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 under a no-fault insurance system, meaning your own insurer pays for medical expenses and lost wages regardless of who caused the accident. The state requires all drivers to carry proof of insurance and mandates both liability coverage and Personal Injury Protection (PIP). Policies must meet New York Department of Financial Services standards, and failure to maintain continuous coverage triggers automatic license suspension through the state's Insurance Information and Enforcement System.
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
Compare Before You Renew
Compare Auto Insurance RatesCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. New York requires 25/50/10 minimums, but most agents recommend 100/300/100 or higher to protect personal assets in lawsuits that exceed the no-fault threshold.
Full Coverage
Combines comprehensive and collision coverage with liability protection to cover damage to your own vehicle from accidents, theft, weather, and other perils. Lenders require this for financed vehicles.
Comprehensive Coverage
Pays for non-collision damage to your vehicle including theft, vandalism, fire, hail, flooding, and animal strikes. Covers glass damage, which is common from road debris on New York highways.
Collision Coverage
Covers damage to your vehicle from accidents with other vehicles or objects, regardless of fault. Pays up to your car's actual cash value minus your deductible.
Uninsured/Underinsured Motorist Coverage
Protects you when hit by a driver with insufficient or no insurance, including hit-and-run accidents. New York automatically includes this at your liability limits unless you decline in writing.
Personal Injury Protection (PIP)
Mandatory no-fault coverage providing $50,000 for medical expenses, lost wages, and other accident-related costs regardless of fault. Includes death benefit of $75,000 and pays before health insurance.