New York Car Insurance

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.
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Save with the AARP Auto and Homeowners Insurance Program from The Hartford.
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Discover savings with the AARP Homeowners Insurance Program from The Hartford.

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
  • Lifetime Renewability
  • New Car Replacement§§
  • Accident Forgiveness
  • Disappearing Deductible
  • 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
  • Collision
  • Roadside Assistance
  • Increased Rental Reimbursement
  • Medical Payments

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.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary drivers of your vehicles must retain valid licenses, remain physically and mentally capable of operating an automobile (not applicable in MA), have no convictions for driving while intoxicated and must not have obtained your policy through material misrepresentation. Benefit currently not available in HI, MI, NH, NC and TX.
§§ Limitations apply.
First Accident Forgiveness and the Disappearing Deductible, are only available with the Advantage Plus package. A policy without these benefits is also available. (Call for details.) To qualify for the Accident Forgiveness benefit in most states, all drivers on the policy must have a clean driving record (no accidents or violations) for five consecutive years. First Accident Forgiveness and Disappearing Deductible are not available to CA policyholders. To qualify for the Disappearing Collision Deductible benefit in most states, all drivers on the policy must have a clean driving record for three consecutive years. NY drivers are not eligible for the complete disappearance of the deductible, although it will be reduced to a minimum of $100. The Advantage Plus package option, the Disappearing Deductible benefit and the Accident Forgiveness benefit are not available in all states.
‡‡ One Deductible applies for any Home policy (Home Advantage or not) if Auto policy is also insured with The Hartford and includes the Advantage Plus package coverage.
Additional disclosures below.
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Auto Insurance Program is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. In CA, it is underwritten by Property and Casualty Insurance Company of Hartford; in WA, MI, MN, by Trumbull Insurance Company; in MA by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, Hartford Accident and Indemnity Company; and in PA by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. Auto and Home are currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by Southern County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Southern County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company.