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new york car insurance

We know living in New York doesn't come cheap, but your car insurance costs don't need to be through the roof. All residents of the Empire State can benefit from our competitive auto insurance rates, super customer service, and easy-to-use website. Much like the Big Apple, we're open 24/7 for your convenience.

Esurance embraces innovative online tools that make your car insurance policy easy to manage and always available, saving you both time and money. You can get a free quote for car insurance in a New York minute, and gain instant access to our interactive insurance guide, Coverage Counselor®, which gives you advice on how to tailor your policy coverages to your every need.

new york auto insurance discounts from esurance

We're the company that never sleeps when it comes to finding new ways to save New Yorkers money on their car insurance. Here's a sampling of some of our major money-savers:

  • Multi-Car discount
  • Good Student discount
  • Paid-in-Full discount
  • Homeowners discount
  • Antilock Brakes discount
  • Safety Device discount
  • Anti-Theft discount

Discounts may vary. If you're a current Esurance policyholder in New York and have questions about your car insurance discounts, please call us at 1-800-ESURANCE (1-800-378-7262).

car insurance coverages in new york

Required coverages

The Empire State requires the following minimum coverage limits:

  1. Bodily injury and property damage liability
    • $25,000 bodily injury coverage per person
    • $50,000 bodily injury coverage per accident
    • $10,000 property damage coverage per accident
  2. Personal injury protection (PIP), sometimes called no-fault coverage, of at least $50,000

  3. Uninsured motorist bodily injury (with the same minimum limits as bodily injury liability)

Optional coverages

Adding these optional coverages to your policy can help you get the most out of your car insurance in the Empire State.

  • Additional personal injury protection (APIP) coverage
  • Medical and funeral services payments coverage
  • Comprehensive coverage
  • Collision coverage
  • Towing and labor coverage
  • Rental car coverage
  • Customized parts and equipment coverage
  • Supplemental uninsured/underinsured motorist bodily injury (SUM) coverage
  • Basic economic loss coverage

uninsured drivers in new york

New York is in the bottom 5 (in a good way) when it comes to uninsured drivers. A 2011 report from the Insurance Research Council estimated that 5 percent of drivers in New York were uninsured in 2009, well below the national average of 13.8 percent. Uninsured motorist coverage, which is required, can help protect you from drivers without any or enough coverage to pay for your injuries.

how fault works after an accident

New York has no-fault insurance laws designed to ensure medical care is provided after a car accident as quickly as possible. Personal injury protection (PIP) coverage steps in to help pay for any medical expenses for the driver, passengers, and pedestrians injured by a motor vehicle, regardless of who was at fault.

No-fault coverage doesn't pay for property damage costs, only medical, and is meant to kick in before your health insurance. In other words, if medical attention is needed after an accident, no-fault coverage would pay first and your health insurance would cover fees after your PIP limits are exceeded.

As a plus, if you or a relative living with you is hurt in a car accident anywhere in the U.S. or Canada, your New York no-fault policy has you covered.

e-star® car repair shops in new york

Esurance customers can take their rides to a shop in our E-star network for guaranteed repairs and RepairView®, which lets you track your car's repairs each step of the way.

Find an E-star shop near you.

confidentiality for victims of domestic violence

If you and/or your child has been the victim of domestic violence, and you have obtained an Order of Protection related to the domestic violence in order to protect your personal information, please review Esurance's information on New York domestic abuse confidentiality. (PDF)

Related links

How to drive safely around pedestrians
Whether in the big city or in front of your driveway, sharing the road with those on foot is a vital skill.

The Esurance Coverage Counselor®
We'll help you customize a New York car insurance policy in minutes.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262