NY Car Insurance That Actually Saves You Money

Yes. New York State law requires all registered vehicles to carry minimum liability insurance. This includes at least $25,000/$50,000 bodily injury liability, $10,000 property damage liability, $50,000/$100,000 uninsured motorist coverage, $50,000 no-fault (PIP) coverage, and $25,000/$50,000 supplementary uninsured/underinsured motorist coverage.

New York is a no-fault state, meaning your own insurance pays for your medical bills and lost wages after an accident regardless of who caused it. This is called Personal Injury Protection (PIP). The minimum required no-fault coverage in NY is $50,000 per person.

The average annual car insurance premium in New York City ranges from $2,800 to $3,400 depending on your borough, driving record, vehicle, and coverage level. Brooklyn and the Bronx tend to be the most expensive, while Staten Island is typically lower. We help NYC drivers save an average of $342/year by comparing rates from 30+ carriers.

An SR-22 is a certificate of financial responsibility that proves you carry the state-required minimum insurance. In New York, it is called an SR-22 or sometimes an FS-1 filing. You may need one after a DUI/DWI, driving without insurance, or accumulating too many violations. We specialize in finding affordable coverage for drivers who need SR-22 filing.

Yes. In New York, you can obtain car insurance with a valid foreign driver's license or International Driving Permit. Some carriers are more flexible than others — as your broker, we know exactly which ones accept international licenses and can get you covered quickly.

Yes. NYC rideshare and TLC drivers must carry a TLC-compliant insurance policy that meets higher liability minimums than standard personal auto insurance. This includes $100,000/$300,000 bodily injury liability and $200,000 SUM coverage. We are TLC insurance specialists and can set you up with a compliant policy at a competitive rate.

There are several ways to lower your premium: complete a NY-approved defensive driving course (saves up to 10% for 3 years), bundle auto with home/renters insurance (up to 25% off), maintain a clean driving record, install anti-theft devices, choose a higher deductible, and ask about low-mileage discounts if you drive less than 7,500 miles per year.

Driving without insurance in NY is a serious offense. Penalties include suspension of your driver's license and registration, fines of $150-$1,500, a mandatory civil penalty of $750, and possible jail time for repeat offenders. Your registration can also be revoked, and you'll need an SR-22 filing to get it back.

You can get a quote in as little as 60 seconds. Just enter your phone number and one of our agents will contact you with personalized rate comparisons from multiple carriers. No lengthy online forms — we handle the comparison work for you.

Yes. We provide commercial auto insurance for businesses of all sizes including delivery fleets, trucking companies, car services, food delivery drivers, and contractors. Our commercial policies are tailored to your business needs and we handle the paperwork to keep you compliant.