- New York car insurance laws
- New York car insurance requirements
- New York car insurance cost for minimum coverage limits
- Are the minimum coverage requirements changing in 2026 in New York?
- What does minimum car insurance cover in New York?
- How much car insurance is enough in New York?
- New York penalties for driving without car insurance
- New York minimum coverage cost by age group
- New York minimum coverage cost by city
- Optional car insurance coverage in New York
- Methodology
- New York car insurance laws and requirements: FAQs
- Compare state minimum requirements with other states
New York car insurance laws
New York requires that drivers carry at least 25/50/10.
These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.
However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, New York drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.
New York car insurance requirements
New York requires the following coverage:
Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.
New York liability minimums are 25/50/10.
Personal injury protection (PIP). Personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. pays medical costs, such as doctor visits, childcare expenses, and lost wages, for you or your passengers injured in an accident. PIP may be required for drivers who live in at-fault states.
New York PIP requirements are $50,000.
Uninsured/Underinsured motorist coverage (UM/UIM). Uninsured and underinsured motorist coverageAn auto insurance coverage that pays for injuries or damage if you're in an accident with a driver who has no insurance or not enough insurance. helps pay for your medical costs and property damage if the at-fault driver has little or no car insurance. Your insurer would cover expenses up to your limits in addition to any payments from the other insurer.
New York requires uninsured motorist coverage of 25/50.
The average cost of a minimum coverage policy is $1,070. However, Progressive has the lowest minimum car insurance rates, averaging $528.
The table below shows the top insurers' average rates for minimum coverage in New York.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Progressive | $528 | $44 |
| NYCM Insurance | $542 | $45 |
| GEICO | $669 | $56 |
| Erie Insurance | $737 | $61 |
| Chubb | $1,228 | $102 |
| Allstate | $1,329 | $111 |
| State Farm | $1,366 | $114 |
| The Hanover | $1,707 | $142 |
| Travelers | $2,062 | $172 |
| USAA | $706 | $59 |
New York car insurance cost for minimum coverage limits
On average, state minimum car insurance costs $1,070. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in New York.
The cheapest company for minimum coverage in New York is Progressive at an average rate of $528 annually.
| State minimum coverage limit | 25/50/10 |
| Average annual premium | $1,070 |
| Average monthly premium | $89 |
Are the minimum coverage requirements changing in 2026 in New York?
New York car insurance requirements will not change in 2026. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.
Why do limits change?
"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."
What does minimum car insurance cover in New York?
New York requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.
New York drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.
New York is a no-fault state, meaning your insurer pays for your injuries and damages regardless of who caused the accident. The law requires you to carry personal injury protection (PIP) to pay medical costs, such as doctor visits and prescriptions.
Uninsured and underinsured motorist coverage is also required. Uninsured motorist coverage helps pay for coverage when the at-fault driver doesn't have car insurance, and underinsured coverage assists when the at-fault driver doesn't have enough car insurance to cover injury and property damage costs. Without these coverages, you would have to pay for medical and repair costs that the other driver's insurance didn't cover. You may be able to opt out of this coverage.
PEOPLE ASK:
Is New York minimum car insurance enough?
It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/10, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.
How much car insurance is enough in New York?
Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.
For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.
Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.
Consider your financial situation when determining how much car insurance you need.
New York penalties for driving without car insurance
Since New York requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.
Failing to carry New York car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.
| Fines | $1,500 |
| Other penalties | License and registration suspension |
| Jail time | Possible |
New York minimum coverage cost by age group
Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.
The table below breaks down the cost of car insurance for various age groups. NYCM Insurance has the best rates for teens with minimum coverage averaging $1,094. Progressive offers the cheapest coverage for adults at $500.
Additionally, females and males pay different rates. The average rate for a 40-year-old female is $1,100, and the average rate for a 40-year-old male is $1,040, a difference of $60.
| Company | Male annual premium | Male monthly premium |
|---|---|---|
| NYCM Insurance | $1,248 | $104 |
| Progressive | $2,118 | $176 |
| GEICO | $2,869 | $239 |
| Erie Insurance | $3,133 | $261 |
| Chubb | $3,652 | $304 |
| The Hanover | $4,462 | $372 |
| Allstate | $5,328 | $444 |
| State Farm | $5,412 | $451 |
| Travelers | $7,447 | $621 |
| USAA | $3,953 | $329 |
| Company | Female annual premium | Female monthly premium |
|---|---|---|
| NYCM Insurance | $1,364 | $114 |
| GEICO | $1,606 | $134 |
| Progressive | $1,974 | $165 |
| Erie Insurance | $1,980 | $165 |
| Chubb | $3,422 | $285 |
| State Farm | $4,072 | $339 |
| The Hanover | $4,275 | $356 |
| Allstate | $6,103 | $509 |
| Travelers | $6,847 | $571 |
| USAA | $3,536 | $295 |
New York minimum coverage cost by city
Albany drivers pay the least for minimum coverage in New York at $851. On the other hand, drivers in New York pay the most at $2,080.
Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.
The table below shows average minimum coverage rates for cities in New York.
| City | Average annual premium | Average monthly premium |
|---|---|---|
| Albany | $851 | $71 |
| Buffalo | $1,236 | $103 |
| Mount Vernon | $1,751 | $146 |
| New Rochelle | $1,441 | $120 |
| New York | $2,080 | $173 |
| Rochester | $866 | $72 |
| Schenectady | $867 | $72 |
| Syracuse | $892 | $74 |
| Utica | $888 | $74 |
| Yonkers | $1,598 | $133 |
Optional car insurance coverage in New York
New York requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.
Drivers may choose optional coverages such as:
- Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
- Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
- Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
- Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
- Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.
Methodology
Insurance.com partners with Quadrant Information Services to field average car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on state minimum coverage and on the following parameters:
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
State laws were gathered from state DMV and insurance department websites.
Learn more about our data and methodology.
New York car insurance laws and requirements: FAQs
Is it mandatory to have car insurance in New York?
Yes, New York requires that you carry at least the minimum mandatory coverage. Necessary coverage includes UIMBI, UMBI and PIP $50,000.
Will my bare minimum car insurance cover me in another state?
Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.
What happens if I drive without car insurance in New York?
If you're caught driving without car insurance in New York, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.
Compare state minimum requirements with other states
You might also be interested in- Tesla insurance in New York for 2025
- New York landlord insurance for 2025: What you need to know
- New York DWI and insurance: How much does a DWI raise your insurance?
- Speeding ticket calculator in New York
- Non-owner car insurance in New York: Best and cheapest companies
- Low-income car insurance in New York
- New York car insurance guide
- New York car insurance coverage calculator
- Cheapest car insurance for high-risk drivers in New York
- Cheapest home and auto insurance bundle in New York
