NYCM Auto Insurance Review for 2025 (See Rates & Discounts Here)

This NYCM auto insurance review celebrates competitive pricing at NYCM Insurance Group alongside driver-concentrated perks.

With a monthly starting rate of $95, policyholders enjoy 24/7 claims service and a discount-in-safe-driver program, perfect for people with clean records.

NYCM Auto Insurance Rating

Rating Criteria
Overall Score	3.5
Business Reviews	4.0
Claims Processing	3.4
Company Reputation	4.0
Coverage Availability	2.4
Coverage Value	3.5
Customer Satisfaction	1.9
Digital Experience	4.0
Discounts Available	4.3
Insurance Cost	3.9
Plan Personalization	4.0
Policy Options	2.8
Savings Potential	4.1

NYCM Insurance offers incredible value and flexible payment plans, making it a strong choice for those seeking the best New York auto insurance. However, coverage is only available in select states, and their quotes are consistently compared with other providers to help customers find the best option.

Now compare affordable NYCM auto insurance options by entering your ZIP code into our free rates comparison tool.

Coverage Cost of NYCM Auto Insurance

NYCM auto insurance rates can be determined by driving history, age, gender, and location. For example, a driver with a clean record may have an average monthly premium of $95, while younger drivers or those with previous accidents may pay more.

NYCM Auto Insurance Monthly Rates by Coverage Level, Age, & Gender

When comparing NYCM rates to national averages, the company offers competitive premiums for New York residents but may differ from national providers in other states.

The cost of the best NYC, New York auto insurance can vary depending on your ZIP code and local risk factors, helping drivers make informed decisions when choosing coverage.

Nycm Insurance (New York Central Mutual) Insurance Coverage Options

NYCM offers the following types of auto insurance:

• Liability auto insurance. Pays for property damage and bodily injury to others if you cause an accident.
• Personal injury protection (PIP) coverage. It covers medical bills, rehabilitation costs, lost wages, and household care costs if you’re injured and unable to work after an accident.
• MedPay. It covers medical bills and rehabilitation costs if you’re injured in an accident.
• Uninsured motorist coverage (UIM). It helps cover injuries or property damage caused by another driver with no insurance, insufficient insurance, or a hit-and-run driver.
• Collision auto insurance. Pays for damages to your vehicle after a covered accident or collision.
• Comprehensive auto insurance. Pays for damages to your vehicle caused by falling objects, inclement weather, vandalism, fire, or theft.

Because New York is a no-fault insurance state, you must carry a minimum amount of PIP and UIM. Learn more about no-fault auto insurance and how it raises NY insurance rates.

On top of the standard coverage above, drivers can also buy these additional coverage options:

• Basic Economic Loss, Optional (OBEL). You are entitled to an NYCM payout for loss of income if you were hurt in a no-fault accident. The typical upper limit is $2,000 monthly for 36 months. However, the $50,000 maximum payment can be used before the 36 months.
• Supplemental uninsured motorist protection. The $25,000 per person and $50,000 per accident limits on New York’s uninsured motorist coverage are only valid within the state. Contact NY Mutual car insurance for supplemental uninsured motorist coverage for more information.
• Rental car reimbursement. NYCM sells auto insurance for rental cars if your vehicle is damaged and undergoing repairs. The business collaborates with Hertz and Enterprise. Call NYCM customer service at 800-234-6926 to learn more.
• Roadside assistance. NYCM offers roadside assistance coverage in three different tiers: Basic ($7 yearly), Choice ($10 annually), and Choice Plus ($15 annually). Although the tiers have varying restrictions, they offer locksmith services, flat tire repairs, battery jump starts, and emergency gasoline and liquid delivery.

If you add these coverages, your NYCM auto insurance rates will increase.

What You Should Know About Nycm Insurance

NYCM is a property and casualty insurance provider with over 800 employees based in the heart of New York. VanNess DeMar Robinson launched the business in 1899 and continues to offer the same exceptional security and service that NYCM Insurance was founded on more than a century ago.

NYCM’s management, now in its fifth generation, brings an in-depth understanding of New Yorkers’ needs and lifestyles. With its expertise and commitment to customer satisfaction, NYCM is one of the best auto insurance options after a DUI in New York.

A.M. Best Rating

NYCM Insurance is a top option for NY drivers as it received an overall “A” rating from A.M. Best.

Due to its lengthy history, broad product offering, and cooperation with independent insurance agents, NYCM Insurance has developed a strong reputation as a dependable and stable insurance provider.

Complaint Level

Of the top New York insurance giants, NYCM has the lowest NAIC ratio, at 0.32. The low number means fewer customer complaints.

Nycm Insurance Insurance Rates Breakdown

New York auto insurance rates are more expensive than average, at $250 per month. Fortunately, for a 40-year-old driver with a clean driving record, the average cost to insure with NYCM is around $225 monthly.

This is more expensive than the national monthly average of $140 but cheaper than other companies in New York. For a driver with a speeding ticket conviction or at-fault accident, NYCM rates still exceed the national average by around 40% and 10%, respectively.

NYCM tends to price younger drivers added to an existing policy at 40% cheaper than the national average.

