- NEW YORK LIABILITY INSURANCE
- Is liability insurance required in NY?
- New York Liability Insurance – Bodily Injury Coverage
- Should I Upgrade to Full Coverage Insurance in New York (by city)
- New York Cheapest Car Insurance – Also Includes Property Damage
- Insurance Cost Estimator
- PAY LESS FOR NEW YORK LIABILITY INSURANCE
- PAY LESS FOR NEW YORK LIABILITY INSURANCE
- WHY DO INSURANCE COMPANIES CHARGE MORE FOR VIOLATORS – NEW YORK LIABILITY INSURANCE
- Insurance Discount Calculator
- Cost for Liability Only in New York (by city)
- NEW YORK LIABILITY INSURANCE DISCOUNTS OFFERED BY CARRIER
- DON'T BE AVERAGE WE CAN SAVE YOU MONEY FOR NEW YORK LIABILITY INSURANCE!
- Cheapest Auto Insurance in New York – New York Isn't alone in having a State minimum requirement.
- Who has the lowest liability price in New York (by city)
- WHO ARE THE BEST NEW YORK CITY LIABILITY INSURANCE?
- FAQ
- Q1: What is New York Liability Insurance?
- Q2: How can I get a quote?
- Q3: What are the minimum liability coverage requirements in New York?
- Q4: Is liability insurance required in NY?
- Q5: What is general liability insurance in NY?
- Q6: Is New York a no-fault state?
- INSURANCE SERVICES WE OFFER
- OTHER HELPFUL LINKS: SUGGESTIONS
Is liability insurance required in NY?
Is liability insurance required in NY? Yes, liability insurance is mandatory for all drivers in New York. The minimum liability coverage requirements in New York are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident. This coverage helps protect you financially in case you’re found at fault in an accident and are responsible for injuries or damages to others. However, it’s essential to consider purchasing higher coverage limits to ensure adequate protection. Here’s a comparison table showing estimated monthly rates for liability-only coverage from various insurance providers:
| Insurance Company | Estimated Monthly Rate ($) |
|---|---|
| Progressive | $80 |
| Dairyland | $90 |
| Gainsco | $85 |
| Assurance America | $75 |
| National General | $95 |
- Liability insurance is mandatory in New York.
- Minimum coverage requirements include $25,000/$50,000 for bodily injury and $10,000 for property damage.
- Consider purchasing higher coverage limits for better protection.
New York Liability Insurance – Bodily Injury Coverage
Minimum Liability Requirements for New York is 25/50 for Bodily Injury
These are the required limits to get you on the road legally in the great state of New York. Make no mistake, however, Liability Only insurance in New York is quite expensive.
If you are in an At-Fault Accident, meaning you are the cause of the wreck, your insurance will help you pay for the bodily injuries of the other person. Not many of us can write a check for 25 grand, but the insurance company can help you shoulder the cost. Giving you peace of mind.
For $81.00 a month, you can have Cheap Car Insurance in New York, but at limits of up to $50,000 per occurrence, this is not cheap coverage.
It Could actually be much more costly to drive without insurance in New York. To that fact, if you are caught driving without insurance you can face penalties of up to $1,500 EACH TIME caught. Even worse is you could lose the car, license revoked, and/or jail time of up to 15 days.
Though not required it is absolutely within your right to increase your Bodily Injury Limits, which won’t break the bank but give you even more coverage in the case of an accident. Even bumping it up to 50/100 (Which is $50,000 in bodily injury up to $100,000 per occurrence) doesn’t dramatically raise your rate.
