Newburgh Auto Insurance

Last Updated on January 22, 2026

Driving in Newburgh, New York often means a mix of local streets, commuter routes, and seasonal weather that can change road conditions quickly. The right auto insurance helps protect you financially if you’re in a crash, dealing with a stolen vehicle, or facing expensive repairs.

Below is a practical guide to Newburgh car insurance: New York’s required coverages, what drivers commonly pay, what protection is worth considering, and where to find reputable local agents.

Newburgh Auto Insurance at a Glance

NY Minimums Are More Than Liability: New York requires liability plus no-fault (PIP) and uninsured motorist coverage to legally drive.
Local Pricing Can Swing: Your rate can change a lot based on ZIP code, driving history, mileage, vehicle, and where the car is garaged.
Full Coverage Protects Your Car: Comprehensive and collision can be worth it in Newburgh if your vehicle is financed, newer, or hard to replace.
Agents Can Shop Multiple Carriers: Independent agencies may compare several insurers, which can help when underwriting rules differ.

Table Of Contents

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

New York Auto Insurance Requirements

New York’s required auto insurance coverages are set statewide, but exact limits and rules can change. The table below reflects the commonly cited statewide minimums that apply to most passenger vehicles.

Coverage Type	NY Minimum Required Limit
Bodily Injury Liability	$25,000 per person / $50,000 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
Death Liability	$50,000 per person / $100,000 per accident

Source: NYS DMV — Insurance Requirements

Bodily Injury Liability helps pay for injuries you cause to others in an at-fault crash. Many drivers choose higher limits because medical bills and lawsuits can exceed the minimum quickly.

Property Damage Liability helps pay for damage you cause to someone else’s vehicle or property (like a fence or building). With today’s repair costs, the minimum may not go far after a multi-vehicle crash.

No-Fault (PIP) helps cover medical costs and related losses for you and eligible passengers after an accident, regardless of fault, up to your policy limit. Drivers often increase protection with optional add-ons depending on budget and needs.

Uninsured Motorist (UM) helps protect you if you’re injured by an uninsured driver (or in certain hit-and-run situations). Many people add higher Supplementary UM / UIM limits to better match their liability protection.

Death Liability is an additional required component in New York tied to fatalities from an at-fault accident. It is commonly shown separately in New York’s minimum-liability rules.

How Much Does Car Insurance Cost in Newburgh?

Costs depend heavily on your driver profile and coverage choices. As of January 2026, one published estimate puts the average Newburgh premium around $158 per month (about $1,896 per year). Another dataset shows Newburgh at about $2,092 per year for a clean record (about $174 per month), with higher-risk profiles closer to $3,308 per year (about $276 per month). For a broader benchmark, New York statewide averages are often published separately for minimum vs. full coverage.

Price Snapshot	Monthly	Annual	Notes
Newburgh Average (Published Estimate)	$158	$1,896	Updated Jan 2026 (varies by driver and coverage)
Newburgh (Clean Record)	~$174	$2,092	City-rate dataset; last updated Dec 2025
Newburgh (High-Risk Example)	~$276	$3,308	City-rate dataset; last updated Dec 2025
New York State Average (Minimum Coverage)	~$63	$750	Updated Dec 2025; based on a sample driver profile
New York State Average (Full Coverage)	~$120	$1,435	Updated Dec 2025; based on a sample driver profile

Sources for the estimates above: Compare.com (Newburgh, updated Jan 2026), Insurance.com (NY city rates, updated Dec 2025), and MoneyGeek (NY averages, updated Dec 2025).

Why prices vary: insurers weigh your ZIP/garaging address, driving record, credit-based insurance score (where permitted), age and experience, vehicle type, annual mileage, claims history, and selected deductibles/limits. Even two neighbors can see different quotes based on these factors.

Good to know: If you raise your deductible to lower your premium, make sure you could comfortably pay that deductible on short notice after a claim.

Recommended Coverage for Drivers in Newburgh

New York’s minimums are a starting point, not a recommendation. Many Newburgh drivers choose stronger protection to reduce out-of-pocket risk—especially with today’s medical and repair costs.

Consider Higher Liability Limits: If you have savings, a home, or higher income, higher limits can better protect you from large claims.
Add Comprehensive and Collision (If Your Car Needs Protection): These cover damage to your vehicle (subject to deductibles). Lenders typically require them for financed or leased cars.
Review UM/SUM Options: Uninsured motorist coverage is required at minimum levels, but many drivers increase protection to better match their liability limits.
Think About Rental and Roadside: Rental reimbursement can help after a covered claim, and roadside assistance can be convenient if you commute.
Gap Insurance for Newer Loans: If you owe more than the car’s value, gap coverage (often through the lender or insurer) may help in a total-loss situation.

Good to know: Asking for quotes with the same liability limits and deductibles across insurers makes comparisons far more apples-to-apples.

Best Car Insurance Companies for Newburgh

The “best” insurer depends on what you value most—price, claims handling, coverage options, discounts, or eligibility. Here are well-known carriers that commonly write policies in New York, plus what they tend to be best for.

