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New York Central Mutual insurance review 2024

Updated Nov 13, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

4.0
Rating: 4 stars out of 5
Bankrate Score
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Auto

Rating: 3.9 stars out of 5

3.9

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Cost & ratings

Rating: 4.5 stars out of 5

4.5

Coverage

Rating: 3 stars out of 5

3.0

Support

Rating: 3.8 stars out of 5

3.8

Home

Rating: 4.1 stars out of 5

4.1

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Cost & ratings

Rating: 4.3 stars out of 5

4.3

Coverage

Rating: 3.7 stars out of 5

3.7

Support

Rating: 4 stars out of 5

4.0

About Bankrate Score

Bankrate's take

New Yorkers who prefer to work with a regional company may be interested in NYCM’s home and auto policies. However, its digital tools are not as robust as some national counterparts, which could deter some customers.

  • Only writes policies in the state of New York
  • Ranked above-average in the 2024 J.D. Power Auto Insurance Study
  • Digital tools are lacking
  • Up to 15 percent discount for bundling home and auto policy; up to 7 percent discount for auto and renter bundle
  • Policies are sold through NYCM agents, onlines quotes are not available

New York Central Mutual Insurance car insurance review

Bankrate took a deep dive into New York Central Mutual car insurance and based on our assessment, this company could be a good choice for New Yorkers who want basic coverage options and excellent customer service from a regional carrier. Beyond the standard policy options — including bodily injury liability, property damage liability, uninsured motorist coverage and personal injury protection, which are required in New York — NYCM doesn’t advertise some of the various add-on coverage options that many of the nation’s best car insurance companies offer. However, it does offer three tiers of emergency roadside assistance, plus collision and comprehensive coverage.

Although the carrier is limited to New York and the company offers basic coverage options, NYCM earned a solid auto Bankrate Score of 4.0 out of 5. NYCM also received an A+ (Superior) rating from AM Best, indicating a stable history for its financial strength, but was not rated by Standard & Poor’s (S&P). It also ranked above average in the 2024 J.D. Power Auto Insurance Study for overall customer satisfaction in the New York region for the third year.

Pros and cons of New York Central Mutual Insurance car insurance

Learning more about an insurance company could reveal whether or not it’s the best fit for your needs. When comparing car insurance carriers, here are some quick facts about New York Central Mutual Insurance car insurance:

Green circle with a checkmark inside

Pros

  • Extensive list of car insurance discounts available
  • Tiered roadside assistance package can be added to car insurance policy
  • Split or single limit auto insurance policy may be available for some drivers
Red circle with an X inside

Cons

  • Poorly rated mobile app on the App Store and Google Play
  • Policies are only available in New York state
  • Need an agent to purchase policy and make changes; cannot purchase or modify your policy online or in the app
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New York Central Mutual Insurance car insurance cost

As of November 2024, the national average cost of car insurance is $2,458 per year for a full coverage policy and $678 for minimum coverage. To compare, average auto insurance rates from NYCM are $2,664 per year for full coverage and $700 for minimum coverage. While these figures may seem high, it’s important to also take New York state’s higher auto insurance costs into account. NYCM’s full coverage rate is 31 percent less than the average full coverage cost of car insurance in New York, which is $3,846 per year.

How much is New York Central Mutual car insurance?

Insurance companies look at a driver’s history to determine how risky they are to insure. Drivers with clean driving records typically enjoy the cheapest average car insurance rates, while drivers who have even a single infraction, like a speeding ticket or accident, might pay more for the same coverage. Depending on the infraction or number of points on your license, some insurance providers might label you a high-risk driver. Note that some companies don’t cover drivers with a DUI, and they may require special coverage like an SR-22. The best way to see what your insurance rates would be is to request a quote from one of NYCM’s insurance agents.

Good driver, good credit
New York Central Mutual full coverage premium
$2,664
National full coverage premium
$2,458
New York Central Mutual full coverage premium
$6,945
National full coverage premium
$4,502
New York Central Mutual full coverage premium
$2,664
National full coverage premium
$2,975
New York Central Mutual full coverage premium
$2,664
National full coverage premium
$3,508
New York Central Mutual full coverage premium
$3,928
National full coverage premium
$4,713
*All rates displayed are average annual rates.

New York Central Mutual car insurance quotes by age

Drivers under the age of 25 typically see the most expensive insurance premiums of any age group. Insurance providers usually charge more for young drivers because they aren’t as experienced behind the wheel and are more likely to file claims. Statistics also point to riskier driving behavior among teens, which can contribute to higher premiums. However, many insurance providers (NYCM among them) offer discounts for enrolling in a defensive driving course and for getting good grades, which can make car insurance more affordable for teens and young adults.

New York Central Mutual full coverage premium
$3,819
National full coverage premium
$5,229
New York Central Mutual full coverage premium
$3,638
National full coverage premium
$4,501
New York Central Mutual full coverage premium
$4,586
National full coverage premium
$4,972
New York Central Mutual full coverage premium
$3,995
National full coverage premium
$3,031
New York Central Mutual full coverage premium
$3,114
National full coverage premium
$2,622
New York Central Mutual full coverage premium
$2,664
National full coverage premium
$2,458
New York Central Mutual full coverage premium
$2,358
National full coverage premium
$2,220
New York Central Mutual full coverage premium
$2,664
National full coverage premium
$2,458
New York Central Mutual full coverage premium
$2,358
National full coverage premium
$2,220
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare New York Central Mutual car insurance rates

Each insurance company uses its own method to determine your car insurance rate. One company may be more forgiving if you have a speeding ticket, while another may penalize you for it. Comparing quotes from a handful of different providers can help you hone in on the company that may be best for you price-wise. In the table below, we’ve compared average rates from NYCM and other top car insurance companies in New York.

$2,664
$700
$3,060
$987
$2,418
$706
$3,081
$925
$1,992
$585
$1,934
$697
$2,688
$886
$1,996
$543
$2,127
$767
$1,775
$463
$1,934
$697
$2,688
$886
$1,996
$543
$2,127
$767
$1,775
$463
*All rates displayed are average annual rates.

New York Central Mutual customer satisfaction

Analyzing ratings and reviews by third-party agencies could shed some light on how satisfied customers are with a certain insurance company. These organizations review complaints and conduct surveys to get a sense of the customer experience for insureds. Since NYCM is only available in New York, J.D. Power did not include it in its 2023 Auto Claims Satisfaction Study. But, it did place third in the New York region of the 2024 Auto Insurance Study.

New York Central Mutual auto insurance customer complaints

The NAIC Complaint Index is another great way to gauge customer satisfaction. The NAIC Complaint Index tracks the number of formal complaints filed against a company, and assigns a score based on complaint volume. A score of 1.00 indicates that a company received a number of complaints expected for a company its size, while a higher score means a company received more complaints than expected. NYCM’s numbers are low for its auto insurance product, which signals that customers are overall satisfied with the company.

New York Central Mutual Insurance car insurance discounts

If you prioritize cheap car insurance, discounts can help. NYCM offers an extensive list of car insurance discounts for drivers to save on auto insurance. Some are based on the features of a vehicle, while others depend on the driver. These include:

  • Driving training: Young drivers under age 21 may take a qualifying course to earn a discount on their auto policy. The discount amount for successfully completing the course ranges from 6 percent to 10 percent, depending on the driver’s age.
  • Coupler discount: If the named insured on the auto policy also has an umbrella, homeowners or renters insurance policy with NYCM, they could discount up to 25 percent off the auto policy.
  • Daytime running lamps: If your vehicle has this feature, you could earn up to a 3 percent discount on your NYCM auto policy.
  • Airbag/automatic seat belt discount: If these come installed by the factory in your vehicle or you have more than one airbag, the medical payment and personal injury protection portions of your car insurance could receive up to 30 percent off.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Get personalized auto insurance quotes

Answering a few quick questions to check your availability with New York Central Mutual
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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

New York Central Mutual home insurance review

New York Central Mutual’s home insurance offerings are pretty straightforward. In addition to the basics (dwelling, other structures, personal property, loss of use, personal liability and medical payments), NYCM offers homeowners a couple of different policy endorsements — but not as many as some of its competitors. These include scheduled personal property, service line coverage and equipment breakdown coverage. NYCM partners with Wright Flood, a private flood insurance company, to offer homeowners flood coverage.

Like its auto policies, NYCM home insurance cannot be purchased online. To get a quote, you must contact a company agent.

Pros and cons of New York Central Mutual Insurance home insurance

New York Central Mutual’s home insurance policy may not be the right fit for every New York homeowner. Here are some quick facts about the carrier and policy type:

Green circle with a checkmark inside

Pros

  • Unique discount opportunities for recently renovated or newly purchased homes
  • Claims service available 24/7
  • Some add-on coverage available for equipment & appliance breakdown and utility line expense
Red circle with an X inside

Cons

  • No online quotes
  • Home insurance not rated by J.D. Power for customer satisfaction
  • Limited tools for digital policy management, especially for digital inventorization of personal belongings
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New York Central Mutual Insurance home insurance cost

NYCM has cheap home insurance rates compared to the national and statewide average. Our analysis of rate data from Quadrant Information Services shows that, on average, NYCM customers pay $656 per year for a $300K dwelling limit policy. This is about 72 percent less than the national average cost of home insurance, which is $2,304 per year for a $300K policy. Below, you can see average rates based on dwelling limits for New York Central Mutual home insurance.

$150K dwelling
New York Central Mutual average premium
$420
National average premium
$1,406
$300K dwelling
New York Central Mutual average premium
$656
National average premium
$2,304
$350K dwelling
New York Central Mutual average premium
$738
National average premium
$2,571
$450K dwelling
New York Central Mutual average premium
$896
National average premium
$3,118
$750K dwelling
New York Central Mutual average premium
$1,410
National average premium
$4,549

Compare New York Central Mutual homeowners insurance rates

Like with auto insurance, your home insurance costs will partly depend on rating factors unique to you. Each carrier evaluates homeowners differently, which is why it’s so important to compare rates before deciding on a policy. You can compare average rates from NYCM and some of New York’s other prominent insurance companies in the table below. Keep in mind that rates are reflective of a policy with a $300K dwelling limit.

$656
- $1,648
$1,984
- $320
$2,289
- $15
$1,451
- $853
$2,448
+ $144
$1,772
- $532
$3,567
+ $1,263
$1,698
- $606
$2,485
+ $181
$1,871
- $433
$1,772
- $532
$3,567
+ $1,263
$1,698
- $606
$2,485
+ $181
$1,871
- $433

New York Central Mutual customer satisfaction

Compared to its car insurance, there is less third-party information on NYCM’s home insurance. The carrier was not rated by J.D. Power in the 2023 Home Insurance Study or the 2024 Property Claims Satisfaction Study. However, the company does have an A+ (Superior) financial strength rating from AM Best, which indicates that the company has a strong ability to pay out claims. This is particularly important for home insurance, where claims can quickly get into four, five and six-figure ranges.

New York Central Mutual home insurance customer complaints

From 2021 to 2023, NYCM has maintained a low NAIC Complaint Index for its home insurance product. This is usually a green flag in terms of customer service, and implies that customers are overall pretty happy with the company.

New York Central Mutual Insurance home insurance discounts

NYCM has added to the homeowners insurance policy discounts it offers. In addition to common discounts, like a multi-policy discount, policyholders can enjoy unique discounts that are also offered by some of the best homeowners insurance companies:

  • Work from home: If the named insured works at least 20 hours per week from home, the policy may be eligible for a 5 percent discount. This discount cannot take effect if the retirement discount is already in place and self-employment is not applicable.
  • Gated community: This discount may apply to homes located within a gated community.
  • Retirement: In addition to base eligibility starting at age 55 and older, NYCM’s retirement discount has additional requirements. It can only apply if either the named insured or spouse in the same residence is not employed full time, occupies the residency at least 10 months of the year, and insures the policy dwelling amount up to value.
  • Renovation discount: Homes 20 years old or older can qualify for this discount if the homeowner has recently replaced the roof or primary heating source. Homeowners must provide proof of purchase and installation to NYCM. Effective from the date of installation, the discount remains on the policy for 20 years.
  • Protective device discount: If your home is outfitted with burglar alarms, fire alarms, automatic sprinklers, generators or other home protection devices, you could enjoy a discount on your premium.
  • Green discount: If your home is certified as Green by the U.S. Green Building Council LEED for homes rating system or meets green guidelines as set by the National Association of Home Builders Green Building Guidelines, you may be eligible for a 5 percent discount.
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Get personalized home insurance quotes

Answering a few quick questions to check your availability with New York Central Mutual

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Compare New York Central Mutual with other insurers

Because of its limited availability, this NYCM insurance review may reveal that it is not the right option for everyone. If this is the case for you, here are three other insurance companies to consider:

Badge Icon Featured

NYCM

NYCM
Rating: 4 stars out of 5
4.0
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Cost & ratings

Rating: 4.4 stars out of 5
4.4

Coverage

Rating: 3.4 stars out of 5
3.4

Support

Rating: 3.9 stars out of 5
3.9

American Family

American Family
Rating: 4.2 stars out of 5
4.2
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Cost & ratings

Rating: 4.3 stars out of 5
4.3

Coverage

Rating: 4.2 stars out of 5
4.2

Support

Rating: 4 stars out of 5
4.0

Geico

Geico
Rating: 4.4 stars out of 5
4.4
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Cost & ratings

Rating: 4.7 stars out of 5
4.7

Coverage

Rating: 4 stars out of 5
4.0

Support

Rating: 4.4 stars out of 5
4.4
OVERVIEW
Info Icon
With a wide variety of discount options for both home and auto insurance, American Family could be an option for those who want to stack savings. Unique opportunities for young drivers to save exist too, such as its Young Volunteer discount, which provides a discount for drivers under 25 years old and have volunteered with a non-profit for at least 40 hours.
If you prefer a large, national insurer for auto insurance, Geico might be one to check out for a car insurance quote because of its array of policy personalization options for auto insurance. It also has a robust online and mobile app for those who want to manage their policies online.
STANDOUT FEATURES
Info Icon
Location Icon
Available in 19 states
Life Insurance Guide Icon
Whole and term life insurance
Loan Icon
Offers unique add-ons
Car Icon
DriveEasy telematics program
Online Reviews Icon
Robust digital tools
Dollar Coin Icon
Long list of potential discounts
AVG FULL COV. AUTO RATE
Info Icon
$2,688 $2,107
J.D. POWER AUTO SCORE
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874/1000 874/1000
AVG HOME RATE
Info Icon
$1,698 No rates available
J.D. POWER HOME SCORE
Info Icon
638/1000 Not Scored
AM BEST RATING
Info Icon
A(Excellent) A++(Superior)
Bankrate logo

Why you can trust Bankrate

Read our full methodology

Our insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth New York Central Mutual insurance review.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Is New York Central Mutual Insurance a good insurance company?

Bankrate’s team of insurance experts, which includes licensed agents with decades of combined insurance experience, dedicate time each year to evaluating carriers to help our readers find the best coverage for their needs. Our research finds that New Yorkers who prefer a regional insurance carrier that has had longevity in the insurance market — over 100 years offering home and auto insurance — might want to look into New York Central Mutual. The carrier offers a solid list of discounts (especially for a regional carrier). Its endorsement offerings for auto insurance, however, are slightly more robust than its home insurance.

NYCM may not be best for a tech-savvy home or car owner looking to manage their insurance needs online or through a mobile app. Online quotes are not available, either, so NYCM may be better suited to someone looking for a go-to insurance “guy” to assist them with their policy.

What are real-life customers saying about New York Central Mutual?

As part of our New York Central Mutual insurance review, our insurance editorial team looked at what real customers had to say on Reddit. The general consensus around NYCM was skewed positive, with multiple policyholders citing the company’s strong customer service as a main reason for staying. But, some customers claimed that steep renewals made them look at other options.

Reddit User 1*
Dec 22, 2023
NYCM renewal rates
“I got quotes for $5-6k for my single family home. Which is ridiculous. My home insurance with NYCM was $1900 2 years ago, this year they surprised me with an apology letter and said it’s now $2700+. Going back to another broker in the Bronx to shop around soon.”
Reddit User 2*
Dec 23, 2023
NYCM customer service
“Have them for auto and home insurance. Never made a home insurance claim, but someone hit our car and their customer service department was excellent to work with helping us get a rental and our check for a new car.”

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

New York Central Mutual company details

  • Customer service phone number: 1-800-234-6926
  • Customer service email: customerservice@nycm.com
  • Sales: Contact a local agent
  • Payments and billing email: accountstatus@nycm.com
  • Claims phone number: 1-800-234-6926 24/7 or
  • Claims email: myclaim@nycm.com

State availability

New York Central Mutual’s car and home insurance policies are only available in New York.

New York Central Mutual tools and benefits

  • Condo insurance: If you own a condo, you can purchase coverage for personal liability, the interior structure of the condo and personal property under a covered loss.
  • Mobile home insurance: You can purchase four types of coverage for your mobile home including coverage for the mobile home itself, other structures, contents and loss of use as long as the mobile home is less than 10 years old.
  • Home insurance safety tips: NYCM wants to help homeowners stay safe and prevent potential damage. To do so, the company provides a list of safety tips on its website, broken down by season, so you can be proactive in mitigating risk.
  • Business insurance: NYCM writes business insurance for over 200 classes of businesses, so you can get property damage coverage and loss of business coverage. The company writes policies for offices, restaurants, services, retail and residential or building owners.
  • Valued possession coverage: If you own valuables like furs, jewelry, camera equipment, instruments, boats, snowmobiles or sports equipment, you can purchase additional coverage.

Frequently asked questions about New York Central Mutual Insurance

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region.

Auto

Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Homeowners

Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

What policyholders are saying about New York Central Mutual

CTA New York Central Mutual has 24 reviews

New York Central Mutual has 24 reviews

Dive into community reviews below and see what others think about New York Central Mutual.

4.5 Star Icon
24 ratings
Info Icon
88% of consumers
recommend this insurer
Score breakdown
5 stars
63%
4 stars
25%
3 stars
13%
2 stars
0%
1 star
0%
Score by category
Overall rating 4.5 / 5
Original cost 4.3 / 5
Coverage 4.5 / 5
Customer Support 4.5 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about New York Central Mutual.
Search Icon
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Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
I received a good rate
How does this insurer compare to insurance companies you’ve had in the past?
It is better than I use to have in the past
Insurance Type
Home
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
It has the best insurance policy which makes it an easy decision to comply with and with enough coverage of experienced staffs which enables the insurance provider to provide the most reliable care
How does this insurer compare to insurance companies you’ve had in the past?
It exceeded my expectations in terms of the policy application which makes it very easy for me as a customer to implement
Insurance Type
Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Pricing and service
How does this insurer compare to insurance companies you’ve had in the past?
There service
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
ITS A GOOD INSURER BASED IN MY STATE. IT COVERS MY NEEDA AS FAR HAS WHAT I NEED COVERED
How does this insurer compare to insurance companies you’ve had in the past?
ITS A BIT MORE EXPENSIVE BUT WORTH THE PRICE. IT WASNT WHAT I EXPECTED BUT IT COVERS MOST ON MY NEEDS AND GIVES ME PEACE OF MIND.
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Prices much lower/customer service is excellent.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Prices are excellent. Would never consider leaving company-customer service is excellent.
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
I find that my service has been great and made the best possible by making strives to keep me happy as a customers while giving me the best offer on my plan. It makes it easy for me to combine auto and life insurance because it makes me a dual member
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Having the option of having both Auto and Life insurance makes it easy to keep two thing on one bill and not have as much headaches each month
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Convenient in every way and great coverage
How does this insurer compare to insurance companies you’ve had in the past?
I switched from Progressive and completely satisfied
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
It gives much better coverage and customer service
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The price
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
This insurance has the cheapest rate and I have always gotten all the damages encountered and reimbursed.
How does this insurer compare to insurance companies you’ve had in the past?
It has good customer service and quick to enquiry responses
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Affordable and accessible for the region that I'm in
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Number one reason for staying: customer service Number one reason I'd consider for leaving for a different company: cheaper prices.
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor, Insurance