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? +
How does New York's no-fault system actually work? +
Do I need SR-22 insurance in NY or NJ? +
What discounts can I bundle? +
Can I insure an NY-registered car driven mostly in NJ? +
Auto insurance, from the Notebook.
Garaging address fraud in NYC: when the 'wrong' borough voids your auto claim
Listing a Long Island or NJ garaging address while actually parking in Manhattan or Brooklyn is one of the most common causes of denied auto claims. Here's how to fix it before it happens.
Rideshare insurance in NYC: why your personal auto policy doesn't cover you
Driving for Uber, Lyft, or DoorDash with a personal auto policy is uninsured in the gap that matters most. Here's what actually covers you and what it costs.
Why NYC Auto Rates Went Up in 2026 — Even With a Clean Record
Your driving didn't change, but your NYC auto premium did. The real drivers behind 2026 rate increases and what you can actually push back on.
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.