No-fault insurance. 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., Auto Insurance Quotes in New York. Car insurance in New York is essential for every driver, ensuring protection on the bustling city streets and quiet country roads alike. Whether you're commuting in New York City or exploring the scenic routes upstate, having the right coverage is key to safeguarding yourself and your vehicle., Car insurance quotes in New York. New York drivers pay $1,231 for a six month policy — 14% more expensive than than the U.S. average. [1] However, auto insurance cost is not just about where you live — factors like age and driving history play a big role. 39% feel they're overpaying, but for those who value top-notch service and coverage, New York Central Mutual (NYCM) or Progressive are , After thoroughly evaluating 24 insurance companies in New York, NerdWallet’s editorial team has put together a list of the best car insurance companies.We based our ratings on important factors , The New York Department of Motor Vehicles (DMV) has a system, called the Insurance Information and Enforcement System (IIES), that detects uninsured vehicles. Insurers are required to report to the DMV information, such as cancellations, renewals, and issuance of new policies, on all persons they insure for motor vehicle insurance., We found that Progressive has the cheapest car insurance in New York, with an average yearly rate of $926, and Mercury is the most expensive, with an average premium of $4,625 annually..