Tri-State Auto Insurance Review (2022)

This Tri-State Auto Insurance Review (2021) review will cover Tri-State Auto Insurance Review (2021) ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. The Tri-State Auto Insurance Review (2021) A.M. Best rating is A-. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Sep 24, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Sep 24, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Sep 24, 2022Fact Checked
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Tri-State Consumer Direct (TSC)

Average annual rate for good drivers:

N/A

A.M. Best rating:

A-

Complaint level:

Low

Pros

  • Auto insurance policyholders who own a home can also enroll in a Tri-State Consumer home insurance policy
  • TSC rewards policyholders who have a clean driving record with a discount

Cons

  • Tri-State Consumer Insurance is only available in New York and only has one location
  • Their coverage rates usually aren’t readily available online

The Bottom Line

Tri-State Consumer Insurance was founded as an auto insurance company in 1982. This New York-based company does not sell insurance anywhere outside of the state of New York.   TSC has made great strides in providing New York residents with auto and home insurance. The company doesn’t list any major highlights on its website, other than its good A.M. Best rating.

TSC doesn’t talk much about what it offers, but liability coverage is definitely available because all auto insurance companies, including Tri-State, must carry the New York auto insurance minimum requirements.

If a policyholder needs collision and/or comprehensive, they’ll have to ask an agent if these are available. But what about bundling options, discounts, and other programs? We’ll go over all that information next.

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Tri-State Insurance Company (MN) Discounts Available

TSC offers several other discounts for policyholders to make Tri-State auto insurance affordable on top of the already competitive rates. We’ve summarized them in a data table for your convenience.

Tri-State Consumer Auto Insurance Discounts
General DiscountsVehicle DiscountsOther Discounts
Accident Prevention CourseNew Vehicle DiscountSenior Citizen Discount
Driver’s Training CourseMulti-Vehicle DiscountMilitary Discount
Good Student DiscountRecovery SystemLoyalty Discount
Student Away at SchoolVIN Etching
Good Driver DiscountSafety Feature Discount
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You can earn a discount on your car insurance by completing a state-approved defensive driving and accident prevention course. Drivers under 21 years old who complete state-approved driver’s training courses are eligible for a discount.

In addition to driver’s training courses, TSC auto insurance will give discounts to students who perform well in academics as part of its Good Student Discount program (the student must maintain a 3.0 or above).

Tri-State Insurance Company (MN) vs. Competitors

Smaller car insurance companies can fly under the financial and credit rating radar, but Tri-State (also referred to as Tri-State Direct) managed to get a few grades among the top financial and credit rating agencies. Let’s see how they did by checking out the TSC Direct Insurance reviews below.

We’ll start with a summary of Tri-State’s ratings and Tri-State Consumer Insurance reviews among the most prominent financial and credit rating agencies. See the ratings in the data table below.

Financial & Credit Rating of Tri-State Consumer Auto Insurance
Financial & Credit Rating AgencyTri-State's Rating
AM BestA-
Better Business BureauA+
NAIC Complaint Index0
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Tri-State Consumer Insurance has limited ratings across the web. Two of the top rating agencies, A.M. Best and the Better Business Bureau, rate the car insurance company as strongly reliable in its obligations to policyholders.

We did research on TSC Direct insurance complaints; the NAIC reported that Tri-State Consumer Insurance had a complaint index of zero. It could be that TSC is very good at keeping customers satisfied, or it could be that it just doesn’t have enough complaints that conform to NAIC standards.

Frequently Asked Questions

#1 – What are the liability coverage requirements in New York?

The minimum requirement for auto insurance is liability coverage. The liability coverage limit in New York is $25,000 for bodily injury and $50,000 for the death of one person involved in an accident, $50,000 for bodily injury, and $100,000 for the death of two or more people in an accident. The property damage limit is $10,000 for a single accident.

#2 – What is full coverage auto insurance?

Full coverage is a combination of liability, collision, and comprehensive coverage.

#3 – Why aren’t Tri-State’s auto insurance rates made public?

It’s unusual for smaller companies to have a lot of rate information out there. However, the company does make it relatively easy for a person to get a quote through its website.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

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