New York car insurance

New York City skyline overlooking Brooklyn Bridge

Common questions about New York
auto insurance

Need car insurance in New York? Whether you live in New York City, Buffalo, or Rochester, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your New York auto insurance, so you only pay for what you need.

What car insurance is required in New York?

Here in New York, it's illegal to drive without insurance. Drivers in New York are required to have the following car insurance coverage: bodily injury, property damage, and accidental death.

This chart shows the minimum auto insurance drivers are required to have in New York.²

Coverage	Amount
Bodily Injury Coverage	$25,000 per person and $50,000 per accident
Property Damage Coverage	$10,000 per accident
Accidental Death	$50,000 per person and $100,000 per accident

For more information, check out the New York State Department of Motor Vehicles.

What's the average cost of car insurance in New York?

The average cost of car insurance in New York was $2,526³ in 2024 according to thezebra.com. That's 16% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on New York auto insurance with a customized policy, so you only pay for what you need.

See how much you could save on car insurance

U.S. Map with New York state highlighted

Who has the cheapest car insurance in New York?

Getting the cheapest car insurance in New York may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