Best Cheap Auto Insurance in New York

Looking for the cheapest car insurance in NY? There are a few things to know about car insurance in NY before you start looking for car insurance quotes in NY, including the minimum amount of auto insurance coverage required and some additional laws related to driving in New York.

First of all, auto insurance in New York is required by law, and New York is a no-fault state, which means the amount of auto insurance in NY that you need can differ from what you might need in other states. Proof of insurance should be present in the vehicle at all times. Everyone should be aware of the laws to avoid hefty fines.

Cheapest Auto Insurance Quotes in New York

It’s important as you’re searching for cheap car insurance in NY to make sure that you obtain the full level of coverage that you need. For this reason, be sure that you purchase your auto insurance in New York from a reputable insurance agent. A car insurance agent should help you find cheap car insurance in NY and ensure that proper coverage is obtained so that both the vehicle and passengers will be properly protected.

New York Car Insurance Facts

Car Insurance in New York is Mandatory. Every person in New York, even if they’re carrying the cheapest car insurance in NY, should have at least $25,000 for bodily injury liability, $50,000 for bodily injury liability for two or more people, and $10,000 for property damage liability. "No-fault" coverage of $50,000 also is required.

Must Have Proof of Financial Responsibility. Liability coverage must be issued and must remain in the name of the registrant, and there must be proof of financial responsibility at all times.

No Fault or Tort State. New York follows the no fault rules. This means that the insurance company will pay a portion regardless of who was at fault. Typically, fault must be established, and the person at fault must pay for damages and medical expenses.

Car Insurance Fraud in New York

In New York, the penalty for auto insurance fraud is a civil penalty of $1,000 for the first offense or false identification card and $5,000 for each additional one. Insurance fraud is a big issue in New York, and insurance companies are urging reform to New York’s no-fault insurance system. Under the current law, insurance companies adjust claims without assigning blame for an accident. No-fault insurance seems to make it easier to file fraudulent injury claims.

Alcohol-Related Accidents in New York

In 2014, there were 7,849 accidents in New York related to alcohol, and there were 207 fatalities due to alcohol. By far, men are most often involved in these crashes a result of alcohol.

Unique Driving Laws in New York

In New York, it is illegal to change clothes in your car. Every resident should ensure that they change clothes before they leave home to avoid fines and possible jail time.

Did You Know? Unique Facts About New York Driving

Did you know that New York was one of the first states to make it illegal to use handheld mobile devices while driving? Violating this law can make it harder for you to get cheap car insurance in NY.

Only 911 can be dialed while in motion. Otherwise, a hands-free phone system must be used. Most drivers use Bluetooth to avoid fines of $50 to $200 for having conversations while driving.

Auto Insurance Center Methodology

Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male or female, 35 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.