NYCM Rates Breakdown

Here’s how New York Central Mutual car insurance compares to its competitors:

Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$62	$166
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$47	$123
	$53	$141
U.S. Average	$61	$165

As you can see, GEICO, State Farm, and Allstate edge out NYCM on price alone. However, NYCM has much higher customer satisfaction.

Nycm Insurance (New York Central Mutual) Discounts Available

NYCM offers customers extensive auto insurance discounts. Some examples include:

• Electronic Funds (EFT) Discount and Auto-Pay. Customers who pay with an automatic withdrawal from a chosen checking, savings, or credit card account may be eligible for up to a 2.5% electronic funds (EFT) discount, also known as an auto-pay discount.
• Driver Education Discount. Drivers under 21 who successfully complete a driver education course are eligible for the appropriate driving training discount.
• Student-Away-at-School Discount. This discount is available for students aged 24 or younger who are away at school at least 100 miles from where the vehicle is customarily garaged and don’t use it regularly.
• Accident Prevention and Defensive Driving. Earn a 10% discount after completing a course, which can be taken online at your own pace.
• Airbag/Automatic Passive Restraint. If your car has motorized safety belts and one or more airbags, you can save up to 30% on MedPay and Personal Injury Protection (PIP).
• Daytime Running Lamps. Earn up to 3% for this safety feature.
• Anti-Theft Systems. Earn up to 25% off for alarms, passive and active disabling devices, tracking transponders, and etched VIN in car windows.
• Coupler/Combination Discount. You can combine your renters or home insurance with your auto company to save as much as 20%.
• Home Ownership Discount. Earn 2.5% off for owning a home, mobile home, or condo.
• New Vehicle. Earn up to 30% off for a newly titled vehicle on an auto policy.
• Senior Discount. Policyholders 65 and older can earn up to 5% for having NYCM insurance for over five years.
• Good Student Discount. Students with transcripts proving a “B” average or higher may be eligible for a 10% discount.
• Paid-in-Full Discount. Earn up to 10% to pay your balance ahead of time.

Find out how many NYCM auto insurance discounts you qualify for to determine if the amount results in overall savings vs. the competition.

Business Reviews of NYCM Auto Insurance

NYCM Insurance has highly rated grades from various agencies. Generally, good ratings mean it is stable, financially sound, and of higher standing. It has a rating of 3.5 from J.D. Power, which states that customers are satisfied with the company’s services. BBBS gives it an A+, standing for excellent business practices. A.M. Best assigned it an “A” rating for its strong financial stability.

NYCM Auto Insurance Ratings & Consumer Reviews

Agency
	Score: A Excellent Financial Strength
	Score: A+ Excellent Business Practices
	Not Available
	Score: Score: 842 / 1,000 Avg. Satisfaction
	Not Available

These ratings strengthen NYCM’s credibility as a reliable auto insurance provider. Its performance well in financial strength and customer service has made it one of the best competitive options. NYCM offers several types of auto insurance, including liability coverage, collision insurance, comprehensive coverage, uninsured/underinsured motorist protection, and personal injury protection.

Pros and Cons of NYCM Auto Insurance

Pros:

• Affordable Rates: Group averages between $250 for a clean record holder.
• Diverse Discounts: Bundling policies and maintaining a good driving record will save the day.
• Financial Stability: A rating from A.M. Best is an A, which denotes excellent reliability.

Cons:

• Limited Availability: New York state citizens are the only people who get this coverage.
• Average Ratings: 3.5 starts on J.D. Power indicates room for services to rise. Delve into the specifics in our article “Best Auto Insurance Discounts.”

How Nycm Insurance Ranks Among Providers

Going off the price, NYCM is more expensive than most competitors. However, it boasts a phenomenal customer satisfaction rating, which may matter more to some consumers, according to NYCM insurance reviews.

NYCM Car Insurance Reviews

NYCM Auto Insurance is well-regarded for its commitment to providing quality insurance solutions tailored to New York residents. With a long history from 1899, NYCM (New York Central Mutual) has built a solid reputation for reliability and customer satisfaction. Numerous reviews highlight NYCM’s efficient customer service and competitive pricing, positioning it as a strong choice for New Yorkers seeking comprehensive auto insurance coverage.

New York Central Mutual Reviews and Ratings From Agencies

As an established insurance entity, NYCM has garnered respect in the insurance community, evidenced by its positive ratings from various agencies.

NYCM Experience/Bodily Injury Claim
byu/Anaksunamun23 inInsurance

An “A” rating from A.M. Best affirms the company’s financial stability and assures policyholders of its capability to handle claims effectively. Customers often note NYCM’s responsive customer service and the ease of the claims process, making it a trustworthy provider. Cheap, no-fault auto insurance also provides reliable coverage options that align with customers’ financial strength.

NYCM Is a Reliable Insurance Company

Evaluating NYCM’s performance and customer feedback, it’s clear that the company offers competitive options for the cheapest SR-22 insurance in New York. Its focus on local needs and extensive history in the state enables it to provide policies tailored to the unique aspects of living and driving in New York.

This local expertise contributes to NYCM’s reputation as a reliable insurer. To find affordable NYCM auto insurance, enter your ZIP code into our free comparison tool today.