Affordable New York Auto Insurance

State Farm® helps you save money on your car insurance with a variety of great discounts. Take a look at the discounts available in New York.

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Accident-Free Discount (State Farm Mutual Only)

If your car (or the one it replaced) has been with State Farm for at least three continuous years without a chargeable accident during this period, you will receive a discount on the premiums for Bodily Injury and Property Damage Liability, Basic Personal Injury Protection, and Collision Coverages. This auto insurance discount in New York may increase over time if the policy remains in force and there continue to be no chargeable accidents. For new business, an accident is chargeable if the operator was at-fault in an accident that resulted in death or bodily injury or in damage to any property in the amount of $2,000 or more.

For subsequent rating, an accident is chargeable when State Farm paid $2,000 or more under the Property Damage Liability Coverage and Collision Coverage combined. For a multiple vehicle accident, Property Damage Liability Coverage payments must have been made for a claim to be considered chargeable.

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Discounts and their availability may vary by state and eligibility requirements.