| Dairyland | $81 |
| The General | $97 |
| Progressive Insurance | $99 |
| Bristol West | $107 |
| Mendota Ins. Company | $109 |
| National General | $109 |
| State Farm | $110 |
| 21st Century | $111 |
| USAA | $118 |
| AssuranceAmerica | $120 |
| Acceptance RTR | $127 |
| Travelers | $127 |
| Geico | $135 |
| GAINSCO | $138 |
| State Auto | $146 |
Should I Upgrade to Full Coverage Insurance in New York (by city)
| City | Price |
|---|---|
| Cicero | $167 |
| Schenectady | $164 |
| Haverstraw | $175 |
| North Hempstead | $178 |
| Ithaca | $146 |
| Mount Pleasant | $169 |
| Buffalo | $163 |
| Ossining | $159 |
| Henrietta | $153 |
| Southampton | $152 |
| Tonawanda town | $156 |
| Islip | $172 |
| Greece | $182 |
| Poughkeepsie | $168 |
| Jamestown | $167 |
| Hamburg | $151 |
| Rochester | $156 |
| Orangetown | $168 |
| Oyster Bay | $155 |
| Binghamton | $146 |
| Amherst | $151 |
| Guilderland | $151 |
| Cheektowaga | $173 |
| Hempstead village | $170 |
| Brookhaven | $172 |
| Brighton town | $162 |
| Salina | $171 |
| Valley Stream | $158 |
| Clarence | $150 |
| Lancaster | $176 |
| Clay | $166 |
| Rye town | $170 |
| Bethlehem | $166 |
| Clifton Park | $152 |
| Albany | $178 |
| Hempstead | $182 |
| Colonie | $147 |
| Huntington | $173 |
| Niagara Falls | $150 |
| Orchard Park | $156 |
| Clarkstown | $161 |
| West Seneca | $177 |
| Utica | $159 |
| Smithtown | $149 |
| New York | $170 |
| Ramapo | $163 |
New York Cheapest Car Insurance – Also Includes Property Damage
Bodily Injury, discussed above, is not the only required coverage when it comes to your Car Insurance for NY. In fact, New York Liability Insurance there is another layer required. That layer is Property Damage.
The Property Damage required limit for New York is $10,000.
Essentially if you are in an At-Fault Accident involving damage to another Property the insurance carrier will jump in and help you with the bill.
Before you leave here thinking this is all you need, take a look at the vehicles around you on your next commute to work or that upcoming trip into the City. Is there a bunch of BMWs, Land Rovers, and Tesla cars around you? What is the cost of these vehicles? $25,000, $50,000, or more?
TOP CARS WE INSURE FOR NEW YORK LIABILITY INSURANCE AND THE AVERAGE VEHICLE COST
| 1 | Cadillac ($32,000) |
| 2 | Acura ($27,000) |
| 3 | Ford Truck ($34,000) |
| 4 | GMC SUV ($20,000) |
| 5 | Hyundai Sedan ($14,000) |
| 6 | General Motors Truck ($54,000) |
| 7 | Volkswagen ($16,000) |
| 8 | Buick ($23,000) |
| 9 | BMW ($41,000) |
| 10 | Lexus ($45,000) |
| 11 | Audi ($28,000) |
| 12 | Toyota ($19,000) |
As you can see in the chart above cars are much more worth $10,000. And to make the point, the figures above are an average of those Made from the year 2018. That’ll be 6 years old! Why do we make this point?
Well, for very little impact on your premium, you can raise the Property Damage limits to $15,000, $25,000, or even $50,000 and above so that you do not have to bare the burden of an At-Fault Accident. Play with the below Insurance Cost Estimator to get a ballpark rate for your New York liability insurance.
