Car Insurance for New York Drivers
Welcome New York drivers! Looking to get a car insurance quote, or find out more about New York car insurance requirements? The AARP® Auto Insurance Program from The Hartford1 can help. The Hartford has partnered with AARP since 1984 to bring high quality car insurance to New York AARP members and their families.
Whether you’re exploring the natural beauty of the Adirondacks, enjoying a wine tasting in the Finger Lakes or watching an IndyCar race at Watkins Glen, car insurance from the AARP Auto Insurance Program from The Hartford will provide the protection you need to feel secure as you travel along New York’s roadways. With high customer ratings for claim service, The Hartford has earned a reputation for integrity and trust over the years.
Car Insurance Benefits Offered to New York Drivers
New York drivers could be eligible for several valuable benefits from the AARP Auto Insurance Program from The Hartford, including:
12-month Rate Protection
New Car Replacement§§
24/7 Claim Service
Required Liability Insurance Coverages in New York
The following minimum liability car insurance limits are required by New York state law:2
$25,000 for bodily injury, per person per accident
$50,000 for bodily injury, total per accident
$10,000 for property damage per accident
Proof of Car Insurance in New York
It’s a good idea to keep a hard copy of your car insurance ID cards and your registration in your car at all times, should the unexpected happen. In New York, drivers can also provide electronic proof of car insurance. The Hartford offers a mobile app that gives you the flexibility to store your car insurance ID cards on your mobile device so that they are always with you. Visit the App Store™ or GooglePlay™ for more information.
New York Uninsured Driver Facts
According to a 2012 Insurance Research Council report, 5.3% of New York drivers are uninsured. This is well below the national average of 12.6%.3
Being involved in an accident with an uninsured or underinsured motorist could be financially devastating. That’s why New York state law requires drivers to carry uninsured/underinsured motorist car insurance coverage. In New York, your uninsured/underinsured motorist car insurance coverage must have the minimum coverage amounts of2:
$25,000 per person
$50,000 per accident
Additional Car Insurance Coverages Available to New York Drivers
For added protection, New York drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
Comprehensive with Full Glass Coverage
Increased Rental Reimbursement
Staying Safe on New York Roads
As you travel through New York, there are a number of safe driving laws meant to protect you on New York’s highways and byways. Here are just a few:4
New York Seat Belt Laws:
New York is one of 34 states that have a primary seat belt law – which means that law enforcement can ticket a driver or passenger for not wearing a seat belt without any other traffic violation.
New York Distracted Driving Laws:
New York has a number of laws in place to discourage distracted driving:
The use of hand-held cell phones by New York drivers is prohibited by law in New York.
Texting while driving is banned in the State of New York.
New York Teen Driver Laws:
Getting a driver’s license is a rite of passage for all teenagers, and New York wants to be sure they stay safe in the process! New York has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.