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Niagara Falls, New York Car Insurance
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Reliable car insurance for life in Niagara Falls
Having the right insurance matters, especially in a city like Niagara Falls where a steady stream of tourists from the United States and Canada visit the iconic destination annually. Protection for the unexpected is a precautionary measure that helps ensure you’re prepared for whatever life throws your way. That’s where auto insurance from Plymouth Rock Assurance comes in.
With benefits like 24HR Roadside Assistance†††and hassle-free claims, we know convenience is important to our customers. Whether you are driving to Goat Island for picturesque views of Three Sisters Islands or exploring the history of Old Fort Niagara, you can count on coverage that keeps up with your adventures through Niagara Falls.
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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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.
‡ NerdWallet and the NerdWallet logo are trademarks owned by NerdWallet, Inc. and used with permission.
†††Roadside assistance is provided by a third-party vendor. Up to two gallons of gas are provided at no charge (delivery of gas limited to four (4) times in any twelve (12) month period). Other fluids provided at additional cost. If your car is disabled, it will be towed to the closest dealer or authorized repair facility of your choice within 25 miles. If there is no repair facility within 25 miles, then it will be towed to the closest repair facility, with no out-of-pocket expense (towing limited to six (6) occurrences in any twelve (12) month period). Roadside assistance is not available for vehicles that are disabled as a result of an accident. A $75 limit applies to reimbursements for roadside assistance services that were not obtained by contacting the third-party vendor. If a service call is not cancelled before the service provider is on their way, or the policyholder is not present when the service provider arrives, it will count towards their usage limit even if no service is provided. Customer is solely responsible for payment directly to the service provider for any fees for accommodations arranged by Concierge Services.
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