Save up to $400 on
New York car insurance

New York Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

New York mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Anyone caught operating their vehicle without insurance will face license suspension, loss of vehicle registration, tickets, fines, and possible impoundment. Loss of vehicle registration for 90 days or less accrues fines of $8 to $12 per day for each day the vehicle is uninsured.

New York Minimum Liability Coverage
Each state sets its own minimum liability amounts. In New York they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $10,000
  • Personal Injury Protection: $50,000

New York Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

New York requires everyone to carry minimum UM/UIM coverage of $25,000 per person and $50,000 per accident.

No Fault Insurance
New York is a No Fault state meaning that a driver will have their injuries paid for by their insurance company no matter who is at fault.