New York Auto Insurance

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If your home is in Buffalo, The Big Apple or anywhere in between, SafeAuto wants to help you find New York auto insurance. While SafeAuto does not currently offer direct coverage in New York, we can still help you find the affordable coverage you need.

Required Coverages

Liability insurance covers bodily injury and property damage claims resulting from an accident that is primarily your fault. The limits in your policy are the maximum amounts your insurance company will pay for bodily injury and property damage claims. They are typically expressed as three amounts separated by slashes written as 25/50/10 or 25,000/50,000/10,000

New York’s Financial Responsibility law requires you to maintain liability limits of at least:

  • $25,000 | Bodily Injury per Person

    The first number is the maximum amount that your policy will pay for bodily injury to or death of one person in any one accident

  • $50,000 | Bodily Injury per Accident

    The maximum amount that your policy will pay for bodily injury to or death of two or more persons in any one accident, subject to the $25,000 per person limit.

  • $10,000 | Property Damage

    The maximum amount that your policy will pay for damage to or destruction of property of others in an accident.



Liability Insurance

This insurance covers you if you are at fault

Liability insurance protects you against the claims of other drivers for their injuries or damage to their vehicles in the event that you cause an accident, up to the limits of liability in your policy. Most states require that drivers have liability insurance up to certain minimum limits. Find out New York's minimum limits above.

Bodily Injury Liability Insurance

In most states, bodily injury coverage pays for claims related to injuries to other persons vehicles involved in an accident that you caused.

Example: You cause an accident with another driver who has three passengers in her car. If you have liability insurance, you are covered against any bodily injury claims filed by the driver or her three passengers up to the limits of your policy.

Property Damage Limit Liability Insurance

If you cause an accident, your liability insurance will cover property damage claims resulting from the accident up to the limits of your policy. Property damage includes damage to the other vehicle, as well as damage to other property such as buildings and telephone poles that might be damaged in the accident.

Example: Suppose you rear-end the driver in front of you at a stoplight. No one is hurt but there is damage to both cars.


Comprehensive Insurance

Coverage for situations like theft or falling damage

Comprehensive insurance coverage (often referred to as "comp coverage") is an optional coverage and like collision coverage, covers your vehicle. The main difference is that comprehensive insurance covers the things you have little to no control over. Comprehensive insurance coverage includes: theft, natural disasters, falling objects, animal damage, fire damage, and vandalism.

Example: While your car is parked outside, a strong storm drops large hail and knocks a tree limb off of a tree that damages your car. Depending on your deductible insurance would cover the difference.

Collision Insurance

Coverage for your car in case of collision

Even if you consider yourself a safe driver and believe the chance of being at fault for an accident is small; you may still benefit from this added coverage. Fault in an accident is not always clear cut and depending on the laws in your state; you may be responsible to pay for part or all of the costs to repair your vehicle. If you are not in a position to do that or replace your vehicle, collision insurance coverage remains a great option.

Collision insurance is an optional coverage; often purchased with comprehensive coverage. It will help cover the cost of repairs if your vehicle is involved in a collision; less than the deductible you select at purchase.

Example: You're sitting at a light while driving safely and someone rear ends you. Your collision coverage would help cover the costs of repairing your car after the amount of your selected deductible.

Uninsured / Underinsured Motorist Insurance

Coverage for protection from uninsured motorists

Uninsured Motorist Bodily Injury

Covers damage for bodily injury if you’re hit by an uninsured or underinsured driver.

Example: You're involved in an accident with someone who doesn't have car insurance. Your uninsured driver bodily injury coverage will cover medical costs that you may incur. Your deductible may apply to the situation.

Uninsured Motorist Property Damage

Covers property damage if you’re hit by an uninsured or underinsured driver.

Example: You're involved in an accident with someone who doesn't have car insurance. Your uninsured driver coverage will cover the cost to repair or replace your vehicle based on your policy. Your deductible may apply to the situation.


Under New York law, you are required to provide documentary proof of financial responsibility when registering your vehicle or at the request of law enforcement officials.

Insurance companies are required to notify the New York Department of Insurance whenever a policy is issued or terminates. The Commissioner may then request verification of coverage from you.

If you are unable to produce proof of liability coverage when requested, the penalties can be harsh; including suspension of vehicle registration and/or driver’s license, plus daily civil penalties for each day financial security/proof of financial responsibility is not in effect.

In addition to statutory penalties, if you cannot show proof of financial responsibility, fail to pay a judgment entered against you for damages resulting from an automobile accident, or need to reinstate your license after conviction for certain types of violations, you will be required to obtain an SR-22 Certificate of Financial Responsibility.

Related Links:

New York Department of Motor Vehicles

If you have any further auto insurance questions please visit the FAQ page or contact the SafeAuto Customer Service Department at