Kiryas Joel Auto Insurance

Last Updated on January 21, 2026

If you drive in Kiryas Joel, New York, your auto insurance needs to fit real-life local driving—busy errands, school drop-offs, commuting patterns, and the kind of winter weather that can turn a quick trip into a fender-bender.

This guide breaks down New York’s required coverages, what drivers often pay in the Kiryas Joel / 10950 area, and how to choose a policy that protects your budget without leaving you underinsured.

Kiryas Joel Auto Insurance at a Glance

NY Minimums Are More Than “25/50/10”: New York requires liability, no-fault (PIP), and uninsured motorists coverage, not just basic liability.
Local Prices Can Swing Fast: Rates in the Kiryas Joel area can vary widely by ZIP, vehicle, and driver profile—comparing multiple quotes is key.
Higher Limits Are Common: Many drivers carry higher liability and add SUM (underinsured motorist) because medical and repair costs can exceed state minimums quickly.
Small Details Matter: Garaging address, annual mileage, deductibles, and driver history often move the price more than the insurer’s brand name.

Table Of Contents

New York Auto Insurance Requirements
How Much Does Car Insurance Cost in Kiryas Joel?
Recommended Coverage for Drivers in Kiryas Joel
Best Car Insurance Companies for Kiryas Joel
Best Auto Insurance Agents in Kiryas Joel
FAQs on Auto Insurance in Kiryas Joel, NY

New York Auto Insurance Requirements

New York’s required auto insurance coverages are set statewide, and minimum limits can change over time. The table below shows the commonly listed minimum coverages required to register and operate a personal vehicle in New York.

Required Coverage	New York Minimum Limit
Bodily Injury Liability	$25,000 per person / $50,000 per accident
Death Liability	$50,000 per person / $100,000 per accident
Property Damage Liability	$10,000 per accident
No-Fault (PIP)	$50,000 per person
Uninsured Motorist (Bodily Injury)	$25,000 per person / $50,000 per accident

Source: New York Department of Financial Services – Auto Insurance Resource Center

What These Coverages Mean in Plain English

Bodily Injury / Death Liability helps pay for injuries (or death) to others if you cause a crash. State minimums can be exhausted quickly in a serious accident, so many drivers choose higher limits.

Property Damage Liability helps pay for damage you cause to someone else’s car or property. With today’s repair costs, $10,000 can be used up fast even in a moderate accident.

No-Fault (PIP) helps cover medical expenses and certain related costs for you and your passengers regardless of fault (New York is a no-fault state).

Uninsured Motorist helps protect you if you’re hit by an uninsured driver or involved in a qualifying hit-and-run. Many Kiryas Joel-area drivers also consider SUM (supplementary uninsured/underinsured motorist) for broader protection.

How Much Does Car Insurance Cost in Kiryas Joel?

Insurance prices in Kiryas Joel can vary a lot by driver and policy choices (limits, deductibles, vehicle, mileage, credit-based factors where permitted, and claims history). Still, local quote comparisons can provide a helpful starting point.

As of January 2026 (latest available published online comparison data), Kiryas Joel estimates often look roughly like this:

Coverage Level	Estimated Monthly	Estimated Annual	What It Usually Includes
Minimum Required Coverage	From about $52/mo	From about $624/yr	State-minimum liability + required NY coverages (PIP/UM)
Full Coverage	From about $112/mo	From about $1,344/yr	Minimums (or higher) + comprehensive & collision
Overall City “Average” (Varies)	Around $230/mo	Around $2,756/yr	Blended estimate across drivers/coverage levels

Why the range? Insurers price by ZIP-level risk, repair and medical costs, theft/claims trends, commute patterns, driver history, and how expensive your vehicle is to fix. Two neighbors can see very different prices just from differences in vehicle, mileage, or prior claims.

Good to know: In New York, avoid coverage gaps when switching insurers. Even a short lapse can create registration headaches—start the new policy before canceling the old one.

Recommended Coverage for Drivers in Kiryas Joel

State minimums keep you legal, but they’re often not enough to protect savings if a claim gets serious. Many Kiryas Joel-area drivers consider these practical upgrades (based on budget and risk):

Higher Liability Limits: Common steps up are 50/100/50 or 100/300/100 (or a combined single limit). This helps if medical bills or vehicle repairs exceed minimums.
SUM (Underinsured Motorist) Coverage: A strong add-on in NY if you want protection when the other driver’s limits are too low.
Collision & Comprehensive: Often worth it for newer vehicles or loans/leases. Comprehensive can help with theft, weather damage, glass, and animal-related losses.
Deductible Strategy: Raising deductibles can reduce premiums, but pick a number you could comfortably pay tomorrow.
Rental Reimbursement & Roadside: Helpful if your household depends on one vehicle or you can’t easily be without a car.

Good to know: If you finance or lease, your lender typically requires comprehensive and collision (and may set maximum deductible limits). Confirm lender rules before changing coverage.

