New York car insurance laws and requirements: What is changing in 2025

Q: 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.

Q: 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.

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 $731. However, NYCM Insurance has the lowest minimum car insurance rates, averaging $420.

The table below shows the top insurers' average rates for minimum coverage in New York.

Company	Average annual premium	Average monthly premium
NYCM Insurance	$420	$35
Progressive	$428	$36
Geico	$555	$46
Erie Insurance	$575	$48
Allstate	$861	$72
Chubb	$872	$73
State Farm	$885	$74
The Hanover	$1,016	$85
Travelers	$1,362	$114
USAA	$594	$50

Read our methodology

New York car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $731. 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 NYCM Insurance at an average rate of $420 annually.

State minimum coverage limit	25/50/10
Average annual premium	$731
Average monthly premium	$61

Read our methodology

Are the New York minimum coverage requirements changing in 2025?

New York car insurance requirements will not change in 2025. 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

Read our methodology

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 $834. Progressive offers the cheapest coverage for adults at $415.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $743, and the average rate for a 40-year-old male is $720, a difference of $23.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	NYCM Insurance	$970	$81
16	Progressive	$1,647	$137
16	Geico	$2,400	$200
16	Erie Insurance	$2,798	$233
16	The Hanover	$2,995	$250
16	Allstate	$3,196	$266
16	Chubb	$3,312	$276
16	State Farm	$3,633	$303
16	Travelers	$3,981	$332
17	NYCM Insurance	$889	$74
17	Progressive	$1,631	$136
17	Geico	$2,178	$182
17	Erie Insurance	$2,548	$212
17	The Hanover	$2,598	$217
17	Allstate	$2,789	$232
17	State Farm	$3,135	$261
17	Chubb	$3,143	$262
17	Travelers	$3,339	$278
18	NYCM Insurance	$798	$67
18	Progressive	$1,308	$109
18	Geico	$1,900	$158
18	Allstate	$2,073	$173
18	Erie Insurance	$2,217	$185
18	The Hanover	$2,352	$196
18	Chubb	$2,561	$213
18	Travelers	$2,881	$240
18	State Farm	$2,926	$244
19	NYCM Insurance	$645	$54
19	Progressive	$1,066	$89
19	Geico	$1,347	$112
19	Allstate	$1,497	$125
19	Erie Insurance	$1,659	$138
19	The Hanover	$1,874	$156
19	Chubb	$2,049	$171
19	State Farm	$2,090	$174
19	Travelers	$2,213	$184
20	NYCM Insurance	$616	$51
20	Progressive	$881	$73
20	Geico	$1,102	$92
20	Allstate	$1,342	$112
20	Erie Insurance	$1,539	$128
20	The Hanover	$1,690	$141
20	Chubb	$1,842	$154
20	State Farm	$1,962	$164
20	Travelers	$2,003	$167
21	NYCM Insurance	$584	$49
21	Progressive	$660	$55
21	Geico	$873	$73
21	Allstate	$1,099	$92
21	Erie Insurance	$1,183	$99
21	State Farm	$1,530	$128
21	The Hanover	$1,531	$128
21	Chubb	$1,639	$137
21	Travelers	$1,803	$150
22	NYCM Insurance	$560	$47
22	Progressive	$602	$50
22	Geico	$823	$69
22	Allstate	$1,008	$84
22	Erie Insurance	$1,040	$87
22	The Hanover	$1,408	$117
22	State Farm	$1,444	$120
22	Chubb	$1,487	$124
22	Travelers	$1,708	$142
