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New York car insurance
What are New York's minimum auto insurance requirements?
Drivers in New York are required to have auto liability coverage (BI liability and PD liability), personal injury protection (PIP), and uninsured/underinsured (UM/UIM) bodily injury coverage with the following limits:
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Bodily injury liability coverage (BI) |
What it covers
Injuries you cause to others in a car accident. |
Minimum amount
$25,000 per person |
|
Property damage liability coverage (PD) |
What it covers
Other people's property you damage in a car accident. |
Minimum amount
$10,000 per accident |
|
Personal injury protection (PIP) |
What it covers
Your medical costs, plus lost wages and death benefits. |
Minimum amount
$50,000 |
|
Uninsured motorist coverage (UM) |
What it covers
Medical expenses for you and your passengers if someone without insurance hits you in the state of New York. |
Minimum amount
$25,000 per person |
New York also requires insurers to offer supplementary uninsured/underinsured motorist coverage (SUM), although you may reject or lower these coverages via a signed form if you don't want them.
Coverage
|
Coverage |
What it covers |
Minimum amount |
|---|---|---|
|
Supplementary uninsured/underinsured motorist coverage (SUM) |
What it covers
Additional coverage for injuries caused by a driver with too little or no insurance. Applies both in and out of state. |
Minimum amount
You have the option to purchase SUM at limits up to the bodily injury limits you carry, or you can reject this coverage with a signed waiver. |
While these are New York's minimum required car insurance limits, higher coverage amounts may better protect your family's financial well-being. Learn how much car insurance you may need based on your circumstances and preferences.
Is New York a no-fault state?
Yes. New York has been a no-fault state since 1974, according to the Insurance Information Institute. As a no-fault state, New York requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault. No-fault car insurance also restricts the right to sue only to lawsuits that involve severe injuries.
How much is car insurance in New York?
New York had the second-highest average expenditure for auto insurance in the nation in 2020, according to the Insurance Information Institute. Your rate will vary based on several factors, including your location, driving history, and coverage selection.
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What is the best car insurance in New York?
Looking for the cheapest car insurance in New York? Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:
- Allstate customers who switch and save with Progressive save $920 on average††
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How do I lower my car insurance cost in New York?
To lower your car insurance cost in New York, you may qualify for the following discounts through Progressive:
- Multi-policy
- Teen driver
- Good student discounts
- Quote and sign online
See all our auto insurance discounts.
Pro tip:
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Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to New York's state-required coverages. Comprehensive and collision pay to repair or replace your car, regardless of fault, if it's in an accident, stolen, or otherwise damaged as the result of a covered accident. It also makes sense to add these physical damage coverages if you're not sure you could afford a new car or major repairs after a crash.
Explore all our car insurance coverages, and our car insurance calculator to find which ones are recommended for you.
New York driving resources
From Long Island to Buffalo, get to know New York's driving laws and resources. These resources apply to Brookhaven, Hempstead, Islip, Oyster Bay, and everywhere in between. Local municipalities may have additional laws and resources.
- New York Department of Motor Vehicles: Find out how to get or renew your New York license and registration.
- New York City Department of Transportation traffic safety resources: Tips for being a safe and attentive driver, traffic advisories, and highway and traffic rules.
- New York driving FAQs: Get answers to questions about obtaining a new driver's license, non-driver ID, a learners permit or other DMV-related issues.
- Car insurance resource center: Learn more about how car insurance works, from terms and definitions to savings tips.
How to get car insurance in New York
-
Go online
Customize your policy's coverages, limits, and deductibles.
-
Call us
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Ask an agent
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