Cheap Liability Car Insurance in New York


A fast, easy experience in finding cheap liability auto insurance in New York.





Why You Should Get Liability Car Insurance in New York



Boiled down to its simplest terms, a liability car insurance policy is a policy that you are legally required to possess. Having liability car insurance in New York covers injuries and damages during an accident where you are found at fault. However, it offers zero protection for almost any personal medical bills or car repairs, meaning that it will also require additional coverage on top. The major reason for this is because it is illegal to drive without at least having liability car insurance in New York. Another reason is that it can save you from financial upsets, if you are the one at-fault in the accident. Medical costs and auto repairs can be extremely pricey, and since liability premiums are relatively low, it is worth more than its rate. The fact that it is also legally required ought to make this a pretty simple choice!

Cost of savings for liability car insurance in New York for teens vs full coverage

58 %

Cost of savings for liability car insurance in New York for 30s vs full coverage

34 %

Cost of savings for liability car insurance in New York for 40s vs full coverage

53 %

Average Price of Liability Coverage Car Insurance in New York by Age



  • 7,245.01

    Teens

    Average cost of liability car insurance in New York for those in their teens.

  • 2,884.12

    20s

    Average cost of liability car insurance in New York for those in their teens.

  • 2,185.13

    30s

    Average cost of liability car insurance in New York for those in their 30s.

  • 2,143.78

    60s

    Average cost of liability car insurance in New York for those in their 60s.


What Does Liability Car Insurance Cover in New York

Liability coverage with car insurance falls under two main types: bodily injury liability and property damage liability. Bodily injury liability covers medical expenses and any lost pay for people injured in a crash that you caused, whereas property damage liability covers repairs and replaces others’ properties and vehicles that have been damaged in a crash that you caused. This also includes government property, such as mailboxes and lamp posts. If you are at-fault in an accident and are sued, then liability coverage will pay first, protecting your assets from being seized. However, a liability car insurance policy in New York only pays up to the limits mentioned in your coverage - and then you will be accountable for the remainder. Liability limits are usually shown in three numbers, citing the most that your provider will pay for an accident that you caused. The average coverage arrangement has 100/300/50 liability limits.
liability car insurance New York NY content image

Each state may have specifications on policy, but accountability is the minimum required inNew York. If you don't have it at the least you could be getting a ticket you are most likely to have your license suspended until you have provided proof of insurance.


Types of Cars that Get Liability Car Insurance in New York


On average, the cars that receive liability auto insurance are going to be the ones that you owe nothing on, or that have little value. And since you do not have a loan on the vehicle, and you don't own a great deal of money on it, then you're fine with losing it if it's a whole loss. In cases where the vehicle means nothing to you, or where you could financially fix it if an accident happened, then liability insurance is going to be good enough. If the vehicle is of value, then keeping Liability Only Insurance isn’t financially sound. But if the vehicle is only worth a couple-hundred dollars, then carrying Liability Only Coverage may be enough. Bear in mind that you probably still cannot have a loan on it, and that you would need to be able to handle all repairs made out-of-pocket. However, many motorists out there are comfortable with taking on this size of risk. Before decreasing your insurance, make sure to analyze your personal needs, your own driving record, your general budget, and the total amount of risk that you would like to avoid while driving. Compare different kinds of auto insurances in New York that are available, as well, prior to decreasing your auto insurance.

Car With Lowest Collision Loss - Mercedes-Benz Sprinter 2500 4WD

57 %

Car With Highest Collision Loss - Audi RS7 4DR 4WD

329 %

Car With Lowest Damage Liability Loss - Chevrolet Corvette Z06 convertible

69 %


Lowest Average Rates for Liability Car Insurance in New York by Company


Insurance CompanyAnnual Average Rate Liability Coverage Rate
Mapfre797.75
American Family1,648.89
Travelers2,367.46



liability car insurance New York NY content image

When Do You Not Need Liability Car Insurance in New York

If you own an older car or what's considered to be a junk car, then paying full coverage might not be well worth it. Since the price of repairs will exceed the whole value of the automobile, the vehicle will be probably considered by your insurance provider as a total loss in event of a minor injury. On the reverse side, if that you own a more expensive car, then foregoing a liability coverage for a more full coverage plan will mean that your wallet won't hurt as much should your car or truck be involved in an accident or get damaged out of an collision. Instead of writing off it, your insurance carrier might pay to fix the vehicle. What happens to your car is determined by the expense of the repairs along with your vehicle's whole value. Liability is a better choice if you're okay with possibly paying damages to your vehicle or accidents to passengers, your car is valued below a certain level and old, and you require a policy which meets with state minimum requirements.



How to Get the Best Liability Car Insurance in New York

When choosing which liability auto insurance to buy, you have to read the facts of your coverage carefully. Liability insurance is there to cover the cost of injury that you can cause to other people while driving. This may be the price of healthcare for individuals hurt in a collision, or the cost of damages to other vehicles. Insurers set limitations on how much your policy covers, and then as soon as you calculate that sum, you are responsible for paying the remaining damages. The optimal solution would be to work out how much protection you can spend, and then basing your choice around that. There are many factors within liability coverage that you need to go over, before making your final purchase decision. Everyone's situation is a bit different, which is why it's so important to do the research, or to have someone like us do the research for you!

When deciding on which liability car insurance in New York to purchase, you need to read the details of your policy carefully. Liability insurance exists to cover the potential cost of damage that you may cause to others while driving.