New York Car Insurance

Printer Friendly

The Empire State

GEICO Loves New York

  • GEICO is the #1 auto insurance company in the state of New York*.
  • GEICO has major offices in Buffalo and Long Island.  Together they employ over 4,000 New Yorkers.
  • GEICO offers car insurance in all cities and towns in New York – from Rye to Rochester, from NYC to Niagara Falls.

Get a New York auto insurance rate quote

You can start your New York car insurance rate quote and then manage all of your policy needs online. From paying your bill, to making changes to cars or drivers on your policy, to reporting a claim — it's all at your fingertips. GEICO is available 24 hours a day, 365 days a year.

New York Auto Insurance Requirements

  • You must have NY liability insurance as long as your car is registered in New York (even if it's just sitting in your garage or in another state).
  • Your NY liability insurance must be with a company authorized and licensed by the New York State Insurance Department. No out-of-state insurance!
  • Your NY liability insurance must be in the same name as the registration.
  • No insurance, no plates!  If your insurance ends or lapses, return your license plates to the New York State DMV immediately.
  • If your insurance lapse is 90 days or less, you may have the option to pay a civil penalty instead of turning in your plates ($8 to $12 per day).

New York Minimum Insurance Coverages

  • Bodily Injury Liability: $25,000/$50,000 Limit
  • Property Damage Liability: $10,000 Limit
  • Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
  • Personal Injury Protection: $50,000 Limit

Did you know?

New York was the first state to require license plates for cars.

Graduated Driver's Licensing in New York

Graduated licensing introduces beginners to the driving experience in a low-risk manner, protecting both new drivers and others. The IIHS has resources for GDL laws in New York and our teen driving section also offers a more comprehensive explanation.

Surf the State

We've created a few shortcuts to help save you time:

Accident Prevention Program

When you become a GEICO policyholder, you could be eligible for a discount by passing an authorized accident prevention program in New York.

GEICO's Top 10 Cities in New York

1. New York City, 2. Buffalo, 3. Rochester, 4. Yonkers, 5. Syracuse, 6. Albany, 7. New Rochelle, 8. Mount Vernon, 9. Schenectady, 10. Utica

*2011 A.M. Best Market Share Report

Contact Us

By Email By Phone By Mail

Start your free quote

Learn More

New York City Car Insurance

Select Another State

Insurance Terms