Whether you’re commuting to the Big Apple, escaping to tranquil Saratoga Springs or road tripping to the Catskills, New York offers many exciting, world-renowned destinations. But before you head out again, know that Nationwide can offer dependable protection for you and your car anywhere in the Empire State.
Before you get a quote, make sure to visit our auto coverage page to learn about what coverage types are right for you.
Minimum New York insurance coverage
As a resident of New York, there are two types of liability coverage your insurance policy must include: property damage and bodily injury.
- Property damage safeguards your assets if you are found legally responsible for a covered accident. It covers certain damage you may cause to the property or vehicle of another party.
- Bodily injury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.
- Personal injury protection (PIP) may reimburse a portion of wage loss, medical expenses and essential services incurred as a result of an accident to eligible injured parties (i.e. passengers or pedestrians).
New York is a state where carrying no-fault insurance is mandatory. If you happen to get into a car accident, no-fault insurance will reimburse you for any hospital or medical expenses, wage losses from an inability to work, and if necessary, any funeral costs. No-fault insurance will cover these expenses regardless of who is responsible for the accident. It does not, however, cover any damage to your car.
Teen driving laws in New York
Young drivers are eager to get out on the road and experience that kind of freedom for the first time in their lives. To ensure safety on the road for everyone, it’s important to become familiar with the laws for new drivers in New York.
While certain steps are different between New York City and New York State, when a teenager turns 16, they can apply for a learner’s permit. After having a learner’s permit for at least six months, teens may apply for a junior driver’s license, followed by an unrestricted license once they turn 17 years old. You can learn more about being a young driver in New York here.
Take advantage of Nationwide's features
Nationwide makes it easy for you to find dependable auto insurance in New York. We can show you options so you can choose the coverage that's right for your needs, goals and budget.
Explore the features below to learn more about what we can offer you:
On Your Side® Claims Service
Choose a shop in our network to get a written guarantee on repairs for as long as you own your vehicle.1
Discounts helping you save
We offer many ways to help lower your auto insurance rates. See the many ways you can save with qualifying discounts.
On Your Side® Review
Enjoy a free consultation with an agent who's here to help you get the protection you need at the price that's right for you.
Resources at your fingertips
Make payments, print ID cards, report claims and more, quickly and easily online. We even have a mobile app for on-the-go account access.
New York car insurance discounts
Find out which discounts can be applied to your policy by applying online for a quote or speaking with your local agent. Nationwide offers a range of car insurance discounts that can help lower your monthly premium, you may be eligible for these exclusive discounts below:
When you have Nationwide as your insurance provider you can bundle your car insurance policy with home, renters, boat, and multi-car. By protecting your property with Nationwide, you can save money and simply your life.
SmartRide rewards safe driving. Get an instant discount when you sign up. The safer you drive, the higher the discount you could earn.2
Nationwide offers a student discount for drivers age 16 to 24 who maintain a B average or better and are full-time students.
This discount applies to drivers age 55+ who have completed and passed a state-approved defensive driving safety course.
If you have an anti-theft device installed in your car you may be eligible for a discount. Savings vary based on the type of device installed. Proof of installed device may be required.
It is important to maintain a clean driving record. If you have at least 5 years of safe driving, you could be eligible for safe driver discount.
Get a one-time discount for setting up monthly recurring bill pay from your checking or savings account.
When you maintain an accident-free driving record you could earn up to 10% reduction in your monthly premium.
Nationwide coverage in New York
 Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.
Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.