CHEAPEST AUTO INSURANCE IN NEW YORK
NEW YORK LIABILITY INSURANCE
KEYWORDS KEYWORDS KEYWORDS!!!
Minimum Liability Requirements for New York is 25/50/10
What exactly do these figures represent? They are $25,000 per person in bodily injury up to $50,000 per occurrence. And $10,000 in property damage.
By Marlon Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance
- New York Liability Insurance – Bodily Injury Coverage
- New York Cheapest Car Insurance – Also Includes Property Damage
- Insurance Cost Estimator
- PAY LESS FOR NEW YORK LIABILITY INSURANCE
- WHY DO INSURANCE COMPANIES CHARGE MORE FOR VIOLATORS – NEW YORK LIABILITY INSURANCE
- Insurance Discount Calculator
- 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 ARE THE BEST NEW YORK CITY LIABILITY INSURANCE?
- OTHER HELPFUL LINKS: SUGGESTIONS
New York Liability Insurance – Bodily Injury Coverage
As explained above the Liability limits for New York are:
Minimum Liability Requirements for New York is 25/50 for Bodily Injury
This is 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 expansive.
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.
| 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 |
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.
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.
NOW! WAIT!
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. Are there a bunch of BMWs, Land Rovers and Tesla cars around ya?
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 is an average of those Makes from the year 2018. That’ll be 5 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, 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
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 system 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 then others. Certain violations are minor while others are major. What is more, the impact on your rate can be years!
| 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 |
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!
“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
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 |
| 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 |
| Continuous Insurance |
| Auto Pay |
| Married |
| Paid in Full |
| Multi Policy |
| Military |
| No Accidents or Violations |
| Multi Vehicle |
| Homeowners |
| Mendota Advantage Auto |
| Paid in Full |
| Homeowners |
| No Accidents or Violations |
| Auto Pay |
| Multi Vehicle |
| Continuous Insurance |
| Married |
| Travelers |
| Continuous Insurance |
| Homeowners |
| Multi Policy |
| Married |
| Paid in Full |
| No Accidents or Violations |
| Auto Pay |
| Multi Vehicle |
| The General |
| No Accidents or Violations |
| Homeowners |
| Paid in Full |
| Multi Vehicle |
| Auto Pay |
| Continuous Insurance |
| Married |
| Gainsco |
| Multi Vehicle |
| Married |
| Continuous Insurance |
| No Accidents or Violations |
| Paid in Full |
| Homeowners |
| Auto Pay |
| Assurance America |
| 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 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++ |
OTHER HELPFUL LINKS: SUGGESTIONS
- Understanding SR22 Filing and why you might need to add it to your New York Liability Insurance.
- Get A Motorcycle New York Insurance Quote Now!
Last Updated on by Marlon Moss