Paid in full discount
For eligible drivers when they pay their premium up front.
New York Car Insurance
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New York car insurance with protection you can count on.
From navigating traffic in New York City to visiting Upstate New York with family, having the right car insurance matters. New York car insurance requirements are designed to protect everyone, yet minimum coverage might not always be enough. Between congestion downstate and icy conditions near Buffalo, Albany, or the Adirondacks, a Plymouth Rock auto insurance policy can help reduce financial expenses and safeguard your income after an accident.
As a no-fault state, New York requires drivers to carry coverage that helps pay for medical bills and other losses regardless of who caused the crash. From clear guidance when selecting coverage to responsive claims support when the unexpected happens, we’re committed to delivering convenience and confidence at every step.
Why New York drivers choose Plymouth Rock
- Options to select higher liability limits than the state minimum
- Coverage choices for both dense urban traffic and upstate driving
- A convenient mobile app for easy access to policy documents and proof of insurance
- Claims support designed to move efficiently from report to resolution
It’s easy to make the switch to Plymouth Rock car insurance. Start your free quote to learn more.
Car insurance discounts and benefits
New driver family discount
Adding a new driver under the age of 19 to your policy? You may be eligible for a discount.
Bundling discounts
Save money when you have multiple insurance policies, such as auto and homeowners, with Plymouth Rock.1
Got questions? You're not alone.
Common questions about car insurance
Q: What are the minimum requirements for car insurance in New York?
A: New York state law requires that you carry four types of compulsory insurance. Compulsory insurance is the minimum amount of coverage required by law. This includes bodily injury liability (BID), property damage liability (PD), personal injury protection (PIP), and uninsured/underinsured motorist (UM/UIM) coverage.
Q: What are the liability coverage limits for drivers in New York?
A: According to the New York Department of Motor Vehicles, the minimum amount of liability coverage for most vehicles is $10,000 for property damage per accident, $25,000 for bodily injury per person, and $50,000 for bodily injury liability per accident.
Q: Is New York a no-fault state? What does that mean?
A: Yes, New York is a no-fault state, which means you are required to have Personal Injury Protection, or PIP, as part of your car insurance policy. This provides medical coverage for you and your passengers if there is an accident, no matter who is at fault.
Q: What is an underinsured driver?
A: An underinsured driver is someone who has liability insurance, but not enough to cover your injuries due to an accident. New York state requires a minimum limit of $25,000 per person and $50,000 per accident.
Q: How much car insurance do I need?
A: A few factors impact how much car insurance you need. First, you must carry the minimum coverage as required by the state you live in. Next, consider how often and far you drive, as well as whether you want extra protection like collision or comprehensive coverage. You should also think about personal risk, your car’s value, your budget, and how much you are willing to spend on a deductible.
Coverage options available
Compulsory coverage
- Bodily injury liability
- Bodily injury caused by an uninsured auto
- Damage to someone else's property
- Personal Injury Protection (PIP)
Optional coverages
- Collision
- Comprehensive
- Substitute transportation
- Towing and labor
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Being a Plymouth Rock policyholder and sports fan has its perks. Save on home game tickets, get priority access to concerts and events, and enjoy special discounts as a Plymouth Rock customer.
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Plymouth Rock Assurance® and Plymouth Rock® are brand names and service marks used by separate underwriting, managed insurance, and management companies that offer property and casualty insurance in multiple states pursuant to licensing agreements. Each underwriting and managed insurance company is a separate legal entity that is financially responsible only for its own insurance products. A full list of underwriting companies by state can be found on our states licensed & disclaimers page. Actual coverage is subject to the language of the policy as issued. Some discounts, coverages, payment plans, features and benefits are not available in all states and companies, and premiums may vary by purchase method.
1 Certain restrictions, requirements, and limitations apply to our programs, policy features and discount offerings. Discount on homeowners, condo, or renters policy apply when combined with an auto policy written through Plymouth Rock. If the discount is not currently applied, it may be added upon request.
* Average annual savings number of $806 was reported by Plymouth Rock customers in multiple states who saved money by switching between 1/1/2025 and 12/31/2025. Your premium may vary due to the state and underwriting company in which your policy is written, available discounts, driving record and other factors.
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