New York Car Insurance

New York is a state that is so wide that it’s hard to pinpoint an exact coverage for their car insurance. No matter where you’re located you’ll find out fast margin in the insurance rates you’ll be getting. From Buffalo all the way to New York City the rates are impeccable. You can experience rates are so expensive it may turn you around from even getting car insurance. but hey as unique as New York is, will show you exactly what you need to know about car insurance in the state of New York and how you can save each month. 

Required Coverages

 One of the busiest states in America here are the minimum requirements you need.

  • $25,000 in bodily injury coverage per person
  • $50,000 in bodily injury coverage per accident
  • $10,000 in property damage car accident

Also to add on to the portion of the liability insurance you will also need personal injury protection as well as uninsured motorist coverage.

  • Personal injury protection must have a minimum of $50,000
  • Uninsured motorist coverage has had the same rates has minimum liability insurance. So in this case 25 – 50 – 10.

Optional Coverages

 Of course because of how busy the state is you can run the risk of many variables affect your car insurance. For example, if you get your car still in New York City, be aware that you see an incredible hike in your insurance. To hear some optional coverages you can take into consideration as a driver in the state of New York.

For you to get a full detailed list of what coverages you’re entitled to speak to your insurance company for more information. 

Is New York a No-fault State?

Like their neighbour New Jersey, New York is also considered a no-fault state. Your insurance company will have you covered in an accident regardless of who’s at fault.

Average Cost of Insurance in New York

Car insurance may not be as expensive as you think it is, especially for the city that never sleeps? Hey with all the traffic it has you’re only looking at about 11% more than it would everyone else is paying across the states. This means that you would be looking at about just under $1,600 each year.

You may feel like this might not actually fit your needs simply because you live in Upstate New York.  Living in Upstate New York means that you’re in the city that never sleeps, taking local Transit at all times relying on taxis and Ubers. So with that in mind why exactly do you need car insurance if you located in Upstate New York? It simply because regardless of the case if you have a vehicle in your name you are required to have car insurance. If you fail to abide by these rules the DMV will suspend your license and revoke it. Worst case scenario you don’t want that because you’d be in a position where you don’t have a license to drive a vehicle if you want to get one. To assess your situation and figure out the best course of action, if you live in Buffalo why not have car insurance. Have enough to keep you protected and give you that peace of mind. Where is if you live in Upstate New York to take the minimum insurance coverage pay the least amount you can if you don’t even drive a vehicle.

 If you’d like more information on car insurance and how it affects you in the state of New York contact your local agent here and we’d be able to help. We’ll be able to structure an insurance plan that’s right for you and also make it as affordable as we can. So what are you waiting for? Give us a call.