GEICO has great rates and superior car insurance in areas like Albany and Utica to keep you safe while driving in the great state of New York. Geico, USAA, Erie Insurance and NYCM Insurance also offer affordable auto insurance with full coverage for motorists. Older policyholders also qualify for a variety of auto insurance discounts, such as discounts to avoid accidents on the road. Geico offers affordable car insurance premiums for New York drivers, especially those with bad credit.
The availability of discounts may vary by state, so you'll need to talk to an insurance agent to find out what auto insurance discounts you're eligible for. Others may be looking for the convenience of mobile apps or a company that offers the most discounts on auto insurance. The table below compares the auto insurance discounts offered by major Empire State providers, which we'll discuss in more detail below. A person's age, driving history, and credit ratings can significantly affect the cost of car insurance in New York.
Car insurance rates vary from state to state, but they also vary between different places within the same state. Next, we explain what coverage you need to drive legally, what are the minimum limits of liability required by your state, and what types of car insurance you might need to be truly protected. While finding affordable coverage can be a challenge, several providers still offer cheap car insurance in the Empire State. With a no-fault system, your car insurance pays the medical bills and out-of-pocket expenses of anyone included in your policy, regardless of who caused the accident.
New York car insurance laws only require that you insure yourself against bodily injury and property damage, so it's your choice if you want to add coverage for yourself, your passengers and your vehicle.