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Effective August 1, 2021, Tri-State Consumer Insurance Company was purchased by and merged into Stillwater Property and Casualty Insurance Company. We stand ready to provide for your insurance needs in New York.

Renewing your policy is easy. At renewal, we will send you everything that you need to convert your policy to Stillwater. As a Stillwater policyholder, you have 24-hour access to your policy via our self-service platform or through our mobile app. If you prefer to speak with someone directly, we are available Monday through Friday from 8am-9pm EST and on Saturday from 8am-3pm EST. Click “Continue to Login” to learn more about what to expect from Stillwater.

  • Financial strength rated “A-“ (Excellent) by AM Best
  • 9 out of 10 policyholders would recommend us to others
  • Serving customers in all 50 states

Effective August 1, 2021, Tri-State Consumer Insurance Company was purchased by and merged into Stillwater Property and Casualty Insurance Company. We stand ready to provide for your insurance needs in New York.

Renewing your policy is easy. At renewal, we will send you everything that you need to convert your policy to Stillwater. As a Stillwater policyholder, you have 24-hour access to your policy via our self-service platform or through our mobile app. If you prefer to speak with someone directly, we are available Monday through Friday from 8am-9pm EST and on Saturday from 8am-3pm EST. Click “Continue to Login” to learn more about what to expect from Stillwater.

  • Financial strength rated “A-“ (Excellent) by AM Best
  • 9 out of 10 policyholders would recommend us to others
  • Serving customers in all 50 states

Updated October 5, 2020


The TSC COVID-19 Giveback will be credited towards new business policies written effective May 15, 2020 - November 14, 2020. Don't Miss out! Apply Today!


A premium credit equal to 15% of three months- worth of premium will automatically be applied to your policy. This one time per insured credit requires no action on your part. We will adjust your billing invoice and notify you when the credit has posted.


The TSC COVID-19 Giveback will be credited towards renewal policies effective May 15, 2020 to May 14, 2021.


Please check your coverage effective dates. Some restrictions apply.




Updated May 26, 2020


TSC COVID-19 Giveback: A one-time premium credit equal to 15% of three months- worth of premium will automatically be applied to your policy. No action is required on your part. We will adjust your billing invice and notify you when the credit has posted.


Please check your coverage effective dates. The TSC COVID-19 Giveback will be credited towards the following:




Updated: May 13, 2020


For nearly 35 years, TSC>Direct has had the privilege of serving New York customers, neighborhoods, and communities. Together we’ve faced our share of challenges - from natural disasters, to economic downturns, and now a global pandemic. Through them all our commitment to supporting you, our valued customer and neighbor, has not changed. We stand with you during this unprecedented time.


TSC>Direct recognizes that you are driving less as a result of the “stay-at-home order”. In response, we gained state approval to give back 15% of three months- worth of premium. The TSC COVID-19 Giveback applies to:


For New Yorkers, by New Yorkers
Since 1986, we have offered the most competitive rates in auto and homeowner's insurance in the New York metropolitan area. Why should everything cost more just because we live in the greatest city in the world? Take 2 minutes and get a free quote today.
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As of December 31, 2020,Tri-State Consumer Insurance Company, known by its trade name, TSC>Direct, had admitted assets of $105,209,825 and policyholders surplus of $56,249,824. Its total liabilities were $48,960,001 including $29,245,746 in reserves.
2021 All Rights Reserved. Tri-State Consumer Insurance Company, a division of Tri-State Consumer Inc., 100 Jericho Quadrangle, Suite 124, Jericho, NY 11753-2702
Providing auto and homeowners insurance to: New York City, Queens, Manhattan, Brooklyn, Bronx, Staten Island, and Nassau & Suffolk Counties in Long Island. Providing homeowners insurance also to: Westchester County and Orange County NY.
As of August 1, 2021, Tri-State Consumer Insurance Company was merged into Stillwater Property and Casualty Insurance Company. More information about Stillwater Property and Casualty Insurance Company can be found at Stillwater.com.