Best Car Insurance Companies for Kiryas Joel

The “best” insurer depends on what you value most—price, claims handling, agent support, or specialized coverage. Here are strong options many New York drivers compare when shopping in and around Kiryas Joel.

Company	Best for	Why it’s good	Watch-outs
GEICO	Competitive pricing	Often strong rates for clean drivers; easy online management	Less “local office” support in some areas
Progressive	Flexible options	Good for comparing coverage/deductibles; strong digital tools	Rates can change more at renewal for some profiles
State Farm	Agent support	Large network; good for bundling and ongoing service	Not always the cheapest for every ZIP/driver
Travelers	Robust coverage add-ons	Solid optional coverages and policy features	Pricing varies widely by driver and vehicle
Allstate	Discount seekers	Multiple discount programs; agent availability	Can be pricier in some New York ZIP codes
New York Central Mutual	Regional carrier fans	Strong local footprint through independent agents	Availability and pricing depend on underwriting
Erie	Service-focused shoppers	Often strong customer satisfaction and stable coverage	Must buy through agents; not available everywhere
Nationwide	Bundling & usage-based programs	Good bundling options; telematics programs for some drivers	Not always top-cheapest on minimum coverage
USAA	Military families	Often excellent value and service for eligible members	Eligibility required (military/veteran family)
Amica	Customer experience	Known for strong service and claims experience	May not be lowest-cost for every driver

Best Auto Insurance Agents in Kiryas Joel

If you prefer local help—or you want someone to review coverage limits and NY no-fault details—these nearby agencies serve the Kiryas Joel / 10950 area.

Agency	Address	Phone	Website	Why they’re a good fit
Walter Rose Agency Inc.	8 Stage Rd, Monroe, NY 10950	(845) 783-2555	walterroseagency.com	Local office support with a wide range of personal and business options.
I Teller Insurance Brokerage Inc.	37 Raywood Dr Unit 104, Monroe, NY 10950	(845) 384-1112	itellerins.com	Independent agency approach—helpful for comparing multiple carriers.
River City Insurance	562 State Route 17M, Monroe, NY 10950	(845) 781-8000	freewayinsurance.com	Good option if you want quick quotes and straightforward policy setup.
Prime Point Inc.	141 Acres Rd, Monroe, NY 10950	(845) 782-3325	primepointinsurance.com	Helpful for small business owners who want commercial + personal policies reviewed together.
M&D Brokerage Inc.	161 Acres Rd Unit 201, Monroe, NY 10950	(845) 783-0291	Agency profile	Convenient Monroe-area brokerage option for auto plus related lines.
Parietti & McGuire Insurance Services	371 Rte 17M Ste 5, Monroe, NY 10950	(845) 781-8000	Agency profile	Independent-agent support—useful if you like guidance on coverage choices and bundling.
Blueshine Insurance (Mercury Authorized Agent Listing)	19 Karlsburg Rd Unit 202, Monroe, NY 10950	(845) 751-9299	Agent listing	Good for drivers who want to explore multiple discount paths and local help.

FAQs on Auto Insurance in Kiryas Joel, NY

What is the minimum car insurance required in New York?

New York generally requires liability coverage, no-fault (PIP), and uninsured motorists coverage. The commonly listed minimums include 25/50 bodily injury liability, 10k property damage liability, 50k PIP, and uninsured motorists at the same bodily injury minimums. Many drivers choose higher limits to better protect savings and income.

Is no-fault (PIP) required if I don’t drive much in Kiryas Joel?

Yes. In New York, PIP is part of the required coverage for registered vehicles, even if you drive low mileage. If you drive less, you may be able to lower costs by adjusting mileage, deductibles, and discounts rather than removing required coverages.

Why do quotes vary so much by ZIP code around Kiryas Joel?

Insurers rate by location because claim frequency, repair costs, and theft/accident trends can differ by ZIP. Even within the 10950 area, garaging details, commuting routes, and where the vehicle is parked can influence pricing.

What discounts should Kiryas Joel drivers ask about?

Common discounts include multi-policy (bundling), multi-car, safe driver/claims-free, paid-in-full, paperless/autopay, vehicle safety features, and usage-based/telematics programs. If you have a teen driver, ask about good-student or driver training discounts where available.

Does comprehensive insurance cover weather and animal-related damage?

Typically, yes. Comprehensive coverage often applies to non-collision losses like theft, vandalism, glass damage, fire, wind, flooding, and hitting an animal. Coverage details and deductibles vary by policy, so confirm what’s included before you buy.

Can I keep out-of-state insurance if my car is registered in New York?

Usually no. To register and keep plates in New York, you generally need a policy that meets New York requirements and is written for New York. If you recently moved, an agent can help you switch while avoiding a lapse.

What happens if I have a lapse in coverage in New York?

A lapse can lead to serious complications, including DMV issues tied to registration and plates. Even if you’re switching companies, it’s best to overlap policies (start the new one before ending the old one) to prevent a gap.

Lower your New York car insurance costs

Kiryas Joel Auto Insurance