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NYCM car insurance review

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NYCM covers drivers in central New York and has over 800 agents.

  • Get a quote if you want personalized support from a local agent.
  • Pick something else if you want an easy claims process.
  • New York drivers can apply.

optional

Roadside assistance

New car protection

Accident forgiveness

Details

States served New York
Roadside assistance Optional
Pay schedule 12 months
Claims methods online, phone, in-person
New car protection No
Accident forgiveness Yes

Pros

  • Mobile app to manage account and claims
  • 24/7 support & roadside assistance
  • Wide variety of discounts

Cons

  • Only available in New York state
  • Complicated claims process
  • The company can cancel policies giving little or no information
Anti-theft device discount No
Bundling discount Yes
Defensive driving discount No
Good student discount No
Loyalty discount No
Homeowner discount Yes
Military discount No
Safety device discount No
Special employment discount No
Usage-based discount No
Other discounts
Rideshare coverage No
SR-22 coverage No
Temporary & short term coverage No

Who is NYCM car insurance best for?

New York Central Mutual company could be a great pick for New York drivers looking for a more personal experience. With over 800 agents all over the state, you can get support from your local agent.

And as a mutual company, NYCM pays out dividends to customers. You could receive a check or cashback on your policy every year based on the company’s profits, a nice little perk for being a loyal customer.

However, NYCM doesn’t advertise a long list of discounts like the bigger national insurers. The company also doesn’t mention many standard perks on its site, so you’ll have to ask your agent for info about things like new car protection, gap insurance and rental cars.

What car insurance coverage does NY Central Mutual offer?

  • Bodily injury liability - Yes
  • Property damage liability - Yes
  • Uninsured motorist bodily injury - Yes
  • Uninsured motorist property damage - Yes
  • Personal injury - Yes
  • Medical payments - Yes
  • Collision - Yes
  • Comprehensive - Yes

What car insurance features does NY Central Mutual offer?

  • Roadside assistance - Optional
  • Gap insurance - No
  • Rental cars - Yes
  • Pet injury - No
  • Rideshare - No
  • New car protection - No
  • SR22 - No
  • Nonowner coverage - No
  • Temporary and short term - No

What car insurance discounts does NY Central Mutual offer?

  • Anti-theft device discount - No
  • Bundling discount - Yes
  • Defensive driving discount - No
  • Good student discount - No
  • Loyalty discount - No
  • Homeowner discount - Yes
  • Military discount - No
  • Safety device discount - No
  • Special employment discount - No
  • Usage-based discount - No
  • Other discounts -

Pros and cons of NY Central Mutual

Pros

  • Mobile app to manage account and claims
  • 24/7 support & roadside assistance
  • Wide variety of discounts

Cons

  • Only available in New York state
  • Complicated claims process
  • The company can cancel policies giving little or no information

How to apply for NY Central Mutual car insurance

To apply for NYCM car insurance or to get a quote, you’ll need to:
  • Contact a local agent.
  • Call 800-234-6926
  • Website

How to make a car insurance claim with NY Central Mutual

  • online
  • phone
  • in-person

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