TSC Direct Car Insurance Review (With Quotes, 2024)

Only available for New York City drivers, TSC Direct provides policyholders with quality mobile app access to manage their auto and home coverage.

Katie Powers
Written byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Jackie Cohen
Edited byJackie Cohen
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Jackie CohenEditorial Manager

Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.

Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated August 4, 2022 at 12:00 PM PDT

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Quick Facts
  • The average cost of car insurance with TSC Direct is $138 per month.

  • TSC Direct is good for New York City residents, mobile app access, and claims service.

  • TSC Direct is bad for non-New Yorkers, drivers with a past DUI, and life insurance.

Founded in 1982 with the goal of offering New Yorkers affordable insurance, the Tri-State Consumer Insurance Company provides auto, home, and renters coverage. On average, auto coverage from TSC Direct is $138 per month and $1,656 per year. Individual insurance rates vary depending on driving records, credit score, vehicle type, chosen coverage, and more.

TSC Direct Car Insurance Quotes by Driver History

What is the average cost of auto insurance from TSC Direct?

On average, TSC Direct policyholders pay $138 per month and $1,656 per year for their auto insurance policy. Individual rates fluctuate based on driving history, personal information, vehicle type, coverage levels, and more.

TSC Direct, like most insurance providers, calculates policy rates by considering factors like driving history, credit history, age, vehicle, location, and coverage levels. Those with clean driving records earn the lowest rates from TSC Direct, while drivers with a DUI face the highest rates. Those with an accident or ticket pay higher rates than good drivers with clean records.

Driver ProfileTSC Direct Average Monthly PremiumNational Average
Clean Record$134$108
DUI$267$159
At-Fault Accident$141$122
Speeding Ticket$147$116
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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TSC Direct Car Insurance Quotes by State

Area-specific factors, like population, crime rates, road infrastructure, state minimum requirements, weather, and climate, influence how insurance providers perceive policyholder risk levels and calculate policy rates. TSC Direct provides New Yorkers with coverage in Manhattan, Brooklyn, the Bronx, Queens, Staten Island, and Long Island. Rates may vary.

StateTSC Direct Average Monthly Premium
New York$138
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

TSC Direct Car Insurance Pros and Cons

TSC Direct coverage works for drivers in New York with access to coverage in New York City (Manhattan, Brooklyn, the Bronx, Queens, Staten Island) and Nassau and Suffolk counties on Long Island. The insurance provider offers competitive rates for auto, renters, and homeowners insurance, and policyholders appreciate good claims service and mobile app access.

ProsCons
  • Coverage for New Yorkers
  • Quality mobile app access
  • Claims service
  • Unavailable outside of New York
  • High rates for those with past DUI
  • No life or business insurance
Cheap Car Insurance

Cheap Car Insurance

TSC Direct Car Insurance Discounts

Policyholders with home and auto coverage from TSC Direct save between 5 and 10 percent on home insurance through a bundling discount. Drivers earn discounts from installing safety features like airbags, backup cameras, blind-spot monitoring, and anti-theft devices. Discount options and eligibility varies, and additional safe driver and good student discounts may apply.

Read More About Discounts: Common Car Insurance Discounts

TSC Direct Car Insurance Coverage Options

Auto coverage options from TSC Direct include basic policies meeting New York state minimum requirements and more robust policies. Minimum coverage available includes bodily injury and property damage liability, personal injury protection (PIP), and underinsured and uninsured motorist coverage.

For auto insurance customers looking for more protection, TSC Direct offers collision and comprehensive coverage, the latter of which provides drivers with protection from anything not related to an auto collision. Beyond auto insurance, TSC Direct sells co-op, renters, and home insurance to interested individuals in the New York metropolitan area.

TSC Direct Car Insurance Reputation

With an A- financial strength rating from A.M. Best, TSC Direct is financially secure and reliable when it comes to underwriting policies. Since 1982, TSC Direct has been known for quality home and auto coverage in Manhattan, Brooklyn, the Bronx, Queens, Staten Island, and Long Island. Home insurance extends to Westchester and Orange counties.

Customer reviews for TSC Direct range in levels of customer satisfaction. Positive reviews cite professionalism from representatives, reasonably priced coverage for drivers with clean records, and online and mobile app access. Complaints mention instances of quickly dropping customer coverage and general selectiveness in choosing policyholders.

TSC Direct Customer Service

Based in New York, TSC Direct has customer service representatives available by phone at 1 (516) 681-9400, on the mobile app, or through the website’s contact information page. Potential customers should call 1 (800) 564-6669. Office visits can be coordinated for an in-person meeting. The office address is 100 Jericho Quadrangle, Suite 124, Jericho, NY, 11753.

TSC Direct Claims Filing Process

TSC Direct policyholders report auto insurance claims through an easy process online or through the mobile app. After an accident or incident, customers report information on their policyholder specifics, the loss, the vehicle, and injury or damage information. Customers can always call 1 (516) 681-9400 with questions regarding claims, policy management, and more.

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Frequently Asked Questions

  • Is TSC Direct car insurance good?

    Car insurance from TSC Direct works best for New York residents living in Manhattan, Brooklyn, the Bronx, Queens, Staten Island, and Long Island. The insurer appeals to drivers interested in bundling auto and home insurance because of an available multi-policy discount. With online and mobile services, TSC Direct works best for those comfortable with technology.

  • How much does TSC Direct car insurance cost per month?

    On average, TSC Direct car insurance is $138 per month and $1,656 per year. Company rates do exceed national average rates, but the costs are reasonable within the state of New York. Individual auto insurance rates ultimately vary for each TSC Direct policyholder depending on driving history, credit history, age, vehicle type, chosen coverage level, city location, and more.

  • What car insurance discounts does TSC Direct offer?

    Policyholders with TSC Direct coverage earn savings through installing safety features like airbags, backup cameras, blind-spot monitoring, and anti-theft devices. Customers who bundle home and auto coverage earn between 5 and 10 percent with a multi-policy discount. Discount options and eligibility vary, and additional safe driver and good student discounts may apply.

  • How do I get the cheapest car insurance?

    The days of relying on an insurance agent to identify quality coverage at a low price are over. Considering all of your insurance options before purchasing a policy helps you identify affordable coverage. With the Insurify car insurance comparison tool, you can easily get quotes catered to your insurance needs. The best part? You can do it in just a few clicks.

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Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Katie Powers
Katie PowersAuto and Life Insurance Editor

Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

Jackie Cohen
Edited byJackie CohenEditorial Manager
Photo of an Insurify author
Jackie CohenEditorial Manager

Jackie Cohen is an editorial manager at Insurify specializing in property & casualty insurance educational content. She has years of experience analyzing insurance trends and helping consumers better understand their insurance coverage to make informed decisions about their finances.

Jackie's work has been cited in USA Today, The Balance, and The Washington Times.

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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