New York Minimum Auto Insurance Requirements
$25,000 bodily injury per person, $50,000 bodily injury per accident, $10,000 property damage, $50,000 basic No-Fault/PIP, and required uninsured motorist protection.
Source: New York Department of Financial Services Minimum Auto Insurance Requirements. Always confirm final requirements with the state or a licensed insurance professional before binding coverage.
What Makes New York Quotes Different
New York requires liability, no-fault/PIP, and uninsured motorist protection. Insurance must remain active while a vehicle is registered, even if it is not being driven.
New York City, Long Island, Buffalo, Rochester, Albany, and suburban counties can produce sharply different premiums because claim frequency, theft, parking conditions, and commuting patterns vary.
Major markets to compare carefully
- New York City
- Buffalo
- Rochester
- Yonkers
- Albany
How to Compare Car Insurance Quotes in New York
Make sure every quote uses the same liability limits, PIP assumptions, uninsured motorist selections, deductibles, and garaging address before comparing prices.
- Use the same liability limits on every quote.
- Match comprehensive and collision deductibles before comparing price.
- Check whether roadside, rental reimbursement, and glass coverage are included or optional.
- Review claim service, renewal process, and cancellation rules before buying.
Coverage Decisions Worth Reviewing
- PIP is required, but higher liability limits may still be important after serious injuries.
- Urban drivers should review comprehensive coverage for theft, vandalism, and weather losses.
- Lapses can create registration and license problems, so renewal timing matters.
New York Car Insurance FAQ
What is the minimum car insurance required in New York?
New York requires liability coverage, $50,000 basic No-Fault/PIP, and uninsured motorist protection. Common minimum liability limits include $25,000 per person, $50,000 per accident, and $10,000 property damage.
Does New York require PIP?
Yes. New York requires basic No-Fault coverage, also called Personal Injury Protection, with benefits up to $50,000 per person.