Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

NYCM car insurance review Sep 2020

Last updated:  

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

finder.com's rating: 3.5 / 5

★★★★★

  • 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
Accident forgiveness Yes
New car protection No
Pay schedule 12 months
Claims methods online, phone, in-person
Rideshare coverage No
SR-22 support No

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

Expert review

Roslyn McKenna

Review by


Roslyn McKenna is an insurance publisher for Finder, where she's driven to help people get a great deal on car, life, home and other insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

Expert review

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.

Who is New York Central Mutual best for?

NYCM may be a good choice for you if you want personalized support. You can talk to an agent 24/7 to help customize the right coverage for you and find the best rates.

NYCM is only available for drivers living in New York state, so look elsewhere if you don’t live in New York or would prefer a more tech-friendly experience.

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 features does NY Central Mutual have?

  • 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 can I get with NY Central Mutual?

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

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

  • Online
  • Agent

How to contact NY Central Mutual

Call (800) 234-6926 to get in touch with NY Central Mutual.
  • Online
  • Phone

How to make a car insurance claim with NY Central Mutual

  • online
  • phone
  • in-person

Compare alternatives to NYCM

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
loading

Compare up to 4 providers

Questions about NYCM car insurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site