23	NYCM Insurance	$491	$41
23	Progressive	$543	$45
23	Geico	$755	$63
23	Erie Insurance	$932	$78
23	Allstate	$937	$78
23	Chubb	$1,335	$111
23	The Hanover	$1,340	$112
23	State Farm	$1,356	$113
23	Travelers	$1,609	$134
24	NYCM Insurance	$473	$39
24	Progressive	$503	$42
24	Geico	$742	$62
24	Erie Insurance	$862	$72
24	Allstate	$876	$73
24	State Farm	$1,264	$105
24	The Hanover	$1,274	$106
24	Chubb	$1,279	$107
24	Travelers	$1,554	$130
25	Progressive	$450	$38
25	NYCM Insurance	$464	$39
25	Geico	$619	$52
25	Erie Insurance	$713	$59
25	Allstate	$841	$70
25	State Farm	$1,002	$84
25	Chubb	$1,145	$95
25	The Hanover	$1,170	$98
25	Travelers	$1,422	$119
30	NYCM Insurance	$403	$34
30	Progressive	$428	$36
30	Geico	$570	$48
30	Erie Insurance	$610	$51
30	Allstate	$858	$72
30	State Farm	$923	$77
30	Chubb	$930	$78
30	The Hanover	$1,067	$89
30	Travelers	$1,345	$112
35	NYCM Insurance	$396	$33
35	Progressive	$417	$35
35	Geico	$554	$46
35	Erie Insurance	$575	$48
35	Allstate	$853	$71
35	Chubb	$876	$73
35	State Farm	$897	$75
35	The Hanover	$1,003	$84
35	Travelers	$1,334	$111
40	NYCM Insurance	$407	$34
40	Progressive	$412	$34
40	Geico	$554	$46
40	Erie Insurance	$564	$47
40	Allstate	$845	$70
40	Chubb	$872	$73
40	State Farm	$884	$74
40	The Hanover	$989	$82
40	Travelers	$1,321	$110
45	Progressive	$405	$34
45	NYCM Insurance	$434	$36
45	Erie Insurance	$547	$46
45	Geico	$554	$46
45	Allstate	$844	$70
45	Chubb	$870	$73
45	State Farm	$877	$73
45	The Hanover	$998	$83
45	Travelers	$1,323	$110
50	Progressive	$389	$32
50	NYCM Insurance	$441	$37
50	Erie Insurance	$529	$44
50	Geico	$556	$46
50	Allstate	$842	$70
50	State Farm	$854	$71
50	Chubb	$868	$72
50	The Hanover	$1,016	$85
50	Travelers	$1,294	$108
55	Progressive	$377	$31
55	NYCM Insurance	$415	$35
55	Erie Insurance	$519	$43
55	Geico	$556	$46
55	Allstate	$813	$68
55	Chubb	$814	$68
55	State Farm	$819	$68
55	The Hanover	$1,041	$87
55	Travelers	$1,280	$107
60	Progressive	$383	$32
60	NYCM Insurance	$409	$34
60	Erie Insurance	$519	$43
60	Geico	$551	$46
60	Chubb	$788	$66
60	State Farm	$799	$67
60	Allstate	$811	$68
60	The Hanover	$1,061	$88
60	Travelers	$1,277	$106
65	Progressive	$423	$35
65	NYCM Insurance	$438	$37
65	Erie Insurance	$541	$45
65	Geico	$563	$47
65	Chubb	$763	$64
65	State Farm	$799	$67
65	Allstate	$838	$70
65	The Hanover	$1,088	$91
65	Travelers	$1,301	$108
70	Progressive	$480	$40
70	NYCM Insurance	$491	$41
70	Erie Insurance	$593	$49
70	Geico	$624	$52
70	State Farm	$847	$71
70	Chubb	$851	$71
70	Allstate	$867	$72
70	The Hanover	$1,171	$98
70	Travelers	$1,380	$115
75	Progressive	$551	$46
75	NYCM Insurance	$553	$46
75	Erie Insurance	$679	$57
75	Geico	$699	$58
75	Chubb	$950	$79
75	State Farm	$958	$80
75	Allstate	$983	$82
75	The Hanover	$1,293	$108
75	Travelers	$1,491	$124
16	USAA	$2,993	$249
17	USAA	$2,579	$215
18	USAA	$2,247	$187
19	USAA	$1,186	$99
20	USAA	$1,111	$93
21	USAA	$854	$71
22	USAA	$793	$66
23	USAA	$762	$64
24	USAA	$731	$61
25	USAA	$675	$56
30	USAA	$627	$52
35	USAA	$613	$51
40	USAA	$594	$50
45	USAA	$580	$48
50	USAA	$566	$47
55	USAA	$561	$47
60	USAA	$561	$47
65	USAA	$599	$50
70	USAA	$694	$58
75	USAA	$799	$67

