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new york car insurance that’s right for you, not someone sorta like you

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 stand to benefit from our competitive auto insurance rates, superb customer service, and intuitive online tools and tech that help simplify the insurance process. Plus — much like the Big Apple — we're open 24/7 for your convenience.

You can get a personalized quote in a New York minute and take advantage of CoverageMyWay™, only from Esurance, which highlights auto coverage options based on the info you provide so you can get insurance tailored to you, not someone sorta like you.

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
  • Defensive Driver discount
  • Antilock Brakes discount
  • Safety Device discount
  • Anti-Theft discount
  • Claim-Free 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 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 car 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 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®
Get a quote with our virtual coverage guide to help you customize New York car insurance options in minutes.

Wonder if you could be saving on car insurance?

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