new york car insurance
Welcome to our guide to New York car insurance. You'll find info on New York's legal requirements (fair warning: it gets complicated) and the coverages, discounts, and perks available to Esurance customers.
New York car insurance
If you hold a New York drivers license, you're legally required to carry the following 3 coverages:
- 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
- Personal injury protection (PIP), sometimes called no-fault coverage, of at least $50,000
- Uninsured motorist bodily injury (with the same minimums as bodily injury liability)
Uninsured drivers in New York
New York is in the bottom 5 (in a good way) when it comes to uninsured drivers. A recent report from the Insurance Research Council estimated that 5 percent of drivers in New York were uninsured, well below the national average of 13.8 percent. Uninsured motorist coverage, which is required, can help protect you from this 5 percent.
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.
New York car insurance fraud
Car insurance fraud is big, bad business in New York. It's estimated that up to 1 in 3 car insurance claims in New York contain some element of fraud, resulting in higher premiums for all New York drivers. If you suspect you've been victimized by car insurance fraud, call New York's Financial Fraud & Consumer Protection Division at 1-888-372-8369.
Esurance in New York
Esurance launched in the Empire State back in 2004 (ah, memories).
Optional car insurance coverages in New York
- 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
A sampling of the Esurance discounts offered in New York
When you get a quote from Esurance, you may qualify for:
- Multi-Car discount
- Paid in Full discount
- Homeowners discount
- Good Student discount
- Accident Prevention Course discount
- Anti-Theft discount
- Daytime Running Lights discount
- Anti-Lock Brakes discount
- Safety Device discount
- Internet discount
- VIN Etching discount
Discounts may vary. If you're a current Esurance policyholder and have questions about your discounts, please call us at 1-800-ESURANCE (1-800-378-7262).
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.
Related links
NY driver information
Facts, stats, and info for New York drivers.
The Esurance Coverage Counselor®
We'll help you customize a New York car insurance policy in minutes.