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	NYCM Insurance	$986	$82
16	Progressive	$1,495	$125
16	Geico	$1,388	$116
16	Erie Insurance	$1,919	$160
16	The Hanover	$2,730	$228
16	Allstate	$3,443	$287
16	Chubb	$3,148	$262
16	State Farm	$2,944	$245
16	Travelers	$3,657	$305
17	NYCM Insurance	$904	$75
17	Progressive	$1,481	$123
17	Geico	$1,320	$110
17	Erie Insurance	$1,776	$148
17	The Hanover	$2,484	$207
17	Allstate	$2,672	$223
17	State Farm	$2,636	$220
17	Chubb	$3,040	$253
17	Travelers	$3,105	$259
18	NYCM Insurance	$817	$68
18	Progressive	$1,238	$103
18	Geico	$1,183	$99
18	Allstate	$2,024	$169
18	Erie Insurance	$1,631	$136
18	The Hanover	$2,233	$186
18	Chubb	$2,346	$196
18	Travelers	$2,734	$228
18	State Farm	$2,358	$197
19	NYCM Insurance	$664	$55
19	Progressive	$1,049	$87
19	Geico	$895	$75
19	Allstate	$1,540	$128
19	Erie Insurance	$1,211	$101
19	The Hanover	$1,854	$155
19	Chubb	$1,890	$158
19	State Farm	$1,817	$151
19	Travelers	$2,146	$179
20	NYCM Insurance	$637	$53
20	Progressive	$825	$69
20	Geico	$865	$72
20	Allstate	$1,306	$109
20	Erie Insurance	$1,163	$97
20	The Hanover	$1,702	$142
20	Chubb	$1,695	$141
20	State Farm	$1,638	$137
20	Travelers	$1,970	$164
21	NYCM Insurance	$598	$50
21	Progressive	$613	$51
21	Geico	$666	$56
21	Allstate	$1,085	$90
21	Erie Insurance	$1,020	$85
21	State Farm	$1,407	$117
21	The Hanover	$1,553	$129
21	Chubb	$1,501	$125
21	Travelers	$1,794	$150
22	NYCM Insurance	$569	$47
22	Progressive	$583	$49
22	Geico	$666	$56
22	Allstate	$1,079	$90
22	Erie Insurance	$923	$77
22	The Hanover	$1,448	$121
22	State Farm	$1,301	$108
22	Chubb	$1,442	$120
22	Travelers	$1,719	$143
23	NYCM Insurance	$499	$42
23	Progressive	$528	$44
23	Geico	$665	$55
23	Erie Insurance	$918	$77
23	Allstate	$992	$83
23	Chubb	$1,320	$110
23	The Hanover	$1,373	$114
23	State Farm	$1,195	$100
23	Travelers	$1,625	$135
24	NYCM Insurance	$483	$40
24	Progressive	$486	$41
24	Geico	$657	$55
24	Erie Insurance	$826	$69
24	Allstate	$917	$76
24	State Farm	$1,153	$96
24	The Hanover	$1,315	$110
24	Chubb	$1,186	$99
24	Travelers	$1,586	$132
25	Progressive	$448	$37
25	NYCM Insurance	$475	$40
25	Geico	$596	$50
25	Erie Insurance	$742	$62
25	Allstate	$895	$75
25	State Farm	$1,007	$84
25	Chubb	$1,097	$91
25	The Hanover	$1,232	$103
25	Travelers	$1,462	$122
30	NYCM Insurance	$409	$34
30	Progressive	$453	$38
30	Geico	$579	$48
30	Erie Insurance	$662	$55
30	Allstate	$932	$78
30	State Farm	$921	$77
30	Chubb	$930	$78
30	The Hanover	$1,101	$92
30	Travelers	$1,401	$117
35	NYCM Insurance	$410	$34
35	Progressive	$460	$38
35	Geico	$579	$48
35	Erie Insurance	$610	$51
35	Allstate	$903	$75
35	Chubb	$876	$73
35	State Farm	$893	$74
35	The Hanover	$1,048	$87
35	Travelers	$1,401	$117