Insurance Cost Estimator
PAY LESS FOR NEW YORK LIABILITY INSURANCE
| City | Carrier |
|---|---|
| Webster | The General |
| Cheektowaga | Geico |
| Mount Vernon | Liberty Mutual |
| Freeport | The General |
| Hempstead village | Geico |
| Lancaster | Geico |
| Cortlandt | Progressive |
| Manlius | National General |
| North Tonawanda | Farmers |
| Tonawanda town | Progressive |
| Valley Stream | Farmers |
| Carmel | Liberty Mutual |
| Salina | Bristol West |
| Buffalo | The General |
| Mount Pleasant | Geico |
| Southampton | Geico |
| Utica | Geico |
| Clay | Farmers |
| North Hempstead | Liberty Mutual |
| Brighton town | Farmers |
| Mamaroneck | Bristol West |
| Yonkers | Geico |
| Clarkstown | Progressive |
| Smithtown | Progressive |
| Union | Progressive |
| New York | National General |
| Troy | Liberty Mutual |
| White Plains | Geico |
| Clarence | Dairyland* |
| Ithaca | Geico |
| Babylon | Geico |
| Rotterdam | Geico |
| Jamestown | Geico |
| Hempstead | Liberty Mutual |
| Haverstraw | Geico |
| Clifton Park | Bristol West |
| Niagara Falls | Bristol West |
| Schenectady | Progressive |
| Syracuse | Geico |
| Cicero | Bristol West |
| Rochester | Geico |
| Ossining | Farmers |
| Warwick | Liberty Mutual |
| Henrietta | Progressive |
| Poughkeepsie | Liberty Mutual |
| Poughkeepsie town | Geico |
| Greece | Geico |
| Rome | Progressive |
| Irondequoit | Liberty Mutual |
| Yorktown | Liberty Mutual |
| Spring Valley | National General |
| Bethlehem | The General |
PAY LESS FOR NEW YORK LIABILITY INSURANCE
Not clickbait, there are actual ways you can lower your Auto Insurance policy! There are discounts you may be eligible for, rating factors that you have control of, and a litany of other systems you can pull together to get you the lowest rate in New York. Let’s Break those down!
Violations play a big part in why some have a much higher auto insurance rate than others. Certain violations are minor while others are major. What is more, the impact on your rate can be years!
As you can see above it pays to be safe, as unfortunately, the impact can be years. But Hey! No Need to despair, because the impact may ONLY be 3 years. Not Forever!
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Improper Lane use | Minor | 3 Years |
| Parking | Non Moving | NA* |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Failure to Use Turn Signal | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| DUI | Major | 10 Years |
| Failure to Yeld | Minor | 3 Years |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Crossing over a Center Divider | Minor | 3 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
“Why do they make it more difficult for someone who fell on hard times to get insurance?”
It can be a challenge to get insurance after an unfortunate incident. But don’t abdicate your power, remember that our choices have consequences. Good or Bad. You can take back your destiny by not blaming the insurance company that your are paying for the mistake of drinking and driving but instead vow never to repeat this mistake.
Sample Quote/ Policy location: Branson
Agent : Marlon
Current Company: Progressive
Previous Company: Geico
Who: Male Age: 59 Vehicle: Cadillac Brougham
Type of Coverage: Broad form , State minimum
Notes: DUI
Rate: $233
WHY DO INSURANCE COMPANIES CHARGE MORE FOR VIOLATORS – NEW YORK LIABILITY INSURANCE
When an insurance company writes a policy it is taking a risk. The paying of damages for bodily injury and property damage isn’t something anyone relishes, especially the insurance company.
If a carrier sees that someone has a record, there is a greater chance that they will be paying out for this persons negligence just as they’d be saving on someone who has a clean record. Instead of focusing on turning back the clock on past mistakes, let’s look ahead at ways to POSITIVELY impact your rate for New York liability insurance!
Positive Impact
| Impact on Rates | Discounts Available |
|---|---|
| High | Advanced Quote |
| Mild | Education Discount |
| High | Auto Pay |
| High | No Accidents or Violations |
| Mild | Multi Vehicle |
| Mild | Military |
| Mild | Paperless Discount |
| Very High | Continuous Insurance |
| Mild | Homeowners |
Sample Quote/ policy location: Branson
Agent : Lauren
Current Company: Viking
Previous Company: Progressive
Who: Female Age: 45 Vehicle: Chevrolet Silverado 3500 Extended Cab
Type of Coverage: Broad form , State minimum
Notes: Paperless, Auto Pay, Advanced Quote, no Violations
Rate: $89
As you can see with the above sample quote, Agent Lauren was able to help this 45yr old female find a Broadform policy for New York Liability insurance at the State Minimum for $89.00 a month!
