AUTO INSURANCE
Auto Insurance for Your
Driving Needs.
find a policy that fits your vehicle, driving needs, and budget.
AUTO INSURANCE
Auto Insurance for Your Driving Needs.
Compare coverage options from leading carriers and find a policy that fits your needs and budget.
Auto Insurance Coverage Options
Understanding your car insurance coverage can help you choose protection that fits your vehicle, driving needs, and budget.
Liability Coverage
Helps protect you if you cause an accident
Liability insurance helps cover certain injuries and property damage you may be legally responsible for after an accident. Your policy includes coverage limits that determine how much the insurer may pay for a covered claim.
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Personal Injury Protection (PIP)
New York no-fault coverage for eligible accident expenses
Personal Injury Protection, commonly called PIP or no-fault insurance, may help pay eligible medical expenses, lost earnings, and certain other necessary expenses following an auto accident, regardless of who caused it.
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Uninsured Motorist Coverage
Helps protect you when an at-fault driver is uninsured
Uninsured motorist coverage may help protect you and eligible passengers if you're injured in an accident involving a driver who does not have applicable liability insurance.
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Collision Coverage
Helps cover damage to your vehicle after a collision
Collision insurance may help pay to repair or replace your vehicle if it is damaged in a covered collision with another vehicle or object, regardless of who caused the accident.
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Comprehensive Coverage
Helps protect your vehicle from certain non-collision losses
Comprehensive insurance may help cover damage caused by certain events other than a collision, including theft, vandalism, fire, falling objects, and some weather-related losses.
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Roadside Assistance
Extra help when your vehicle leaves you stranded
Roadside assistance may provide services such as towing, battery jump-starts, flat-tire assistance, lockout service, and emergency fuel delivery depending on your insurance carrier and policy.
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Coverage requirements, availability, limits, deductibles, exclusions, and benefits vary by policy and insurance carrier. Loan or lease agreements may also require certain physical damage coverage.
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Auto Insurance Quote
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Get a New York
Auto Insurance Quote
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Auto Insurance FAQs
Find answers to common New York auto insurance questions.
What does auto insurance cover?
Auto insurance can help cover liability for injuries or damage you cause to others, and may also include optional coverages such as collision, comprehensive, uninsured or underinsured motorist coverage, medical payments and rental reimbursement. Coverage depends on the policy and selected options.
Is auto insurance required in New York?
Yes. New York requires liability insurance for a registered motor vehicle driven on a public road or highway. You must keep the required liability coverage in effect for as long as the vehicle remains registered in New York.
How much does auto insurance cost in New York?
Auto insurance rates in New York can vary based on factors such as your location, age, driving history, vehicle type, coverage limits, deductible, annual mileage and prior claims. Comparing quotes can help you find coverage that fits your needs and budget.
What does “full coverage” auto insurance mean?
Full coverage is not a specific policy type. It usually refers to a policy that combines required liability coverage with collision and comprehensive coverage for broader protection.
Can I compare quotes from multiple auto insurance carriers?
Yes. Comparing quotes from multiple auto insurance carriers can help you review pricing, coverage options, deductibles and available discounts so you can choose the policy that best fits your needs.
What information do I need to get an auto insurance quote?
To get an auto insurance quote, you will usually need information about the driver, vehicle, address, driving history and current insurance. Details such as the vehicle identification number (VIN) and desired coverage levels may also be requested.
Can I bundle auto and home insurance?
In many cases, yes. Bundling auto and home insurance may help simplify policy management and could qualify you for multi-policy discounts, depending on the insurer.
Can I compare auto insurance if I already have a policy?
Yes. Even if you already have auto insurance, comparing quotes may help you find better pricing, updated coverage options or discounts that better match your current needs. Be sure your new policy is in place before canceling your existing coverage.