Company	Best for	Why it’s good	Watch-outs
New York Central Mutual	NY-focused coverage	Regional familiarity and often competitive pricing for certain profiles	Availability and discounts can vary by ZIP and vehicle
GEICO	Digital-first shopping	Strong online tools and often competitive rates for many drivers	Service experience can vary between direct vs. agent channels
Progressive	Drivers comparing lots of options	Broad discount and coverage menu; often competitive for varied profiles	Final pricing can differ sharply based on underwriting details
State Farm	Agent support	Large agent network and straightforward coverage choices	Not always the cheapest for every driver type
Travelers	Coverage add-ons	Strong optional coverages and bundling options in many markets	Rates can be higher for some youthful or higher-risk profiles
Allstate	Policy customization	Many add-ons and local agent access	Pricing can vary widely by territory and history
Erie	Value-focused full coverage	Often strong value where available through independent agents	Not available in every ZIP or for every situation
Nationwide	Bundling home and auto	Solid multi-policy options and common discount structure	Discount eligibility varies; compare before switching
Liberty Mutual	Flexible coverage packages	Wide set of endorsements and customization tools	Rates may be less competitive for some clean-record drivers
USAA	Military families (eligible members)	Strong reputation for service and claims experience for those who qualify	Eligibility restricted to military members and families

Best Auto Insurance Agents in Newburgh

If you prefer help comparing carriers, adjusting limits, or bundling policies, local agents can be a great resource. Here are verified agencies with a Newburgh address.

Agency	Address	Phone	Website	Why they’re a good fit
John J Arbolino Insurance Agency	295 N Plank Rd, Newburgh, NY 12550	(845) 566-9560	arbolino.com	Local independent agency with a Newburgh office and multi-carrier approach
William A. Smith & Son, Inc.	380 Broadway, Newburgh, NY 12550	(845) 561-1706	wasmithandson.com	Longstanding Hudson Valley agency; helpful for comparing options and bundling
Mogul Agency Services Inc	5020 Rte 9W, Rm 17, Newburgh, NY 12550	(917) 749-8864	mogulagencyservices.com	Broker-style agency that can shop multiple coverage types
AKB Insurance Agency LLC	578 Grand Avenue, Newburgh, NY 12550	(845) 444-8047	akbinsurance.com	Independent agency focused on personal lines with a local Newburgh presence
John Abrams & Associates Insurance Agency	74 N Plank Rd, Newburgh, NY 12550	(845) 565-7894	jabramsins.com	Independent agency that can help compare carriers and tailor deductibles/limits
Orange Agency	119 Broadway, Newburgh, NY 12550	(845) 565-5515	orangeagencyny.com	Local storefront agency with standard personal auto offerings
Melissa Evans (Allstate)	53 Route 17K, Ste 10, Newburgh, NY 12550	(845) 458-6400	Allstate agent page	Good option if you prefer a captive agent experience and Allstate-specific options
Wyatt Savage (State Farm)	24 Route 17K, Newburgh, NY 12550	(845) 565-8000	wyattsavage.com	Helpful for drivers who want in-person guidance and State Farm products
Susan Zaleski (State Farm)	54 North Plank Rd, Newburgh, NY 12550	(845) 565-0020	suezaleski.com	Established local State Farm office for auto, home, and multi-policy reviews

FAQs on Auto Insurance in Newburgh, NY

What is the minimum car insurance required in Newburgh, NY?

Newburgh follows New York statewide rules. In general, you must carry liability (including a separate death liability component), no-fault (PIP), and uninsured motorist coverage at the required minimum limits. Many drivers choose higher limits for better financial protection.

Is no-fault (PIP) required in New York?

Yes. New York is a no-fault state, which means PIP is required on most auto policies and can help pay medical-related costs after an accident regardless of who caused it, up to your policy limits.

Do I need uninsured motorist coverage in New York?

Yes. Uninsured motorist bodily injury protection is required at minimum limits in New York. Many drivers also consider higher Supplementary UM or underinsured motorist options for added protection.

How can I lower my car insurance rate in Newburgh?

Common strategies include comparing quotes regularly, choosing higher deductibles you can afford, asking about defensive-driving discounts, bundling policies, reducing annual mileage when possible, and maintaining a clean driving record.

Does my ZIP code or where I park affect my premium?

It can. Insurers rate policies partly by garaging location and territory. Where the car is regularly parked (and local claim patterns) can influence comprehensive, collision, and liability pricing.

Should I carry comprehensive and collision coverage?

If your vehicle is newer, financed, leased, or expensive to repair, comprehensive and collision are often worth considering because they help pay for damage to your own car (subject to deductibles). If your car is older and you could replace it easily, you might choose liability-only instead.

What proof of insurance do I need to register a car in New York?

To register a vehicle, New York typically requires proof of an active NY auto policy and proper documentation from your insurer. Requirements can vary by situation, so check the DMV instructions for your registration type and timing.

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Newburgh Auto Insurance