Transparent rates, flexible coverage, and support you can count on in New York. Results you can measure.
From state minimums to full protection, customize a policy that fits your life on the road.
This is the foundation of any New York auto policy, covering bodily injury and property damage you may cause to others in an accident. It's legally required and protects your financial assets if you're found at fault. We'll help you select limits that go beyond the state minimum for true peace of mind.
Whether it’s a tight parking garage scrape in Manhattan or a fender bender on the LIE, Collision coverage helps pay to repair or replace your own vehicle after an accident, regardless of who is at fault. This is essential for protecting the value of your car against the unpredictability of daily driving.
Life in New York comes with unique risks beyond collisions. Comprehensive helps cover damage to your car from things like theft, vandalism, falling objects (like tree branches during a storm), or hitting a deer upstate. It’s the peace of mind you need when your car is parked on the street overnight.
What if you're hit by someone with no insurance or not enough to cover your bills? This crucial coverage steps in to pay for your injuries and, in some cases, vehicle damage. In a state with so many drivers, it's a non-negotiable layer of protection for you and your passengers.
New York is a "no-fault" state, which means your own policy's Personal Injury Protection (PIP) is your first source for medical expenses after an accident, no matter who was at fault. It covers medical bills, lost wages, and other related costs, ensuring you get care quickly without waiting for a lengthy fault determination.
Customize your policy further with options like Rental Reimbursement, which covers a rental car while yours is in the shop, and Roadside Assistance for tows, jump-starts, and lock-outs. We make it easy to build a policy that perfectly matches your needs and budget.
We've streamlined the process to get you insured quickly and easily.
Answer a few simple questions about you and your vehicle. Our smart system provides a transparent, no-obligation quote in minutes.
Adjust coverage limits, select your deductible, and add discounts you qualify for. You have full control to build the perfect plan.
Finalize your payment, receive your insurance ID cards instantly, and hit the road. You’re officially covered by JustInsure.
We believe safe and smart drivers should pay less. See how you can save.
Have a clean driving record with no at-fault accidents or major violations? We'll reward you with significant savings.
Insure more than one vehicle with us and get a discount on your entire household's auto insurance premium.
Combine your auto insurance with a future home or renters policy from our partners to unlock our biggest discount.
Full-time high school or college students with a "B" average or better can qualify for a valuable discount.
Join our voluntary JustDrive program. Use our app to measure your safe driving habits and earn discounts based on how you drive.
Complete an approved New York defensive driving course and you'll not only save on your premium but also reduce points on your license.
We're not just another insurance company. We understand the unique challenges of driving here.
When you have a claim, you'll talk to a real person who understands the difference between the BQE and the FDR. Our claims team is based here and dedicated to getting you back on the road fast.
No hidden fees, no confusing jargon. We show you exactly what you're paying for and why. Our tagline is "Results you can measure," and that starts with a clear, honest price.
We factor in the realities of alternate-side parking, dense city traffic, and harsh winters. Our coverage and support are tailored to the challenges you face every day, from Buffalo to Montauk.
"Switching to JustInsure was the easiest part of moving to the city. I got a quote online in five minutes that beat my old provider by 20%. The entire process was digital and painless."
"After a fender bender in a tight Brooklyn parking spot, their claims process was incredibly straightforward. I filed everything on my phone, and the adjuster was helpful and responsive. Highly recommend."
"As a parent of a new driver, I was looking for good coverage at a fair price. JustInsure's good student and telematics discounts made it affordable, and their team was patient with all my questions."
"Finally, an insurance company that feels modern. The website is clean, the quote process is fast, and I love that I can manage my policy without having to make a phone call."
New York state minimum liability coverage is the absolute least you must carry by law. "Full coverage" isn't an official term, but it typically means a policy that includes not only liability but also Collision and Comprehensive coverage to protect your own vehicle. We strongly recommend more than the state minimums for adequate financial protection. Note: This is for informational purposes only and is not legal advice.
A deductible is the amount you pay out-of-pocket for a claim before your insurance coverage kicks in. For example, if you have a $500 deductible and your car sustains $3,000 in covered damages, you pay the first $500, and JustInsure covers the remaining $2,500. Choosing a higher deductible can lower your premium, but make sure it's an amount you're comfortable paying unexpectedly.
Claim timelines vary depending on the complexity of the incident. However, our goal is to make the process as fast as possible. Simple claims, like a cracked windshield, can often be approved in a day. More complex accidents may take longer, but our NY-based adjusters will keep you informed every step of the way. You can file and track your claim 24/7 through our online portal.
Yes, you can easily add a licensed driver who lives in your household or regularly uses your vehicle. This can typically be done through your online account or by contacting our support team. Adding a driver may affect your premium depending on their age, driving record, and other factors.
Yes, Rental Reimbursement is an optional coverage you can add to your policy. If your car is being repaired due to a covered claim, this coverage helps pay for a rental car up to the limits you select, so you're not left without transportation.
Glass and windshield damage is typically covered under Comprehensive coverage. Many times, if the windshield can be repaired rather than replaced, we will waive the deductible. Check your specific policy details for information on your glass coverage.
A standard personal auto policy may not cover you while you're working for a rideshare service. We offer specific rideshare coverage endorsements that can bridge this gap and ensure you're protected during all phases of your driving. Contact us to learn more about this important add-on.
Our JustDrive program is simple and voluntary. You download an app on your smartphone that runs in the background. It measures driving behaviors like hard braking, rapid acceleration, speeding, and phone use. Good, safe driving habits can earn you a significant discount on your premium at renewal. Your data is used for discount purposes only and will not be used to raise your rates.
An SR-22 is not an insurance policy, but rather a certificate of financial responsibility that we file with the state on your behalf. It's typically required after certain driving violations, like a DUI or driving without insurance. We can provide SR-22 filings for our policyholders who require them.
While we'd be sorry to see you go, you can request to cancel your policy at any time by contacting our customer support team. Depending on when you cancel, you may be entitled to a prorated refund for any unused portion of your premium. Please note that in New York, it is illegal to operate a vehicle without insurance.
Insights and tips for smarter, safer driving in New York.
Winter in New York is no joke, and neither are its roads. From black ice on the Taconic Parkway to snow-buried cars in Brooklyn, being prepared is key. It’s about more than just having good tires; it requires a shift in mindset and a pre-winter checklist for your vehicle. This guide covers everything from creating a winter emergency kit to mastering techniques for handling skids and reduced visibility...
You hear "No-Fault state" all the time, but what does it actually mean after an accident? New York's No-Fault system, centered on Personal Injury Protection (PIP), is designed to get your medical bills and lost wages paid quickly, regardless of who caused the crash. However, its rules and thresholds can be confusing. When can you sue the other driver? What exactly does PIP cover, and what are its limits? We break it down...
Everyone knows about safe driver and multi-car discounts, but are you leaving money on the table? Insurance savings go deeper than the headline offers. From professional affiliations and low-mileage plans to the benefits of a defensive driving course, there are numerous ways to lower your premium. This article uncovers some of the less-obvious discounts and provides actionable steps you can take today...
Get a personalized quote in minutes or reach out to our New York-based team.
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Last Updated: August 8, 2025
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If you have questions or comments about this Privacy Policy, please contact us at:
JustInsure
Data Privacy Officer
123 Liberty St
New York, NY 10006
Email: [email protected]
Last Updated: August 8, 2025
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