new york liability insurance

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

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.

New York Liability Insurance
Bodily Injury $25,000 per person up to $50,000 per occurrence

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
All it can cost is $81.00 a month for liability only

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.

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Property Damage Coverage $10,000

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

1Cadillac ($32,000)
2Acura ($27,000)
3Ford Truck ($34,000)
4GMC SUV ($20,000)
5Hyundai Sedan ($14,000)
6General Motors Truck ($54,000)
7Volkswagen ($16,000)
8Buick ($23,000)
9BMW ($41,000)
10Lexus ($45,000)
11Audi ($28,000)
12Toyota ($19,000)
TOP 10 Insured By A Plus Insurance

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!

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2022 new york liability insurance
Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Improper Lane useMinor3 Years
ParkingNon MovingNA*
Failure to Stop for a Pedestrian Side walkMinor3 Years
Using a Cell Phone with DrivingMinor3 Years
Failure to Secure Load to truck/trailerMinor3 Years
Failure to Use Turn SignalMinor3 Years
No Proof of insuranceNon MovingNA*
DUIMajor10 Years
Failure to YeldMinor3 Years
Failure to maintain Clear Distance (tailgatingMinor3 Years
Crossing over a Center DividerMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years
Violations and their impact on your New York Liability Insurance

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 ratesDiscounts Available
HighAdvanced Quote
MildEducation Discount
HighAuto Pay
HighNo Accidents or Violations
MildMulti Vehicle
MildMilitary
MildPaperless Discount
Very HighContinuous Insurance
MildHomeowners
Positive Rating Factors

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!

1280Px Logo Of The Progressive Corporation.svg
2022 new york liability insurance
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
2022 new york liability insurance
Dairyland
Continuous Insurance
Auto Pay
Married
Paid in Full
Multi Policy
Military
No Accidents or Violations
Multi Vehicle
Homeowners
Mendota Auto Insurance Logo
Mendota Auto Insurance Logo
Mendota Advantage Auto
Paid in Full
Homeowners
No Accidents or Violations
Auto Pay
Multi Vehicle
Continuous Insurance
Married
Travelers 2
2022 new york liability insurance
Travelers
Continuous Insurance
Homeowners
Multi Policy
Married
Paid in Full
No Accidents or Violations
Auto Pay
Multi Vehicle
Thegeneral 2
2022 new york liability insurance
The General
No Accidents or Violations
Homeowners
Paid in Full
Multi Vehicle
Auto Pay
Continuous Insurance
Married
Gainsco 1
2022 new york liability insurance
Gainsco
Multi Vehicle
Married
Continuous Insurance
No Accidents or Violations
Paid in Full
Homeowners
Auto Pay
Assurance
2022 new york liability insurance
Assurance America
Multi Vehicle
Homeowners
Married
No Accidents or Violations
Continuous Insurance
Paid in Full
Auto Pay
RankCompanyAverage price
1Dairyland (Viking)$96.00
2Progressive$106.00
3Bristol West$109.00
4The General$120.00
5Liberty Mutual$128.00
6Mendota$129.00
7Travelers$135.00

DON’T BE AVERAGE WE CAN SAVE YOU MONEY FOR NEW YORK LIABILITY INSURANCE!

Liability Insurance rates in New York CityLiability State Average
$756.85$510.15
New Customers in New York City, New York Save on Average$605.55
Number of Eggs you could buy5420
Pound of bananas you could buy1157
Pound of Potatoes you could purchase853
Number of Candy bars you could buy435
Months of Netflix you could afford with your savings43
Number of Peanuts you could buy107568
SAVINGS!
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2022 new york liability insurance

Cheapest Auto Insurance in New York – New York Isn’t alone in having a State minimum requirement.

stateMinimum Coverage RequirementsAverage Cost of Minimum Liability Coverage
Alabama25/50/25$435
Alaska50/100/25$467
Arizona15/30/10$482
Arkansas25/50/25$458
California15/30/5$611
Colorado25/50/15$510
Connecticut25/50/20$790
Delaware25/50/10$839
District of Columbia25/50/10$678
Florida10/20/10$948
Georgia25/50/25$640
Hawaii20/40/10$354
Idaho25/50/15$337
Illinois25/50/20$462
Indiana25/50/25$372
Iowa20/40/15$274
Kansas25/50/25$468
Kentucky25/50/25$738
Louisiana15/30/25$765
Maine50/100/25$312
Maryland30/60/15$858
Massachusetts20/40/5$478
Michigan20/40/10$1,219
Minnesota30/60/10$625
Mississippi25/50/25$482
Missouri25/50/25$688
Montana25/50/20$316
Nebraska25/50/25$389
Nevada25/50/20$836
New Hampshire25/50/25$427
New Jersey15/30/5$912
New Mexico25/50/10$370
New York25/50/10$1,295
North Carolina30/60/25$444
North Dakota25/50/25$349
Ohio25/50/25$320
Oklahoma25/50/25$445
Oregon25/50/20$578
Pennsylvania15/30/5$374
Rhode Island25/50/25$790
South Carolina25/50/25$537
South Dakota25/50/25$314
Tennessee25/50/15$358
Texas30/60/25$708
Utah25/65/15$536
Vermont25/50/10$314
Virginia25/50/20$398
Washington25/50/10$408
West Virginia25/50/25$518
Wisconsin25/50/10$330
Wyoming25/50/20$264
State Minimum Liability Requirements
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2022 new york liability insurance

WHO ARE THE BEST NEW YORK CITY LIABILITY INSURANCE?

COMPANYJ.D. POWER CLAIMSA.M. BEST RATING
Erie Insurance879A+
Mercury837A
MAPFRE Insurance842A
Auto-Owners Insurance870A+
Auto Club of Southern California Insurance Group866A+
Esurance844A+
American Family Insurance857A
Travelers865A++
NJM Insurance Co.868A+
Farmers Insurance865A
MetLife867A+
State Farm878A++
USAA900A++

OTHER HELPFUL LINKS: SUGGESTIONS

Last Updated on by Marlon Moss