New York Car Insurance Laws 2025 (Required Coverage in NY)
New York car insurance laws require a minimum liability of 25/50/10 for bodily injury and property damage. Failure to meet New York car insurance requirements could result in suspending your license plates and vehicle registration. Monthly car insurance rates in New York start at only $40.
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
UPDATED: Apr 30, 2025
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Apr 30, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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New York car insurance laws require all drivers to carry at least 25/50/10 of liability coverage. This means bodily injury liability coverage of $25,000 per person/$50,000 per accident and property damage liability coverage of $10,000 per accident.
New York Car Insurance Minimum Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $10,000 per accident |
But since these are only the New York minimum requirements, drivers may not have sufficient coverage in the event of a serious accident. New York car insurance providers offer additional coverage options to better protect drivers.
Use this New York car insurance guide to compare rates and find the most affordable coverage for your needs, and discover the best car insurance for a new driver.
- New York car law requires 25/50/10 in auto insurance coverage
- NY car insurance rates start at $40 monthly
- Your license could be suspended for not meeting New York car requirements
Keep reading to learn how we can help you stay insured and avoid penalties or suspension of your registration. Enter your ZIP code to compare New York car insurance rates that meet the minimum requirements.
New York Auto Insurance Requirements & What They Cover
New York law requires drivers to carry minimum auto insurance of 25/50/10 for liability. $25,000 per person, $50,000 per accident, and $10,000 for property damage. It also mandates $50,000 in no-fault (PIP) coverage to pay for medical expenses and lost wages, no matter who caused the accident.
PIP covers medical bills and lost wages after an accident, regardless of who is at fault. New York requires $50,000, but many drivers choose higher limits. The New York PIP statute mandates this coverage to ensure drivers are financially protected after an accident.
New York car insurance quotes vary significantly based on factors like age, driving history, and location
Read more: Best Personal Injury Protection (PIP) Companies
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Cheapest Car Insurance in New York
New York drivers can find affordable car insurance starting at $40 per month. Rates depend on factors like age, driving history, and vehicle type, so comparing quotes is key to finding the best deal.
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13,283 reviewsThis section highlights Geico as the cheapest provider, followed by USAA and Progressive. These monthly premiums can be affected by factors, including your city.
New York Min. Coverage Car Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Albany | $123 |
| Binghamton | $112 |
| Buffalo | $125 |
| Hempstead | $139 |
| Kingston | $126 |
| Mount Vernon | $140 |
| New York City | $150 |
| Niagara Falls | $111 |
| Poughkeepsie | $120 |
| Rochester | $117 |
| Saratoga Springs | $127 |
| Schenectady | $115 |
| Syracuse | $121 |
| White Plains | $143 |
| Yonkers | $145 |
For instance, Niagara Falls has the lowest average rate at $111 per month, while New York City drivers pay the highest at $150. These rates also fluctuate by age and gender; 17-year-old males pay the highest premiums, while 60-year-old females tend to receive the lowest rates.
Car Insurance Monthly Rates in New York by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $200 | $201 | $185 | $187 | $157 | $159 | $111 | $112 |
 | $184 | $217 | $154 | $155 | $131 | $132 | $92 | $93 |
 | $259 | $270 | $180 | $192 | $153 | $163 | $107 | $115 |
 | $116 | $133 | $97 | $111 | $94 | $94 | $58 | $94 |
 | $259 | $296 | $227 | $227 | $192 | $200 | $136 | $136 |
 | $212 | $299 | $189 | $189 | $161 | $161 | $113 | $113 |
 | $210 | $206 | $175 | $172 | $149 | $105 | $103 | $105 |
 | $197 | $209 | $148 | $148 | $126 | $126 | $89 | $89 |
 | $241 | $247 | $201 | $213 | $171 | $181 | $121 | $128 |
 | $147 | $162 | $98 | $98 | $84 | $84 | $59 | $60 |
Car insurance rates in New York vary by ZIP code. Urban areas with more traffic and accidents usually have higher premiums, while rural areas tend to have lower costs. When you compare car insurance, these regional differences play a significant role in determining rates.
