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New York Auto Insurance

With the largest city in the United States, driving in New York can be quite the endeavor. To protect its drivers, the state mandates that all carry auto insurance that includes bodily injury and property damage liability, personal injury protection, and uninsured motorist coverages.

Liability protection comes in handy when you're at fault in a wreck, and having two different kinds on your policy can help to cover all your bases if that were to happen. Bodily injury can cover medical, rehabilitation, and/or funeral costs that result from a collision you caused. Property damage can help pay for necessary repairs or replacements for another party's property that's impaired due to a crash in which you're at fault.

Here's where the Empire State sets limits for liability coverage and what the numbers mean:


  1. $25,000 coverage for bodily injury per person
  2. $50,000 coverage for total injury per accident
  3. $10,000 coverage for property damage

The minimums might not be enough. Once your provider pays up to the limits, you could still be responsible for any other expenses.

The other two coverages further protect you. Personal injury protection covers necessary medical costs, and sometimes lost wages, in the event that you're injured in a wreck – regardless of who was at fault. Lastly, uninsured motorist coverage can help pay for damage to your property if you're hit by a driver who doesn't have insurance.

Available New York auto insurance discounts

Drivers in New York can qualify for several discounts, such as:

  • Multi-policy discount.
  • Multi-car discount.
  • Safety features discount.
  • Homeowners discount.
  • Good student discount.
  • Safe driver discount.

Call today to get a free quote and get the coverage you need!

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