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Berryhill New York
A winding road through the Hudson Valley in autumn
Auto Insurance

Every New York road leads somewhere worth protecting.

Hudson Valley roads · Across New York StateInsurance for lives in motion
A Berryhill approach

Turn to us for any auto insurance need

New York requires every driver to carry insurance, but the legal minimum is rarely the coverage that actually protects you. If you're involved in an accident, you want the peace of mind that your policy will cover the damage — and an experienced agent who answers when you call.

At Berryhill New York, we help you build an auto policy that fits how you actually drive: city streets, country roads, winter weather, a teen driver, or a second vehicle. Adding a car or adjusting coverage usually takes a single phone call, and there's always a real person on the other end.

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Coverage you can count on
Built for New York roads

Count on us to cover all of your needs

Accidents are rarely convenient. If you get sideswiped on the Northway or rear-ended in a parking lot, trust that we're standing by to help. We'll find a policy that covers what you drive — on the road, off the road, or on the water — and we'll walk the claim through with you from start to finish.

What we cover

  • Personal Auto
  • Commercial Auto
  • Motorcycle
  • Boat
  • ATV
  • Golf Cart
FAQ

Frequently Asked Questions

What's the minimum auto insurance required in New York?
New York requires liability coverage of at least 25/50/10 — that is, $25,000 for injuries per person, $50,000 total per accident, and $10,000 for property damage. New York also requires no-fault (PIP) and uninsured motorist coverage. This is the legal minimum, not what most drivers actually need — we recommend higher limits for anyone with assets to protect.
What's the difference between liability and full coverage?
Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen trees, animal strikes). If your car is financed or leased, lenders almost always require full coverage.
How can I lower my auto insurance premium?
The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, improving your credit, and using telematics programs. Our annual policy reviews catch cases where your rate drifted up or your coverage no longer matches your life.
Does my auto insurance cover me if I drive to another state?
Yes. A standard auto policy follows you across state lines for personal travel within the U.S. and Canada. If you're renting a vehicle on a long trip, call us before you go so we can confirm any gaps.
Do you cover motorcycles, boats, ATVs, and golf carts?
Yes — we write separate specialty policies for motorcycles, boats, ATVs, and golf carts. These aren't automatically covered by your personal auto policy, so if you own any of them, make sure we know.
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For every road ahead in New York

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