We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.
NYCM car insurance review
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