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Affordable Auto Insurance in New York
Looking for affordable auto insurance in New York? Get quotes, compare rates, and find the best car insurance options with Long Island Risk Placement (LIRisk.com). We specialize in providing personalized car insurance solutions across NY, ensuring you have the necessary coverage tailored to your needs.
New York Car Insurance Coverage Options
Liability Car Insurance
Stay protected from potential lawsuits and damages with our liability coverage.
Comprehensive Car Insurance
Get full coverage, including protection from theft, vandalism, and natural disasters.
Full Coverage Car Insurance
Ensure your vehicle is fully insured with both liability and collision coverage.
Commercial Auto Insurance
If you drive a business vehicle, we provide specialized coverage to keep your business on the road.
Talk about Collector Auto
Required Auto Insurance Coverages in New York
New York law mandates minimum auto insurance coverages. However, we recommend higher limits to ensure full protection.
📌 Liability Insurance (Bodily Injury & Property Damage)
• Required Minimums in NY:
• $25,000 per person / $50,000 per accident (bodily injury)
• $50,000 per person / $100,000 per accident (death)
• $10,000 per accident (property damage)
• Our Recommendation:
• $250,000 / $500,000 for bodily injury
• $100,000 for property damage
• Higher limits prevent out-of-pocket expenses if you’re sued.
📌 Personal Injury Protection (PIP) (No-Fault Coverage)
• Required: $50,000 per person
• Covers medical expenses, lost wages, and essential services after an accident.
• Recommended: Higher limits for extra medical coverage.
📌 Uninsured/Underinsured Motorist Coverage (UM/UIM)
• Required Minimum:
• $25,000 per person / $50,000 per accident
• Covers injuries if an uninsured or underinsured driver causes the accident.
• Recommended: Increase to $250,000 / $500,000 to protect yourself.
🛡️ Additional Auto Insurance Coverages for Extra Protection
New York requires basic coverage, but upgrading your policy can prevent financial loss and ensure full protection.
Comprehensive Insurance (Other-Than-Collision)
Covers vehicle damage from theft, vandalism, fire, floods, falling objects, and animal strikes.
Recommended Deductible: $500 or $1,000.
Collision Insurance
Covers damage to your vehicle after an accident, regardless of fault.
Recommended Deductible: $500 or $1,000.
Medical Payments (MedPay)
Covers medical bills for you and your passengers after an accident.
Recommended: $10,000 to $50,000 in additional coverage.
Rental Car Reimbursement
Covers rental car costs while your vehicle is being repaired after a covered accident.
Recommended: $50 per day / $1,500 max coverage.
Roadside Assistance & Towing
Covers the cost of towing, battery jumps, flat tires, and lockouts.
Recommended: Add for peace of mind.
Gap Insurance (For Leased or Financed Vehicles)
It covers the difference between your car’s value and the loan balance if it is totaled.
Essential for leased or new vehicles.
Personal Umbrella Insurance – Extend Your Auto Coverage
We highly recommend adding an umbrella insurance policy to extend your liability limits beyond your auto policy for maximum protection.
Provides an extra $1M to $5M in coverage.
Covers lawsuits from auto accidents, property damage, or injuries.
Affordable protection starting at $200-$500 per year.
Choosing the Right Auto Insurance Limits
Are you unsure which coverage works best for you? Our experts at LIRisk can help you find the right policy.
We recommend:
$250,000 / $500,000 liability limits
Comprehensive & collision with a $500 deductible
$1M umbrella policy for extended protection
Auto Insurance FAQs for New York Drivers
If you have questions about car insurance in New York, we’re here to help. Our experts have compiled a list of common questions to guide you through the process of choosing the right auto insurance policy. Whether you’re wondering how much car insurance costs or which type of coverage is best for you, we’ve got the answers.
Step One
Initial Consultation
Step Two
Customized Proposal
Step Three
Agreement
Step Four
Coverage Begins
Let’s customize a plan for you! Get a quote today.
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