Top Car Insurance Choices in New York State

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Looking for the best car insurance in New York? You’re in the right spot. This guide helps you find the best provider by examining factors like customer satisfaction, financial strength, policy options, discounts, and premium levels.

The key to finding the best and most affordable car insurance is comparing quotes from multiple companies. Use the quote tool below from our car insurance partner to save a lot of time and money.

Key Factors When Comparing Car Insurance in New York

Car insurance in New York is complex and expensive. Here’s what you need to know:

• Cost: Insurance in New York is pricier than in other states, so shop around and use all available discounts.
• No-Fault State: New York’s no-fault laws lead to higher premiums and more complex policies. Know the laws and choose a company that suits your needs.
• Coverage Levels: The cheapest policy isn’t always the best. Minimum coverage may leave you exposed financially.
• Match Coverage to Net Worth: Ensure your coverage levels match your net worth to protect your assets.
• Bundling: Save money by bundling your auto insurance with other policies like homeowners or renters insurance.
• Business Use: If you use your vehicle for business, like driving for Uber, you’ll need special coverage.
• Clean Driving Record: Keep a clean driving record to get the lowest premiums. If you have an accident or violation, consider a driver education course.

The 7 Best Car Insurance Companies in New York

1. Travelers

   • Pros: Strong in every category – high financial strength, strong customer satisfaction, and low premiums.
   • Cons: Low customer reviews on ConsumerAffairs.com.

2. Progressive

   • Pros: Lowest premiums and excellent discounts, including rideshare coverage and accident forgiveness.
   • Cons: Lowest J.D. Power rating.

3. Allstate

   • Pros: Strong across the board with unique travel coverage to Mexico.
   • Cons: Fewer discounts than competitors.

4. New York Central Mutual

   • Pros: Highest customer satisfaction rating in New York.
   • Cons: Higher premiums and limited to New York; lower financial strength.

5. State Farm

   • Pros: High customer satisfaction and financial strength; largest auto insurer with unique options.
   • Cons: Higher premiums, some options not available in New York.

6. GEICO

   • Pros: Below-average premiums and clear discount information.
   • Cons: Lower customer satisfaction rating.

7. Liberty Mutual

   • Pros: Interesting maintenance options like new car replacement.
   • Cons: Highest premiums and lower customer satisfaction.

How We Found the Best

We considered policy options, discounts, premiums, customer satisfaction, and financial strength when compiling the list. The premiums are based on average data, and while cost is important, it’s not the only factor to consider.

New York Car Insurance Laws

The minimum requirements are “25/50/10” for bodily injury and property damage. New York also requires uninsured/underinsured motorist coverage and Personal Injury Protection (PIP). Optional coverages include higher dollar amounts, collision, comprehensive, medical payments, accidental death, towing, rental reimbursement, mechanical breakdown, and more.

No-Fault State

New York is a no-fault state, meaning you seek coverage through your own insurer regardless of fault. Exceptions include vehicle damage claims and serious injuries.

FAQs

• What if I get into an accident in another state? Your policy will adjust to meet the liability minimum of the state where the accident occurs.
• Why is car insurance so expensive in New York? High population density, risk of vandalism, no-fault laws, and overall high-cost state lifestyle contribute to higher premiums.
• What happens if my insurance lapses? If your insurance lapses, you may face fines, policy cancellation, or non-renewal.

Summary: Best Car Insurance in New York

Here’s a quick reference of the top companies and what they’re best for:

• Best Overall
• Cheapest Overall
• Cheapest After DWI/DUI
• Highest Customer Satisfaction
• Best for Teen Drivers
• Best for Young Drivers and Drivers with Violations
• Best for Customized Coverage

Compare quotes and review your needs to find the best fit for you. Happy hunting!