Why is the price so different?! Look at the notes as compared to the previous sample quote. Paperless Discount, Autopay, Advanced quote, and No Violations! You can take advantage of discounts too, check out the calculator below:
Insurance Discount Calculator
Cost for Liability Only in New York (by city)
| City | Price |
|---|---|
| Mount Vernon | $99.00 |
| Clay | $96.00 |
| Henrietta | $88.00 |
| Mount Pleasant | $97.00 |
| Clifton Park | $100.00 |
| Carmel | $103.00 |
| Oyster Bay | $110.00 |
| New Rochelle | $100.00 |
| Rochester | $91.00 |
| Yonkers | $101.00 |
| Freeport | $95.00 |
| Schenectady | $110.00 |
| Southampton | $107.00 |
| Troy | $100.00 |
| Penfield | $101.00 |
| North Hempstead | $98.00 |
| Haverstraw | $99.00 |
| Cicero | $110.00 |
| West Seneca | $88.00 |
| North Tonawanda | $96.00 |
| Clarkstown | $95.00 |
| Smithtown | $92.00 |
| Poughkeepsie town | $109.00 |
| Bethlehem | $104.00 |
| Niagara Falls | $103.00 |
| Eastchester | $87.00 |
| Ithaca | $92.00 |
| Brighton town | $110.00 |
| Manlius | $93.00 |
| Utica | $86.00 |
| Salina | $92.00 |
| Cortlandt | $100.00 |
| Hempstead village | $93.00 |
| Syracuse | $94.00 |
| Yorktown | $86.00 |
| Orchard Park | $91.00 |
| Hamburg | $103.00 |
| Long Beach | $92.00 |
| Union | $103.00 |
| White Plains | $109.00 |
| Mamaroneck | $98.00 |
| Greece | $93.00 |
| Tonawanda town | $110.00 |
| Poughkeepsie | $88.00 |
| Colonie | $110.00 |
| Valley Stream | $93.00 |
| Webster | $104.00 |
| Lancaster | $97.00 |
| Cheektowaga | $91.00 |
| Islip | $95.00 |
| Irondequoit | $94.00 |
| Ramapo | $86.00 |
NEW YORK LIABILITY INSURANCE DISCOUNTS OFFERED BY CARRIER
Not every carrier has the same discounts and others charge much more for certain violations. But, let’s focus on the positive. Below are some of our Trusted Carriers, notice the table below each Brand that lists discounts. See if there is opportunity for you!
| Progressive Discount |
|---|
| Married |
| Military |
| No Accidents or Violations |
| Advanced Quote |
| Homeowners |
| Multi Policy |
| Continuous Insurance |
| Multi Vehicle |
| Paperless Discount |
| Auto Pay |
| Paid in Full |
| Education Discount |
| Dairyland Discounts |
|---|
| Continuous Insurance |
| Auto Pay |
| Married |
| Paid in Full |
| Multi Policy |
| Military |
| No Accidents or Violations |
| Multi Vehicle |
| Homeowners |
| Mendota / Advantage Auto Discounts |
|---|
| Paid in Full |
| Homeowners |
| No Accidents or Violations |
| Auto Pay |
| Multi Vehicle |
| Continuous Insurance |
| Married |
| Travelers Discounts |
|---|
| Continuous Insurance |
| Homeowners |
| Multi Policy |
| Married |
| Paid in Full |
| No Accidents or Violations |
| Auto Pay |
| Multi Vehicle |
| The General Discounts |
|---|
| No Accidents or Violations |
| Homeowners |
| Paid in Full |
| Multi Vehicle |
| Auto Pay |
| Continuous Insurance |
| Married |
| Gainsco Discounts |
|---|
| Multi Vehicle |
| Married |
| Continuous Insurance |
| No Accidents or Violations |
| Paid in Full |
| Homeowners |
| Auto Pay |
| Assurance America Discounts |
|---|
| Multi Vehicle |
| Homeowners |
| Married |
| No Accidents or Violations |
| Continuous Insurance |
| Paid in Full |
| Auto Pay |
| Rank | Company | Average Price |
|---|---|---|
| 1 | Dairyland (Viking) | $96.00 |
| 2 | Progressive | $106.00 |
| 3 | Bristol West | $109.00 |
| 4 | The General | $120.00 |
| 5 | Liberty Mutual | $128.00 |
| 6 | Mendota | $129.00 |
| 7 | Travelers | $135.00 |
DON’T BE AVERAGE WE CAN SAVE YOU MONEY FOR NEW YORK LIABILITY INSURANCE!
