Auto
Auto insurance in New York and New Jersey.
Auto insurance from Kelly Qu Agency is an Allstate policy built for drivers who live, work, or commute across the five boroughs and into New Jersey. We handle NY no-fault, NJ verbal-threshold tort, SR-22 (NJ), street-parked cars, and the tri-state garaging questions almost no one explains correctly.
What's included in a standard Allstate auto policy
- Liability coverage for bodily injury and property damage you cause
- Collision for damage to your car in an accident
- Comprehensive for theft, vandalism, weather, falling trees — meaningful in NYC
- Uninsured / underinsured motorist coverage — required in NY
- No-Fault / PIP — NY requires $50K minimum
- Rental reimbursement and roadside assistance (optional)
How NY and NJ differ — at a glance
| Topic | New York | New Jersey |
|---|---|---|
| Minimum BI | 25/50 | 25/50 (Standard) / 15/30 (Basic) |
| PIP / No-Fault | $50K required | $15K min, $250K standard |
| Tort system | No-fault with "serious injury" threshold | Choice (verbal-threshold default) |
| Uninsured motorist | Required, 25/50 min | Required if Standard |
| SR-22 used? | No | Yes |
Common auto situations we handle weekly
- Manhattan resident with a car parked in NJ — correct garaging address, NJ-compliant policy
- Queens family with a college student upstate — adding the student, dorm-stored vehicle
- NYC street-parked vehicles — which carriers price it fairly
- New U.S. drivers without prior insurance history — international license conversion
- Adding a teen driver in NY or NJ
- SR-22 filings in NJ after a DUI or lapse
- Switching to bundled auto + renters or auto + HO-6 (typical NYC savings 10–20%)
- Rideshare drivers (Uber, Lyft, DoorDash) — closing the personal-policy gap
Frequently asked questions
What's the minimum auto insurance required in New York? +
NY requires liability of $25,000 per person / $50,000 per accident bodily injury, $10,000 property damage, $50,000 No-Fault (PIP), and uninsured motorist coverage at 25/50. Most NYC drivers should carry significantly more — we recommend at least 100/300/100 plus higher UM/UIM given how many uninsured drivers are on the road.
How does New York's no-fault system actually work? +
After an accident, your own PIP coverage pays first for your medical bills (up to your limit) regardless of fault. Lawsuits for pain and suffering are limited to 'serious injury' cases (death, fracture, permanent loss of use). PIP doesn't cover at-fault property damage — that's still on the at-fault driver's liability.
Do I need SR-22 insurance in NY or NJ? +
New York does NOT use SR-22 — DMV gets reporting directly from your carrier. New Jersey does use SR-22 after certain serious violations (DUI, driving uninsured). We file all required documentation on your behalf.
What discounts can I bundle? +
Multi-policy (auto + renters / condo / home), multi-car, safe driver, anti-theft device, paperless billing, paid-in-full, and good student. Bundling auto + renters or auto + HO-6 is the single largest discount in NYC, typically 10–20%.
Can I insure an NY-registered car driven mostly in NJ? +
Yes — but garaging location matters more than registration. If the car sleeps in NJ five nights a week, NJ is the correct rate state regardless of plates. Misstating the garaging address is one of the most common causes of claim denial in the tri-state market. We file accurate info from the start.
Get an auto quote — multilingual if you'd prefer
We'll match or beat your current premium where we honestly can, and tell you when we can't.