New York Minimum Insurance Requirements

State Minimum Auto Insurance Requirements in New York

New York, a state known for its vibrant cities, picturesque landscapes, and diverse culture, has specific auto insurance requirements that all drivers must adhere to. Whether you’re a lifelong resident or a recent transplant, understanding these requirements is crucial for legally operating a vehicle within the state.

Mandatory Liability Coverage:
- In New York, drivers are required to carry auto liability insurance. The minimum liability coverage amounts are as follows:
  - $25,000 for bodily injury liability per person.
  - $50,000 for bodily injury liability per accident (if multiple people are injured).
  - $10,000 for property damage liability per accident.
Personal Injury Protection (PIP):
- New York also mandates Personal Injury Protection (PIP) coverage. PIP pays promptly for economic losses (such as medical expenses and lost earnings) regardless of fault or negligence.
- The basic No-Fault coverage provides up to $50,000 per person for injuries sustained by the driver, passengers, and pedestrians due to your car’s use or operation within the state.
Uninsured Motorist Coverage:
- New York requires uninsured motorist coverage to protect against injuries suffered in hit-and-run accidents or collisions with uninsured vehicles.
Penalties for Noncompliance:
- Driving without the minimum required insurance can result in hefty fines, license suspension, and legal consequences.
- Maintaining proof of insurance is essential while driving.
Local Insurance Agents in New York:
- Consider reaching out to local insurance agents who can guide you through the process and help you find the right coverage. Here are some options:
- Derek Lee - Comparion Insurance Agency
  - Address: 28 Liberty St, 5th Flr, New York, NY 10005
  - Phone: (718) 487-1850
  - Visit Website
- Silver Lining Insurance Agency, Inc.
  - Address: 120 Broadway 37th Fl, New York, NY 10271
  - Phone: (212) 701-7938
  - Visit Website
- EK Insurance
  - Address: 99 Wall St #1234, New York, NY 10005
  - Phone: (484) 800-1000
  - Visit Website
- Marc Tedaldi - State Farm Insurance Agent
  - Address: 312 E 93rd St, New York, NY 10128
  - Phone: (212) 427-3110
  - Visit Website

Remember, having the right insurance coverage not only ensures compliance with state laws but also provides financial protection in case of accidents. Consult with a local agent to find the best policy for your needs 1 2 3 4 5.

If you are a driver in New York, you need to know the state's auto insurance laws and requirements. New York is a no-fault state, which means that regardless of who caused an accident, each driver's own insurance policy will cover their medical expenses and lost wages up to a certain limit. This limit is $50,000 per person for basic no-fault coverage, also known as personal injury protection (PIP) .

However, no-fault insurance does not cover property damage or non-economic damages, such as pain and suffering. For these types of losses, you need to have liability insurance, which pays for the damages you cause to other people and their property in an accident. The minimum liability insurance requirements in New York are :

- $25,000 for bodily injury per person

- $50,000 for bodily injury per accident

- $10,000 for property damage per accident

- $50,000 for death per person

- $100,000 for death per accident

These are the minimum amounts of coverage you must have to register your car and drive legally in New York. However, they may not be enough to fully protect you from the financial consequences of a serious accident. If you are sued by another driver or a passenger for damages that exceed your liability limits, you could be responsible for paying the difference out of your own pocket. That's why many drivers choose to purchase higher limits of liability insurance or additional coverage options, such as collision and comprehensive.

Another type of coverage that is mandatory in New York is uninsured motorist (UM) coverage. This covers your medical expenses and lost wages if you are injured by a driver who has no insurance or flees the scene of the accident. The minimum UM coverage requirements in New York are :

- $25,000 for bodily injury per person

- $50,000 for bodily injury per accident

You can also purchase underinsured motorist (UIM) coverage, which covers the difference between your UM limits and the other driver's liability limits if they are insufficient to pay for your damages.

New York auto insurance laws are designed to ensure that all drivers have adequate financial protection in case of an accident. However, the cost of auto insurance can vary depending on many factors, such as your age, driving record, location, vehicle type and model, credit score and more. To find the best rates and coverage options for your needs, you should compare quotes from multiple insurance companies and agents.

You can use our online quote form at the top of this page to get started. Just enter your zip code and some basic information about yourself and your vehicle, and we will connect you with licensed insurance agents who can offer you competitive quotes and personalized advice. You can also use our insurance directory to find local agents near you.

Don't wait any longer to get the auto insurance coverage you need in New York. Start comparing quotes today and save money on your premiums!