| Liability Insurance Rates in New York City | Liability State Average |
|---|---|
| $756.85 | $510.15 |
| New Customers in New York City, New York Save on Average | $605.55 |
| Number of Eggs you could buy | 5420 |
| Pound of bananas you could buy | 1157 |
| Pound of Potatoes you could purchase | 853 |
| Number of Candy bars you could buy | 435 |
| Months of Netflix you could afford with your savings | 43 |
| Number of Peanuts you could buy | 107568 |
Cheapest Auto Insurance in New York – New York Isn’t alone in having a State minimum requirement.
| State | Minimum Coverage Requirements | Average Cost of Minimum Liability Coverage |
|---|---|---|
| Alabama | 25/50/25 | $435 |
| Alaska | 50/100/25 | $467 |
| Arizona | 15/30/10 | $482 |
| Arkansas | 25/50/25 | $458 |
| California | 15/30/5 | $611 |
| Colorado | 25/50/15 | $510 |
| Connecticut | 25/50/20 | $790 |
| Delaware | 25/50/10 | $839 |
| District of Columbia | 25/50/10 | $678 |
| Florida | 10/20/10 | $948 |
| Georgia | 25/50/25 | $640 |
| Hawaii | 20/40/10 | $354 |
| Idaho | 25/50/15 | $337 |
| Illinois | 25/50/20 | $462 |
| Indiana | 25/50/25 | $372 |
| Iowa | 20/40/15 | $274 |
| Kansas | 25/50/25 | $468 |
| Kentucky | 25/50/25 | $738 |
| Louisiana | 15/30/25 | $765 |
| Maine | 50/100/25 | $312 |
| Maryland | 30/60/15 | $858 |
| Massachusetts | 20/40/5 | $478 |
| Michigan | 20/40/10 | $1,219 |
| Minnesota | 30/60/10 | $625 |
| Mississippi | 25/50/25 | $482 |
| Missouri | 25/50/25 | $688 |
| Montana | 25/50/20 | $316 |
| Nebraska | 25/50/25 | $389 |
| Nevada | 25/50/20 | $836 |
| New Hampshire | 25/50/25 | $427 |
| New Jersey | 15/30/5 | $912 |
| New Mexico | 25/50/10 | $370 |
| New York | 25/50/10 | $1,295 |
| North Carolina | 30/60/25 | $444 |
| North Dakota | 25/50/25 | $349 |
| Ohio | 25/50/25 | $320 |
| Oklahoma | 25/50/25 | $445 |
| Oregon | 25/50/20 | $578 |
| Pennsylvania | 15/30/5 | $374 |
| Rhode Island | 25/50/25 | $790 |
| South Carolina | 25/50/25 | $537 |
| South Dakota | 25/50/25 | $314 |
| Tennessee | 25/50/15 | $358 |
| Texas | 30/60/25 | $708 |
| Utah | 25/65/15 | $536 |
| Vermont | 25/50/10 | $314 |
| Virginia | 25/50/20 | $398 |
| Washington | 25/50/10 | $408 |
| West Virginia | 25/50/25 | $518 |
| Wisconsin | 25/50/10 | $330 |
| Wyoming | 25/50/20 | $264 |
Who has the lowest liability price in New York (by city)
| City | Price |
|---|---|
| Webster | The General |
| Cheektowaga | Geico |
| Mount Vernon | Liberty Mutual |
| Freeport | The General |
| Hempstead village | Geico |
| Lancaster | Geico |
| Cortlandt | Progressive |
| Manlius | National General |
| North Tonawanda | Farmers |
| Tonawanda town | Progressive |
| Valley Stream | Farmers |
| Carmel | Liberty Mutual |
| Salina | Bristol West |
| Buffalo | The General |
| Mount Pleasant | Geico |
| Southampton | Geico |
| Utica | Geico |
| Clay | Farmers |
| North Hempstead | Liberty Mutual |
