New York Car Insurance – Auto Insurance Quotes in NY
In New York, auto insurance is mandatory. However, understanding the auto insurance requirements and regulations per state can be difficult as every state is different. In addition to this, once consumers understand what is required of them, finding the best premium rates is a whole new challenge.
At MyCarInsuranceRates.com, we have everything a New York driver needs in order to understand state car insurance requirements and then find an auto insurance policy to suit their needs. We will also ensure that you save a lot of money while getting cheap car insurance quotes, as each of the best auto insurance companies in our network compete against each other for your business. Enter your zip code to begin a free, instant car insurance quote and save money with cheap New York car insurance.
New York Car Insurance Requirements
New York is a no-fault state. This means that your insurance company will make payments for a claim regardless of who is at fault in an accident. In a no-fault state, you may also lose some of your rights to sue. Because of this, New York state law also requires minimum personal injury protection coverage of at least $50,000.
If there is a lapse in liability insurance and you do not surrender your vehicle plates, the New York DMV suspends the license and registration of the car owner. If a driver is caught operating an automobile without insurance, your driver’s license will be revoked for at least one year. There are also fines from $150 to $1,500 and/or jail time for driving without valid car insurance in New York.
Understanding New York Car Insurance Liabilities & Coverage
The state of New York requires 25/50/10 auto insurance coverage. This includes a minimum bodily injury liability limit of $25,000 per injured person and a total of $50,000 per accident, including medical expenses. Any property damage is required to be covered by insurance with at least $10,000 of liability coverage against both public and private property repairs and claims.
There is also uninsured/underinsured motorist coverage offered by car insurance companies in the minimum amount of $25,000 per person, and $50,000 per car accident, limiting your out of pocket expenses in case the other driver has no coverage. Lastly, New York car insurance companies must offer personal injury protection (PIP) coverage in the minimum amount of $50,000.
New York Insurance Coverage:
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $10,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
- Personal Injury Protection: $50,000 Limit
With MyCarInsuranceRates.com, you can get quick, free car insurance quotes and view the options available for coverage with the assurance that you are getting cheap, affordable car insurance rates.
New York Car Insurance Laws and Regulations
In New York, all drivers must have proof of insurance. Without proof of insurance, the penalty is a fine of between $150 and $1,500. Anyone driving an uninsured car or involved in an accident while driving an uninsured automobile will lose their license for at least one year.
In addition, there are civil penalties and possible jail time involved. If you are no longer carrying valid car insurance for a vehicle, you must turn in your vehicle plates immediately or your registration and driver’s license could be suspended. A civil penalty of $750 may also be assessed. This is in addition to any other fines or convictions. Driving without valid car insurance is also seen as a traffic infraction in New York.
Average New York Car Insurance Rates
New York’s average auto insurance rate in 2010 was $198.33 per month or $2,380 per year, which is higher than the national average of $128.17 per month or $1,538 per year. With auto insurance rates decreasing, now is the perfect time to shop for a new policy.
MyCarInsuranceRates.com can help you find the lowest auto insurance rates. By simply entering your zip code, it is possible to get multiple rate quotes from several of the top best car insurance companies nationwide. This will ensure that you are guaranteed to get the best deal on your auto insurance.
New York Car Insurance Quotes
Finding the best car insurance rates can be a confusing, difficult process. MyCarInsuranceRates.com makes shopping around and finding the best rates easy. New York drivers can get cheaper car insurance quotes from several of the best, reliable auto insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA, AARP, and Esurance, that want to compete for your business.
Enter your 5-digit zip code and policyholders can compare car insurance quotes to find the best, affordable rates on New York car insurance. Right now, auto insurance rates in New York are 2% lower than they were the previous year. As a result, find out if you can save money on your auto insurance with a cheaper plan.
Enter your zip code to begin a car insurance quote now and find cheap New York car insurance.
