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Minimum State Insurance Requirements » New York

25 / 50 / 10

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $10,000



New York Car Insurance Information

New York is a diverse state with a wide range of rates for car insurance. You need the best New York car insurance information to make sure you pay as little as possible for the coverage you need.

New York Car Insurance Information

New York is the Empire State. It has a wide range of terrain, culture and population. From New York City in the south east, to the mountains and great lakes to the north, New York has a wide range of roads, traffic and insurance premiums. After all, driving a car in New York City costs a lot more than it does in the rural areas upstate.

New York City is a cultural and economic center, as well as the largest city in the country. The disparity between driving in the city and in the rural areas of the state means New York has some unusual motoring laws to make sure the laws are relevant and fair for all of the state’s 20 million residents.

Car Insurance Minimum Requirements

The minimum insurance requirements for drivers in New York are 25/50/10. This means drivers have to carry a minimum of $25,000 of liability coverage for each injury, $50,000 of liability coverage for injuries in one accident, and $10,000 worth of coverage for any property damage caused by the accident.

These limits are similar to other rates around the country – not surprising when you consider the diversity of New York’s drivers. New York is a no-fault state, although lawsuits can still be brought if a driver committed a crime during the accident, such as a DUI, or injured someone so badly their policy limits were exhausted.

Car Insurance Companies

With some of the unusual insurance laws and the differences between New York City and New York State, it’s worthwhile finding a local agency to help you with your insurance. They can navigate the maze of insurance laws and help you find a reasonable quote wherever you live. There are numerous local agencies throughout the state who can help you, although the large national chains also offer insurance in New York.

Free Car Insurance Quotes

You can get help with your quotes through this site by looking through local agencies to find the cheapest price on auto insurance. All companies price your driving record, choice of vehicle and zip code differently, so it’s important to get a quote. Your rates could be very different from the state average. Get an online quote now to get the best New York car insurance information and find out what you should be paying for car insurance in your zip code.

Car Insurance Rates

Car insurance rates in New York reflect the diverse nature of the state. The average driver pays out about $1,252 in insurance coverage, making them the 23rd most expensive state in the nation. New York also has a relatively low rate of uninsured drivers, with only 5% of close to the 20 million people who live there driving uninsured. The rates are close to the national average because they reflect lower rates for drivers in upstate New York and higher rates for drivers in New York City and its suburbs.