Car Insurance in New York City

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Mercury Car Insurance in New York City

At Mercury, we specialize in providing comprehensive auto insurance that meets the specific needs of New York City drivers. From the congested avenues of Manhattan to the expansive expressways leading to the outer boroughs, our policies are designed with the city driver in mind.

Why Mercury for NYC Car Insurance?

Local expertise: Our local New York agents are experts in NYC’s specific conditions and can help you find the right coverage for your needs.
Competitive rates: Mercury offers affordable premiums with various discounts available for safe driving, anti-theft devices, multi-car policies, and more.
24/7 claims: Our quick and easy claims process ensures you can return to your life with minimal disruption, no matter the time or day.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in New York City?

In New York, motorists must have insurance to operate a vehicle legally. Driving without insurance can result in severe penalties, including fines, license suspension, and vehicle impoundment.

Legal Requirements to Drive in NYC

According to the New York State Department of Financial Services, the state requires all drivers to carry a minimum level of liability insurance, which includes:

Bodily injury liability: $25,000 per person, $50,000 per accident, $50,000 for death liability per person, and $100,000 for death liability per accident. This coverage helps pay for the other party’s medical bills in case you’re at fault in an accident.
Property damage liability: $10,000 per accident. This coverage pays for damages to another person’s property resulting from an accident for which you are at fault.
Personal injury protection (PIP): $50,000. This no-fault coverage helps with medical expenses, lost wages, and other injury-related losses, regardless of who caused the accident.
Uninsured motorist coverage: $25,000 bodily injury per person and $50,000 bodily injury per accident. This is also mandatory and protects you in case you’re involved in an accident with a driver who doesn’t have insurance.

Optional NYC Auto Insurance Coverages

While the law mandates certain types of coverage in New York, several optional coverages can provide additional protection and peace of mind. Consider these options to tailor your auto insurance policy to your needs:

Collision protection: This covers damage to your vehicle resulting from a collision, regardless of who’s at fault. It’s particularly valuable in a city known for its high traffic density.
Comprehensive coverage: This protects you against damage to your car that’s not caused by a collision, such as theft, vandalism, fire, or environmental damage like flooding, which can be a concern in areas like NYC.
Roadside assistance: This service offers help if you break down in the city, providing services like towing, flat tire changes, and jump-starts.

What Does NYC Auto Insurance Not Cover?

While auto insurance provides essential protection, there are several circumstances and events that standard policies don’t typically cover. Here are some common exclusions:

Personal belongings: Standard auto insurance policies don’t cover personal items stolen from your vehicle or damaged in an accident. Consider homeowners or renters insurance to get this coverage.
Wear and tear: Auto insurance doesn’t cover normal wear and tear on a vehicle, including mechanical breakdowns or issues arising from car aging.
Intentional damage: Your auto insurance policy won’t cover any damage you intentionally cause to your vehicle.
Commercial use: If you use your personal vehicle for commercial purposes, such as making deliveries or driving for a ride-sharing service, you’ll likely need business auto insurance.

Get Cheap Auto Insurance in NYC from Mercury

Navigating the roads of New York City can be a challenge, but finding affordable auto insurance shouldn’t be. Whether you’re commuting daily through Manhattan’s bustling avenues or parking in the quieter streets of Brooklyn, Mercury provides comprehensive coverage that doesn’t break the bank.

Save More with Discounts

At Mercury, we understand that every penny counts. That’s why we offer an array of discounts to our customers. From good driver and multi-car discounts to anti-theft devices and good student discounts, you have several ways to save on your auto insurance. Contact your local agent to discuss these options and determine which discounts apply to you.

Bundling with Mercury

Bundling your auto policy with home or renters insurance helps you save money and simplifies your insurance management by keeping all your policies under one provider.

New York City home insurance: Protecting your home is just as important as protecting your vehicle. Our home insurance policy provides comprehensive coverage for your home, personal property, and liability protection.
New York City renters insurance: If you’re a renter, our coverage can help protect you and your personal belongings from unexpected events like fire, theft, or water damage.

Manhattan, New York City Downtown View with Skyscrapers and Traffic in the Street.

New York City Car Insurance FAQ

How much is car insurance in NYC?

According to Value Penguin, the average cost of car insurance in New York City is $305 per month for full coverage, which is much higher than the national average of $164 per month.

How do I find a Mercury Agent in NYC?

Visit the New York Insurance Agents page to find one in your area.

How to find the cheapest car insurance in New York City?

Mercury is committed to providing affordable, quality auto insurance to New York City drivers. With our competitive rates, exceptional customer service, and various discounts and bundling options, we make finding cheap car insurance a breeze.

What products does Mercury offer in New York City?

Several products are available to NYC residents, including: