Newburgh Auto Insurance
Last Updated on November 7, 2026 by James Shaffer · Reviewed for accuracy by Daniel Major, licensed insurance agent (NPN 14733759)
A car registered in Newburgh must be insured by a New York-licensed company for at least $25,000 per person and $50,000 per accident in bodily injury liability, $50,000/$100,000 if someone dies, $10,000 in property damage liability, $50,000 in no-fault, and $25,000/$50,000 in uninsured motorist coverage. The coverage has to stay active for as long as the car is registered, even if you stop driving it.
Much of this page is about what happens after something goes wrong: a stolen car, a crash, or a gap in coverage. It ends with the Broadway DMV office and Newburgh agencies whose details we confirmed in September 2026.
At a Glance
- What you must carry: A New York policy with liability of $25,000 per person and $50,000 per accident for injuries (doubled for deaths), $10,000 for property damage, $50,000 of no-fault, and 25/50 uninsured motorist. The DMV won’t accept a policy from another state.
- Stolen cars: Newburgh city police recorded 52 motor vehicle thefts in 2024, according to state crime data. Only comprehensive coverage pays for a stolen car.
- Coverage gaps: The DMV hears about a lapse from your insurer. Gaps up to 90 days are settled with a tiered daily penalty; longer ones cost you your plates and a matching license suspension.
- Local offices: The Orange County DMV office is at 128 Broadway, and the city police Records Division at 55 Broadway provides accident reports for $5.
- Required Car Insurance in Newburgh
- Car Theft in Newburgh and What Covers It
- After a Crash in Newburgh
- Insurance Lapses and Suspended Registrations
- Cancellation, Nonrenewal, and the Assigned Risk Plan
- Comparing Quotes in Newburgh
- Newburgh Insurance Agents and Agencies
- The Newburgh DMV Office
- FAQs on Newburgh Car Insurance
Required Car Insurance in Newburgh
State law sets the same floor in Newburgh as everywhere else in New York. The table shows it.
| Coverage | Required Minimum | What It Pays For |
|---|---|---|
| Bodily injury liability | $25,000 / $50,000 | Injuries you cause to others |
| Death liability | $50,000 / $100,000 | Deaths you cause |
| Property damage liability | $10,000 | Other people’s cars and property |
| No-fault (PIP) | $50,000 per person | Injury costs, regardless of fault |
| Uninsured motorist | $25,000 / $50,000 | Your injuries from an uninsured driver in New York |
The first figure in each pair is the limit per person and the second is the limit per accident. Two more rules from the DMV’s insurance requirements page catch people out: the policy must come from an insurer licensed in New York, and the name on it must match the name on the registration, or the DMV may suspend both your license and the registration. Our page on New York insurance laws covers the rest.
Collision and comprehensive, the coverages that pay for your own car, aren’t required by the state. A lender may require them, and in Newburgh the theft numbers below are a reason to think about comprehensive even on a car you own outright.
Car Theft in Newburgh and What Covers It
The Newburgh City Police Department reported 52 motor vehicle thefts in 2024, 65 in 2023, and 67 in 2022, according to the state’s Index Crimes by County and Agency data. Those figures count only thefts reported to city police. Orange County as a whole reported 145 vehicle thefts in 2024.
A liability-only policy pays nothing toward a stolen car. Comprehensive covers theft, along with vandalism, glass breakage, fire, flood, windstorm, and hitting an animal. According to the DFS guide to optional coverage, comprehensive also pays a daily amount set in your policy toward transportation after a theft, generally until the insurer offers to settle the claim.
Security features can lower the premium. The DFS guide to ways to save on auto insurance says every New York insurer must offer discounts for anti-theft devices and for window glass etched with the vehicle identification number. If your car has either, ask the agent to confirm the discount shows on your policy.
What the car is also affects the comprehensive premium. Insurers rate each model partly on its theft record and repair costs, and DFS posts a table of vehicle rating symbols you can check before buying. Higher symbols carry higher collision and comprehensive premiums.
Quick tip: Adding comprehensive or collision to a used car usually means the insurer must inspect and photograph it first, free of charge. If you don’t allow the inspection, that coverage is suspended until the car is inspected, so book it right away rather than leaving the car unprotected.
After a Crash in Newburgh
The order of steps after a crash protects both your claim and your license:
- Get the other driver’s name, insurer, and plate number, and call the police if anyone is hurt or a vehicle is blocking traffic.
- Send your insurer written notice of any injury claim within 30 days. Medical bills are due within 45 days and lost-wage claims within 90, unless you have a clear and reasonable justification for the delay.
- Report the crash to the DMV when there’s an injury or death, or when any single owner’s property damage, counting your own car, tops $1,000.
- Get a copy of the police report for your insurer.
The DMV explains the crash report requirement and offers an online form. If you skip a required report, the DMV may suspend your driving privilege until it’s on file.
For crashes handled by city police, the Newburgh Police Department’s Records Division at 55 Broadway provides accident reports in person, or by mail if you include a stamped, self-addressed envelope. The department doesn’t email or fax reports. Its page lists a $5 fee per report.
Your own no-fault coverage pays medical bills, 80% of lost earnings up to $2,000 a month, and up to $25 a day in other necessary expenses, within $50,000 per person. It doesn’t matter who caused the crash. The DFS no-fault FAQ explains that a lawsuit against the at-fault driver is possible if you suffer a serious injury as defined in Section 5102(d) of the Insurance Law.
Insurance Lapses and Suspended Registrations
Insurers report cancellations and new policies to the DMV electronically, so the DMV learns about a gap without you telling it. The DMV can then suspend the car’s registration and your driver license. How you clear it depends on how long you went without coverage.
| Days Without Coverage | DMV Consequence |
|---|---|
| 1 to 30 | $8 civil penalty for each day |
| 31 to 60 | $10 civil penalty for each day |
| 61 to 90 | $12 civil penalty for each day |
| Over 90 | Paying a penalty isn’t an option. You give up the plates and registration, and your license stays suspended for a period equal to the gap. |
Getting the license back after that suspension also means paying a $50 suspension termination fee, and restoring a license revoked for driving an uninsured car takes a $750 civil penalty. The DMV lets you pay a lapse civil penalty online, by mail, or in person.
Example: a policy canceled for nonpayment stays uninsured for 40 days before a new one starts. At $8 a day for the first 30 days and $10 a day for the next 10, the civil penalty comes to $340. The DMV’s civil penalty page works through its own examples the same tiered way.
If you get an insurance letter or order, act on it right away. First confirm what the DMV has on file with its insurance status lookup. If you were covered the whole time and the report is wrong, ask your insurance company (not your agent or broker) to file an electronic notice of coverage with the DMV, as the DMV’s page on responding to insurance letters and orders explains. Orange County’s DMV page says insurance suspensions can be handled at all of the county’s motor vehicle offices.
Selling the car or leaving New York? Turn in the plates before the insurance ends. Our guide to canceling car insurance in New York lists the steps in order.
Cancellation, Nonrenewal, and the Assigned Risk Plan
A brand-new policy is the easiest to cancel: for its first 60 days, the insurer can end it for any reason the law doesn’t prohibit. Once that window passes, DFS lists only three grounds for canceling mid-term. They are unpaid premium, fraud or a material misrepresentation on the application or a claim, and a suspended or revoked license (other than an administrative suspension) for the named insured or someone who regularly drives the car. An insurer that won’t renew must mail notice 45 to 60 days before the policy expires.
If no company will write you a standard policy, the New York Automobile Insurance Plan (NYAIP) places you with an insurer. According to the DFS consumer FAQ, you’ll usually pay more under the plan, but the insurer you’re assigned to has to cover you for three years, and nothing stops you from shopping for voluntary coverage in the meantime. Our guides to insurance for high-risk drivers and getting car insurance with bad credit cover other routes.
Comparing Quotes in Newburgh
No published average tells you what you’ll pay. Each insurer files its own rating territories and sets its own prices, so line up quotes that use the same limits and deductibles. A completed PIRP defensive driving course takes 10% off the base rate of liability and collision premiums for three years.
Ask for a SUM price too. Orange County borders New Jersey, and basic uninsured motorist coverage doesn’t apply to crashes outside New York. SUM does, and it also pays when the at-fault driver’s limits are too low.
Once you’ve narrowed the list, check how the issuing company fares on the DFS complaint ranking. NYMI’s New York reviews cover Allstate, Erie, GEICO, Liberty Mutual, Nationwide, New York Central Mutual, Progressive, State Farm, Travelers, and USAA.
Newburgh Insurance Agents and Agencies
The Sells column shows whether an office describes itself as independent or appears in one insurer’s agent directory. In September 2026 we matched each address and phone number below to the agency’s website or the insurer’s agent locator. We don’t rate or recommend agencies.
| Agency | Address | Phone | Sells |
|---|---|---|---|
| John J. Arbolino Agency | 295 N Plank Rd | (845) 566-9560 | Multiple insurers (independent) |
| William A. Smith & Son | 380 Broadway | (845) 561-1706 | Multiple insurers (independent) |
| John Abrams & Associates | 74 N Plank Rd | (845) 565-7894 | Multiple insurers (independent) |
| Orange Agency | 119 Broadway | (845) 565-5515 | Multiple insurers (independent) |
| AKB Insurance Agency | 578 Grand Ave | (845) 444-8047 | Multiple insurers (independent) |
| Wyatt Savage | 24 Route 17K | (845) 565-8000 | State Farm |
| Susan Zaleski | 54 North Plank Rd | (845) 565-0020 | State Farm |
| Melissa Evans | 53 Route 17K, Ste 10 | (845) 458-6400 | Allstate |
All addresses are Newburgh, NY 12550. When you call, ask which company would write the policy, whether comprehensive includes a transportation allowance after a theft, and whether your anti-theft device and PIRP certificate have been applied.
The Newburgh DMV Office
The Newburgh DMV office is at 128 Broadway, Newburgh, NY 12550. Orange County operates it along with offices in Goshen, Middletown, and Port Jervis, and the county’s DMV page books appointments for all of them. The state DMV says appointments are preferred for registrations, and plates can be surrendered without one.
Bring your New York State Insurance ID Card when you register a car; the registration has to be done within 180 days of the card’s effective date. Insurers issue the card on paper or electronically, though electronic cards can’t be used for a few policy types, such as dealer policies. The DMV’s page on proof of insurance has the details.
Car insurance guides for nearby places: Middletown, Kiryas Joel, Poughkeepsie and Peekskill. For every city and borough we cover, see New York car insurance by city.