New York Auto Insurance Rates & Requirements
New York requires 25/50/10 liability coverage and is a no-fault state.
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New York at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
New York operates as a no-fault state, meaning your own insurance pays for medical expenses and lost wages regardless of who caused the accident. All drivers must carry proof of insurance at all times — failure to produce an insurance ID card during a traffic stop results in immediate fines and potential license suspension. The New York Department of Financial Services requires electronic insurance verification, and law enforcement can access your coverage status in real time through the state database.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
Supplementary Uninsured/Underinsured Motorist (SUM)
Cost Overview
about $146/mo
Average car insurance spending in New York
Rate data: NAIC Auto Insurance Database, 2023
What Affects Your Rate
- Vehicle theft: New York City ranks 6th nationally for vehicle theft, with Honda Accord, Honda Civic, and Toyota Camry models most frequently stolen — comprehensive coverage costs reflect these elevated risks.
Find Out What Your Coverage Should Cost
Compare Rates and Get CoveredCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. New York's 25/50/10 minimums are dangerously low — a serious multi-vehicle accident on the Thruway or FDR Drive can generate claims exceeding $200,000, leaving you personally liable for the difference.
Full Coverage
Combines liability, collision, comprehensive, and enhanced uninsured motorist coverage. Protects both your legal obligation to others and your own vehicle investment — essential for financed or leased vehicles and recommended for any car worth more than $4,000.
Comprehensive Coverage
Pays for vehicle damage from theft, vandalism, weather, falling objects, and animal strikes. Covers everything except collisions with other vehicles or objects — deductible typically ranges from $250–$1,000.
Collision Coverage
Pays to repair or replace your vehicle after a collision with another car or object, regardless of fault. Required by lenders on financed vehicles and recommended for any vehicle worth more than $3,000–$4,000.
Uninsured Motorist Coverage
Protects you when hit by drivers with no insurance or hit-and-run drivers. New York requires 25/50 UM coverage but allows you to purchase higher limits — upgrading to 100/300 costs $80–$150/year and provides crucial protection.
Personal Injury Protection (PIP)
Mandatory $50,000 coverage for your medical bills, lost wages, and other economic losses regardless of fault. New York PIP pays promptly without determining fault — claims must be paid within 30 days of submission with proper documentation.