40	NYCM Insurance	$433	$36
40	Progressive	$444	$37
40	Geico	$555	$46
40	Erie Insurance	$587	$49
40	Allstate	$878	$73
40	Chubb	$872	$73
40	State Farm	$887	$74
40	The Hanover	$1,043	$87
40	Travelers	$1,404	$117
45	Progressive	$437	$36
45	NYCM Insurance	$458	$38
45	Erie Insurance	$558	$47
45	Geico	$555	$46
45	Allstate	$873	$73
45	Chubb	$870	$73
45	State Farm	$880	$73
45	The Hanover	$1,040	$87
45	Travelers	$1,384	$115
50	Progressive	$390	$33
50	NYCM Insurance	$443	$37
50	Erie Insurance	$569	$47
50	Geico	$556	$46
50	Allstate	$860	$72
50	State Farm	$854	$71
50	Chubb	$868	$72
50	The Hanover	$1,013	$84
50	Travelers	$1,342	$112
55	Progressive	$375	$31
55	NYCM Insurance	$423	$35
55	Erie Insurance	$533	$44
55	Geico	$556	$46
55	Allstate	$836	$70
55	Chubb	$814	$68
55	State Farm	$821	$68
55	The Hanover	$995	$83
55	Travelers	$1,310	$109
60	Progressive	$377	$31
60	NYCM Insurance	$421	$35
60	Erie Insurance	$526	$44
60	Geico	$551	$46
60	Chubb	$788	$66
60	State Farm	$802	$67
60	Allstate	$833	$69
60	The Hanover	$1,010	$84
60	Travelers	$1,306	$109
65	Progressive	$401	$33
65	NYCM Insurance	$439	$37
65	Erie Insurance	$545	$45
65	Geico	$563	$47
65	Chubb	$763	$64
65	State Farm	$800	$67
65	Allstate	$850	$71
65	The Hanover	$1,027	$86
65	Travelers	$1,336	$111
70	Progressive	$442	$37
70	NYCM Insurance	$471	$39
70	Erie Insurance	$547	$46
70	Geico	$627	$52
70	State Farm	$849	$71
70	Chubb	$865	$72
70	Allstate	$889	$74
70	The Hanover	$1,113	$93
70	Travelers	$1,414	$118
75	Progressive	$449	$37
75	NYCM Insurance	$519	$43
75	Erie Insurance	$644	$54
75	Geico	$699	$58
75	Chubb	$947	$79
75	State Farm	$958	$80
75	Allstate	$997	$83
75	The Hanover	$1,242	$104
75	Travelers	$1,512	$126
16	USAA	$3,346	$279
17	USAA	$2,915	$243
18	USAA	$2,574	$215
19	USAA	$1,413	$118
20	USAA	$1,299	$108
21	USAA	$976	$81
22	USAA	$915	$76
23	USAA	$854	$71
24	USAA	$823	$69
25	USAA	$737	$61
30	USAA	$627	$52
35	USAA	$613	$51
40	USAA	$594	$50
45	USAA	$580	$48
50	USAA	$566	$47
55	USAA	$561	$47
60	USAA	$561	$47
65	USAA	$608	$51
70	USAA	$728	$61
75	USAA	$861	$72

Read our methodology

New York minimum coverage cost by city

Rochester drivers pay the least for minimum coverage in New York at $715. However, New York pay the most at $1,115.

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
Rochester	$715	$60
Albany	$717	$60
Schenectady	$719	$60
Syracuse	$738	$61
Utica	$741	$62
New Rochelle	$765	$64
Yonkers	$991	$83
Buffalo	$998	$83
Mount Vernon	$1,076	$90
New York	$1,115	$93

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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 commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

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.