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Bundle your New York auto insurance with Esurance home insurance to score our Multi-Policy discount.

affordable car insurance in new york state

New York car insurance rates can vary as widely as its regions. Vineyard-covered hills of the Finger Lakes. Icy roads in Buffalo. The lively, crowded streets of Manhattan. In fact, living in the city alone presents some pretty unique circumstances for your auto insurance. Car theft, for instance, can significantly impact New York City car insurance rates. Downtown Brooklyn and the Meatpacking District have among the highest counts. So if you've outfitted your car with safety features, you want an insurer who'll reward them with an array of discounts. That's but one way we help bring down that price tag.

Granted, Manhattan isn't the most drivable place. So if you're moving from upstate to the city, you might leave your car behind. Just keep in mind that you still need New York State-issued liability insurance in your name for any registered car. Even if you don't drive it. That way, the DMV won't suspend your drivers license and registration.

Also required in the Empire State is no-fault insurance. That means you have to carry personal injury protection (PIP) coverage. If you're purchasing car insurance for first-time drivers, make sure you're familiar with the Graduated License Law. It places special restrictions on drivers of any age with a learners permit as well as drivers ages 16-18 (called "junior drivers"). The specific rules vary depending on whether you live in Upstate New York, Long Island, or any of the five Burroughs of NYC.

Looking for free online car insurance quotes? Start with Esurance. It's fast, free, and helps you customize your coverage with a New York state of mind.

what our customers say

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I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

— Paul, Florida

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Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

— Maudryanna, North Carolina

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The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

— Aaron, Virginia

new york auto insurance discounts from esurance

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

  • Fast 5® discount
  • Multi-Car discount
  • Good Student discount
  • Paid-in-Full discount
  • Homeowners discount
  • Accident Prevention Course discount
  • Antilock Brakes discount
  • Safety Device discount
  • Anti-Theft discount
  • Claim-Free discount
  • Multi-Policy discount

Discounts may vary. If you're a current Esurance policyholder in New York and have questions about your auto 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 limits:

  1. Bodily injury and property damage liability
    • $25,000 bodily injury coverage per person
    • $50,000 bodily injury coverage per incident
    • $10,000 property damage coverage per incident
  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 additional protections to your policy can help you get the most out of your auto insurance in the Empire State.

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

digital proof of insurance laws in the empire state

New York law allows residents to present electronic ID cards on their smart devices if they're ever pulled over and need to provide proof of coverage. And with our easy-to-use mobile app, we make accessing digital proof of insurance easy as pie. Download it for free so you can access ID cards, manage your policy, and more.

new york’s uninsured drivers

A report from the Insurance Research Council estimated that 5.3 percent of drivers in New York were uninsured in 2012, well below the national average of 12.6 percent. Uninsured motorist coverage, which is required, can help protect you from drivers without any or enough auto insurance to pay for your injuries. It could also come to your rescue in a hit-and-run situation.

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 can step in to help pay for any medical expenses incurred 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® auto 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®
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