Auto Insurance

Driven to protect you.

You deserve auto insurance that protects you whether you're on a cross-country road trip or running errands in town. That's why we don't offer just one car insurance policy. We shop the market to ensure you get the coverage you need at a price you can afford.

Get a Quote

Protecting your journey is just a few steps away.

Get Started

Your policy could include coverage for:

  • Vehicle replacement costs if your vehicle is involved in an accident
  • Factory parts from your vehicle's original manufacturer, rather than generic parts
  • Cost of a rental vehicle if your car is damaged in an accident and needs repaired
  • 24-hour roadside assistance, including towing services
  • The "gap" between what you owe and what your vehicle is worth if your car is declared a total loss due to an accident or theft (other companies only pay fair market value)
  • Total loss replacement for newer cars


  • Avoid a rate increase following your first at-fault accident
  • You may qualify for additional savings, such as higher education discounts, vehicle safety feature discounts, or bundle discounts
  • Your youth driver could qualify for a discount if the following criteria are met: the covered driver is a full-time student, has good grades, has completed driver's education training, or is away at school without a car

Possible policy features extend beyond the above list. Work with a representative to find the coverage that's right for you.

Discount for New York Residents

Get over 50% off the New York State Defensive Driving online course! Plus, completion of this course earns you a 10% reduction on your liability, no-fault, and collision premiums for 3 years.

Take the Course

Aimee Tucker / Jill Goett / Lisa McSherry - Marketing

Carriers We Work With



Hanover logo


Progressive logo






Let's Talk

Fill out the form below to talk with a Pearl Insurance representative.


Your information has been successfully submitted to one of our representatives. We will respond to you in a timely manner.

Thank you for your interest in Pearl Insurance!

What are your products of interest?

Let's Talk

Fill out the form below to talk with a Pearl Insurance representative.

Thank you! Your inquiry has been received.