| Brighton town | Farmers |
| Mamaroneck | Bristol West |
| Yonkers | Geico |
| Clarkstown | Progressive |
| Smithtown | Progressive |
| Union | Progressive |
| New York | National General |
| Troy | Liberty Mutual |
| White Plains | Geico |
| Clarence | Dairyland* |
| Ithaca | Geico |
| Babylon | Geico |
| Rotterdam | Geico |
| Jamestown | Geico |
| Hempstead | Liberty Mutual |
| Haverstraw | Geico |
| Clifton Park | Bristol West |
| Niagara Falls | Bristol West |
| Schenectady | Progressive |
| Syracuse | Geico |
| Cicero | Bristol West |
| Rochester | Geico |
| Ossining | Farmers |
| Warwick | Liberty Mutual |
| Henrietta | Progressive |
| Poughkeepsie | Liberty Mutual |
| Poughkeepsie town | Geico |
| Greece | Geico |
| Rome | Progressive |
| Irondequoit | Liberty Mutual |
| Yorktown | Liberty Mutual |
| Spring Valley | National General |
| Bethlehem | The General |
WHO ARE THE BEST NEW YORK CITY LIABILITY INSURANCE?
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
|---|---|---|
| Erie Insurance | 879 | A+ |
| Mercury | 837 | A |
| MAPFRE Insurance | 842 | A |
| Auto-Owners Insurance | 870 | A+ |
| Auto Club of Southern California Insurance Group | 866 | A+ |
| Esurance | 844 | A+ |
| American Family Insurance | 857 | A |
| Travelers | 865 | A++ |
| NJM Insurance Co. | 868 | A+ |
| Farmers Insurance | 865 | A |
| MetLife | 867 | A+ |
| State Farm | 878 | A++ |
| USAA | 900 | A++ |
FAQ
Q1: What is New York Liability Insurance?
New York Liability Insurance provides coverage for bodily injury and property damage you may cause to others in an accident. It is a legal requirement for drivers in New York.
Q2: How can I get a quote?
To get a quote, you can visit our website or call us at 1.888.445.2793 to speak with one of our representatives.
Q3: What are the minimum liability coverage requirements in New York?
In New York, the minimum liability coverage requirements are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage per accident.
Q4: Is liability insurance required in NY?
Yes, liability insurance is required in New York. Drivers must have both bodily injury and property damage liability coverage to comply with state laws.
Q5: What is general liability insurance in NY?
General liability insurance in New York refers to coverage that protects businesses from liability claims for bodily injury, property damage, and personal and advertising injury. It’s crucial for businesses to safeguard against potential lawsuits.
Q6: Is New York a no-fault state?
Yes, New York is a no-fault state. This means that in the event of a car accident, each party’s own insurance will cover their medical expenses and lost earnings, regardless of who was at fault.
INSURANCE SERVICES WE OFFER
Homeowners Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
OTHER HELPFUL LINKS: SUGGESTIONS
Last Updated on by Camron Moss