NYCM | Auto Insurance

NYCM Insurance
3.5
NYCM auto insurance offers reliable coverage, competitive rates, and trusted protection on the road.

Average Premium

  • Full Coverage $3758 / year
  • Min Coverage $952 / year

Coverage States

  • NY

Rates by Driver Profile

Driver profile New York Central Mutual National Average
Good driver, good credit $3,758 $2,697
Good driver, poor credit $7,081 $4,745
Speeding ticket with good credit $4,506 $3,299
At-fault accident with good credit $3,771 $3,862
DUI conviction with good credit $5,459 $5,287

Disclaimer: We are an independent information site, not an insurance company. All figures are estimates for comparison only; table data represents full coverage premiums. Please verify final quotes and terms directly with the insurer.

Pros & Cons

Pros
  • Wide range of car insurance discounts offered
  • Optional tiered roadside assistance add-on for car insurance policies
  • Some drivers may qualify for split or single-limit auto insurance coverage
Cons
  • Mobile app has low ratings on the App Store and Google Play
  • Policies are offered only in New York state
  • An agent is required to buy or change a policy; purchases and modifications cannot be done online or via the app

Discounts

  • Driving training: Drivers under 21 who complete an approved course may qualify for an auto insurance discount. The savings for finishing the program vary by age, typically between 6% and 10%.
  • Coupler discount: If the named insured also holds an umbrella, homeowners, or renters policy with NYCM, they may receive up to a 25% discount on their auto insurance.
  • Daytime running lamps: Vehicles equipped with daytime running lights may be eligible for a discount of up to 3% on their NYCM auto policy.
  • Airbag/automatic seat belt discount: If a vehicle is factory-equipped with airbags or automatic seat belts, or has multiple airbags, the medical payments and personal injury protection portions of the policy may qualify for up to a 30% discount.

Details

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