What are New York’s auto insurance requirements?

Car insurance is required for all New York drivers. If you're a New Yorker, you're required to carry liability coverage limits of at least:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $10,000 in property damage per accident

You can raise your coverage limits beyond New York's requirements to cover your total net worth, ensuring your assets are protected. Learn more about auto liability coverage.

The Empire State also mandates personal injury protection (PIP), uninsured motorist (UM) coverage, and requires your insurer to offer supplementary uninsured/underinsured motorists coverage (SUM), with the following minimum limits:

  • PIP: $50,000
  • UM: $25,000 per person, $50,000 per accident
  • SUM: You have the option to purchase SUM at limits up to the bodily injury limits you carry, or reject this coverage with a signed waiver

Personal injury protection, or PIP, covers your medical costs, plus lost wages and death benefits, and can pay out even if you're at fault. Uninsured motorist coverage covers medical expenses for you and your passengers if you're hit by a driver with no insurance if the accident occurs in the state of New York. SUM provides additional coverage and applies to accidents that occur in and out of the state of New York.

With Progressive's Name Your Price® Tool, you tell us how much you want to pay—then we'll show you coverage options that fit your desired price. See more on our Name Your Price tool.

Think about adding comprehensive and collision coverage

Comprehensive coverage and collision coverage can help pay to repair or replace your vehicle if damaged in an accident with another object or from events out of your control. Most lenders will require both coverages if you lease or finance your vehicle.

Add medical payments to cover hospital bills

Medical payments can cover injuries to you and your passengers from a covered accident, up to the limits of your policy. Learn more about medical payments coverage.

How much is car insurance in New York?

New York had the fifth-highest average expenditure for auto insurance in the nation in 2018, according to the Insurance Information Institute. Your rate will vary based on several factors, including your location, driving history, and coverage selection.

What discounts are available for New York auto insurance?

A multitude of discounts could apply to your Progressive auto policy, including:

  • Daytime running lights
  • Multi-policy
  • Continuous insurance
  • Paid in full
  • Multi-car
  • Five-year accident-free
  • Teen driver
  • Good student

See all car insurance discounts.

Interesting facts about New York auto insurance

  1. In certain circumstances, New York requires a free inspection of your vehicle to protect you and your insurer.

  2. An estimated 13.8% of New York drivers were uninsured as of 2019. Uninsured motorist coverage can protect you if the at-fault driver has no auto insurance or not enough coverage.

  3. There are 60,000-70,000 deer-vehicle collisions in New York State annually. Make sure you carry comprehensive coverage to protect against collisions with animals.

How to get car insurance in New York

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