By Amanda Moss | Licensed Agent | Powered by A Plus Insurance

When people think of New York, most think of the city that never sleeps, but there is so much more to this State than the Big Apple. Whether you own a vehicle in the city or the countryside, it’s important to protect yourself and make sure your covered. With that being said, get started on your New York car insurance quotes today to see about full coverage insurance!

So What is Full Coverage?

Full coverage car insurance includes Liability coverage plus Comprehensive and Collision Coverage.

Liability – Protects you against claims resulting from injuries and damage to other people/property.

Comprehensive – Protects against damage to your vehicle resulting from a collision with an object such as a tree, mailbox, telephone pole, guard rail, or another vehicle.

Collision – Protects against damage to your vehicle by any type of non-collision events such as theft, vandalism, fire, weather, glass & windshield damage, and accidents caused by an animal.

Progressive Insurance offer’s one of the best Full Coverages Policies available.

Do I Need Full Coverage To Drive Legally?

No, not everyone needs full coverage insurance on their vehicle. This all depends upon the year of you vehicle and circumstances surrounding it. If it’s a older vehicle, you may consider opting out of full coverage.

Check out the calculator below to see what you need! However, be sure to speak with a live agent to further discuss your New York car insurance quotes to receive an accurate estimate.

Calculate: Should I Get Full Coverage?

What Does New York Car Insurance Quotes NOT Cover?

In New York, drivers must hold the State’s minimum requirement for auto insurance. New York requires liability insurance for all insured drivers with limits of:

25 / 50 / 10

$25,000 for bodily injury per person

$50,000 total per accident for bodily injury

$10,000 for property damage

Liability insurance is proof that you hold financial responsibility for the expenses of an accident where you were deemed at fault.

Personal Injury Protection (PIP) is also required by the State of New York with a minimum of $50,000 coverage.

New York Car Insurance Quotes: Insurance Rate Factors

Factor	Impact
Gender	Medium
How Long You Owned the Vehicle	Low
Credit History	High
Major Violations (DUI, DWI, etc.)	High
Insurance History	Medium
Type of Vehicle Coverage	Medium
State Requirements	Medium
Profession	Low
Driving Record	High
Vehicle Performance (Symbol)	Medium

Progressive Insurance offer’s more discounts than most other companies.

Real Life Estimate on New York Car Insurance

Did you know that you can actually get discounts on your auto insurance? Check out the box below for the most popular discounts available?

Discounts	Savings
Continuous Insurance	$15+/month savings
Advanced Quote	$8-10/month savings
Auto Pay	$5-10/month savings
Paperless	$4-5/month savings
Multi vehicle	N/A
Multi Policy	N/A
Education	$2-3/month savings
Military	N/A
Marital Status	N/A
Homeowners	$3-4/month savings
Advanced Quote	$3-4/month savings

Last Updated on July 19, 2023 by Alexis Karapiperis