New York Car Insurance Requirements
Numbers refreshed
The least coverage any New York driver has to carry, plus what it pays for.
- Liability costs $104 on average each month.
- The minimum liability limits are 25/50/10.
- 3rd of 51.Most costly state (1st = highest).
What the state of New York requires
| Cover | Minimum |
|---|---|
| Bodily injury, per person | $25,000 |
| Bodily injury, per crash | $50,000 |
| Property damage, per crash | $10,000 |
| Personal injury protection | Required, $50,000 |
| Uninsured motorist | Required |
| Underinsured motorist | Not required |
| Fault system | No-fault |
Source: New York DFS, How much auto insurance must I carry; Automobile Financial Responsibility Limits by State, rev. 7/2024 (Insurance Information Institute table archive 21211, APCIA data; PDF copy hosted by riskeducation.org).
What the numbers cover
In New York, liability coverage must be at least 25/50/10. Each person hurt has a $25,000 limit. Everyone hurt in one crash has a $50,000 limit. Damage to other people's property has a $10,000 limit.
These limits often don't cover the full cost of medical bills or a newer car. Any amount above those limits may be claimed from you, which is why many drivers buy 100/300/100. The average annual cost for a liability policy in New York is $1,243.
Driving with no insurance
If you drive uninsured in New York, you may lose your license and registration. Getting them back may mean submitting proof of insurance over several years.
Contact the New York State Department of Motor Vehicles (DMV) with any questions.
Further details on New York car insurance
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