Car Insurance Monthly Rates in New York by ZIP Code
| ZIP | Rates |
|---|---|
| 10001 | $220 |
| 10451 | $210 |
| 11001 | $230 |
| 11201 | $240 |
| 11354 | $225 |
| 11722 | $250 |
| 12203 | $260 |
| 14502 | $215 |
| 14202 | $205 |
| 13601 | $235 |
You must have a valid driving license and insurance to comply with state laws. In New York, holding a driving license means you must be covered by car insurance to legally drive on public roads.
New York car insurance companies like Geico, known for affordable premiums, USAA with competitive rates for military families, and Progressive, offering customizable policies and discounts for safe drivers.
Compare quotes, use discounts, and bundle policies to find cheap car insurance in New York.Scott W. Johnson Scott W. Johnson
New York requires minimum coverage of $25,000/$50,000 for bodily injury and $10,000 for property damage. Enter your ZIP code to compare providers and find the best rates.
Penalties for Driving Without Insurance in NY
In New York, driving without insurance can result in fines ranging from $150 to $1,500, suspension of your license and registration for up to a year, and potential vehicle impoundment.
New York car insurance rates vary based on several factors, including the city you live in, your driving history, age, and the type of vehicle you drive. The New York car insurance cost can vary widely based on these factors.
Read more: Cheap Car Insurance
Additional Coverage Options in New York
New York drivers can choose optional coverage, such as collision, which pays for vehicle damage in accidents, and comprehensive, which covers theft, vandalism, and natural disasters. These options provide extra protection beyond the state’s minimum insurance requirements.
Collision and comprehensive coverage (or full coverage car insurance) offer added protection. Collision coverage covers damage from accidents, while comprehensive coverage covers non-collision events, such as theft or weather damage.
Drivers in New York are required to ensure they meet state coverage requirements when driving on the road.
To get cheapest car insurance in New York, meet the state’s minimum coverage and maintain a clean driving record. These steps help you stay legal and save money. Enter your ZIP code to explore car insurance coverage options in New York.
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Frequently Asked Questions
What is the average cost of auto insurance in New York?
New York car insurance requirements, drivers must have at least $25,000 for bodily injury per person, $50,000 per accident, and $10,000 for property damage.
When must you carry proof of auto insurance in New York?
In New York, you must carry proof of auto insurance whenever you operate your vehicle on public roads. To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool.
Is New York a no-fault car insurance state?
Yes, New York is a “no-fault” state, requiring personal injury protection (PIP) to cover medical expenses, lost wages, and other costs, regardless of fault.
Read more: Best Personal Injury Protection (PIP)
Is it illegal not to have car insurance in New York?
Yes, it’s illegal to drive without car insurance in New York. All registered vehicles must have active liability coverage from a licensed insurer, and driving without it can lead to serious penalties.
What is the new law in NY about car insurance?
The core New York car insurance laws remain the same, but the emphasis and enforcement of certain requirements have been clarified or tightened. Avoid expensive auto insurance premiums by entering your ZIP code and comparing rates from multiple insurers.
What are the penalties for not having minimum car insurance in New York?
Failure to maintain New York’s minimum liability of 25/50/10 can result in fines between $150 and $1,500, suspension of your license plates and vehicle registration, and potential vehicle impoundment.
Read more: Full Coverage Car Insurance
Do you need insurance to register a car in NY?
Yes, in New York State, you must have valid automobile liability insurance before you can register a vehicle. The New York car insurance grace period lets drivers maintain coverage during registration, but failure to provide proof may result in fines and penalties.
How to file a no-fault insurance claim in New York?
To file a No-Fault claim in NY, submit a claim within 30 days, complete Form NF-2, and submit medical bills for reimbursement. Start comparing full coverage auto insurance rates by entering your ZIP code.
Does your car insurance and registration have to be under the same name in NY?
Yes, in New York State, the names on your car insurance policy and vehicle registration must match exactly.
Read more: Cheap Car Insurance: An Expert Guide
Can someone drive my car if they are not on my insurance in NY?
Yes, in New York, someone not listed on your car insurance policy can legally drive your car—provided they have your permission. New York State car insurance covers this situation.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Schimri Yoyo
Licensed Agent & Financial Advisor
Schimri Yoyo is a financial advisor with active life and health insurance licenses in seven states and over 20 years of experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity. Schimri is an educator eager to assist individuals and families in ...
Licensed Agent & Financial Advisor
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.