free. Whether you need basic coverage to meet legal requirements or a more comprehensive policy, our local NYC agents are here to guide you every step of the way.

Reach out to a New York insurance agent to start a quote, or call us at (877) 292-9762.

Portrait of woman enjoying road trip in open top classic car

Get Cheap Auto Insurance in NYC from Mercury

Navigating the roads of New York City can be a challenge, but finding affordable auto insurance shouldn’t be. Whether you’re commuting daily through Manhattan’s bustling avenues or parking in the quieter streets of Brooklyn, Mercury provides comprehensive coverage that doesn’t break the bank.

Save More with Discounts

At Mercury, we understand that every penny counts. That’s why we offer an array of discounts to our customers, including:

Multi-car discount: Save up to 10% when you insure more than one car.
Paid-in-full discount: Pay upfront and save up to 13%.
Good student discount: Students under 23 with a “B” average or higher can save 5%.
Automatic payment discount: Set up automatic payments from your bank account to save 11%.
5-year accident-free discount: Stay accident-free for 5 years and save up to 5%.
Continuous insurance discount: Maintain uninterrupted coverage to save up to 8%.
Multi-policy discount: Bundle home and auto insurance to save up to 13%.
Defensive driver discount: Complete a defensive driving course and earn up to 10% off.

Contact your local agent to discuss these options and determine which discounts apply to you.

Manhattan, New York City Downtown View with Skyscrapers and Traffic in the Street.

Bundling with Mercury

Bundling your auto policy with home or renters insurance helps you save money and simplifies your insurance management by keeping all your policies under one provider.

New York City home insurance: Protecting your home is just as important as protecting your vehicle. Our home insurance policy provides comprehensive coverage for your home, personal property, and liability protection.
New York City renters insurance: If you’re a renter, our coverage can help protect you and your personal belongings from unexpected events like fire, theft, or water damage.

Top Rated Insurance in NYC

At Mercury, we’re proud to be a trusted choice for New York City drivers. We’ve built our reputation on putting our customers first, with excellent service and affordable options that make sense for NYC’s driving challenges.

Read their experiences and see why we’re one of the top-rated auto insurance providers in the Big Apple.

Learn More About Car Insurance

Our blog is packed with insights and advice to help you get the most out of your car insurance. Check out these articles to learn more:

Meeting with real estate agent The Power of Combining Home and Auto Insurance to Save Money

A man calls the insurance company or the police because someone backed into the side door of his car in the parking lot Your Guide to Car Insurance Requirements State-by-State

Driver pulled over facing police officer How Does a Speeding Ticket Affect Your Car Insurance?

New York City Car Insurance FAQ

How much is car insurance in NYC?

According to Bankrate, the average cost of full-coverage car insurance in NYC is $3,967 per year, while the average cost of minimum coverage is $1,691 per year.

How do I find a Mercury Agent in NYC?

Visit the New York Insurance Agents page to find one in your area.

How to find the cheapest car insurance in New York City?

Mercury is committed to providing affordable, quality auto insurance to New York City drivers. With our competitive rates, exceptional customer service, and various discounts and bundling options, we make finding cheap car insurance a breeze. Contact us today for a fast, free quote!

What products does Mercury offer in New York City?

Several products are available to NYC residents, including: