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Since 1986, Tri-State Consumer Insurance Company has been offering home and auto policies “by New Yorkers, for New Yorkers.” Tri-State Insurance serves NYC areas including the Bronx and Staten Island.

To decide whether Tri-State Insurance is a good choice for vehicle protection, we will look at the company’s coverage options, costs, customer reviews, and more. Then we’ll compare Tri-State Insurance to some of the best car insurance providers in the nation.

When shopping around for a new car insurance policy, it’s smart to get quotes from multiple sources and compare coverage to be sure you’re paying the best rates. Along with the insurance company you choose, factors like your age, vehicle, and driving history can affect your rates.

Use the tool above or give our team a call at (844) 246-8209 to start comparing free auto insurance quotes.

Tri-State Insurance Overview

Tri-State Consumer Insurance Company, also known as TSC>Direct, provides auto insurance to drivers in the New York City area. Through Tri-State Insurance, you can get auto coverage in the following locations:

  • Manhattan
  • Queens
  • Brooklyn
  • Bronx
  • Staten Island
  • Nassau and Suffolk Counties, Long Island

Homeowners insurance is also available in those areas, as well as in Westchester County and Orange County.

Tri-State Insurance is a small operation compared to the biggest car insurance companies, like State Farm and Geico. However, it has a strong reputation in New York City. The Better Business Bureau (BBB) gives TSC>Direct an A+ rating, and hundreds of Google reviews give the auto insurance company a 4.1 out of 5.0-star rating overall.

Tri-State Insurance is invested in the community it serves and works with charities such as the Red Cross and Island Harvest to give back.

Tri-State Auto Insurance Coverage

Tri-State Insurance coverage ranges from basic car insurance to full coverage policies. A basic policy meets the limits required by New York state for drivers to legally operate a vehicle, while extra options for coverage include collision and comprehensive insurance.

Liability limits in New York are 25/50/10. This means every driver in the Empire State is required to carry:

  • $25,000 in bodily injury liability insurance per person
  • $50,000 in bodily injury liability insurance per accident
  • $10,000 in property damage liability insurance per accident

Drivers in New York are also required to carry personal injury protection (PIP) and uninsured/underinsured motorist coverage (UM/UIM). All of these types of car insurance are available with TSC>Direct. However, the provider does not appear to offer any add-on coverages like roadside assistance and rental car reimbursement, which are common among other providers.

Tri-State Insurance Cost And Discounts

The only way to know for sure what you would pay for Tri-State Insurance is to get a quote. Your average car insurance payment depends on many things, including your age and gender, exact location, the type of vehicle you want to insure, and your driving history.

According to the Insurance Information Institute, New York is one of the most expensive states for car insurance. Drivers in 2016 had an average annual expenditure of $1,349.72 – spending about $869.13 on liability auto insurance, $437.13 on collision insurance, and $179.31 on comprehensive car insurance.

With Tri-State Insurance, some discounts you could qualify for to lower the cost of your auto insurance policy include good student discounts, low annual mileage discounts, safe driver discounts, and more.

Comparing car insurance quotes in New York is the best way to find affordable coverage. When it comes to Tri-State Insurance, the company advertises an extremely quick online quotes process – under two minutes. In our research, we found the provider’s quote tool to be very intuitive.

To start comparing free car insurance quotes from more insurers in the area, use our tool below or call (844) 246-8209:

Compare auto insurance rates
Enter your zip code to shop for the best rates in your area:

Ratings And Reviews For Tri-State

Tri-State Insurance maintains positive ratings among industry experts, with an A+ financial strength rating from AM Best and an A+ from the BBB.

Customers, too, are pleased with Tri-State. There are hundreds of positive reviews on the company’s Google business page and only a handful of negative reviews. Satisfied customers note excellent customer service and a quick claims process, while dissatisfied customers highlight unexpected cancellations based on mileage.

Here are a few examples of what customers have to say about Tri-State Insurance:

“I truly appreciate the hospitality that is shown by the staff at [TSC>Direct]. There was never a time my questions weren’t answered or my problem resolved. New York City insurance companies are everywhere, but TSC shows what quality of service looks like.”

-Sonya M. via Google

“[It was] my first time putting in a claim, so I was not sure how long or how much time it [would] take. [Talked] to TSC on a Thursday, and by the next Monday, the adjuster came to see my truck, took the pictures and information. In less than a week, my claim was approved. Excellent job.”

-David P. via Google

“Just as I thought, TSC is just a waste of time and money. They canceled me after a month claiming excessive mileage… Don’t give them business – they are doing it with many people, as you can see [in the] reviews below.”

-Mario P. via Google

Our Verdict On Tri-State Insurance: 3.3 Stars

Overall, Tri-State Insurance is a decent choice for car insurance in New York City. The provider offers standard coverage without any extras. Most customers are pleased with the coverage and service, and we like the auto insurance company’s online tools and mobile app. That being said, drivers looking for more comprehensive coverage will find better companies than Tri-State.

AvailabilityNew York City area
CoverageStandard coverage only
Industry ReputationHigh marks from experts and customers
TechnologyOnline quotes and claims processes, mobile app

You can use the tool below or simply call (844) 246-8209 to collect and compare free quotes from providers in New York. We recommend getting quotes from at least three companies before making a final decision.

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Enter your zip code to shop for the best rates in your area:

Top Recommendations For Car Insurance

We’ve done our homework to help you find the best choices for New York car insurance. Two of the providers that performed well in our New York state review are Geico and State Farm.

Geico: Best Overall

Geico is one of the top insurers in the United States for a reason. Looking at expert ratings and customer reviews, it’s clear that Geico values customers by offering competitive rates and a smooth claims process.

With Geico, customers have the choice of buying standard coverage or selecting a plan that includes things like roadside assistance, rental car reimbursement, and mechanical breakdown insurance. Some of the groups that qualify for Geico discounts include good drivers, good students, and military personnel. Read our comprehensive Geico auto insurance review for more information.

State Farm: Best For Students

State Farm is our choice for the best car insurance company for student drivers because of its wide variety of student discounts. That being said, we also think it’s a good choice for drivers that aren’t students.

One of the discounts available from State Farm is the Steer Clear program, which encourages safe driving for drivers under 25 years old. There’s also the standout Drive Safe & Save™ program, which monitors driving habits on a mobile app to help you save on car insurance.

Along with standard car insurance, State Farm offers rental and travel expense reimbursement, rideshare coverage, and roadside assistance. For more, read our State Farm insurance review.


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.