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- New York Car Insurance
New York car insurance

Car insurance in New York
From Manhattan's busy streets to the winding roads of the Catskills, the Adirondack Mountains, and the open farmland upstate, New York drivers have diverse car insurance needs that are shaped by their surroundings.
No matter where you live or roam, Liberty Mutual Insurance is helping New York motorists figure out the best car insurance for their budget.
Minimum auto insurance requirements in New York
Driving in New York without car insurance not only puts individuals at financial risk but also carries serious legal consequences.
To protect everyone on the roadways, New York requires all drivers to carry bodily injury, property damage, and accidental death insurance. In addition, drivers are also required to carry a minimum amount of these three coverages. Here's a breakdown of the limits 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 |
To learn more about specific car insurance requirements for New York motorists, visit the New York State Department of Motor Vehicles.
How much does car insurance cost in New York?
New York drivers face some of the highest car insurance rates in the country. On average, New Yorkers pay around $349 per month for full coverage-- an amount that exceeds the national average by 56%.
With our car insurance discounts, we can help you find quality coverage at an affordable rate.
Is New York a no-fault car insurance state?
Yes, New York operates under a no-fault car insurance system. This means that after an accident, each driver's own insurance covers their medical expenses and related costs--regardless of who was responsible for the crash.
Additionally, state law requires all drivers to carry personal injury protection, or PIP, which helps pay for medical bills, lost wages, and other accident-related expenses.
Is insurance need to register a car in New York?
To register a vehicle in New York, you'll need to provide proof of insurance. Additionally, before you're able to get license plates for your vehicle, you'll need to provide evidence that you meet the state's minimum insurance requirements.
According to the New York Sate Department of Motor Vehicles, failing to maintain car insurance coverage can result in the suspension of your vehicle registration and driver's license. That's why it's important to carry proof of insurance whenever you get behind the wheel. If stopped by police, New York drivers can present either a physical insurance card or a digital version on their phone or other mobile device.
Securing the coverage you need at an affordable price
Getting the cheapest car insurance in New York may sound great, but cheap coverage can come at a cost when you need it most if coverage is not reliable in the event of an accident.
Understanding key points can help New York drivers find the right car insurance coverage and avoid legal and financial risks.
At Liberty Mutual, car insurance rates in New York can cost less than you might think.
Save money with these auto insurance discounts
Great drivers are made, not born. You'll get a discount if your driving history is violation-free.3
Learn more about SavingsThe more cars you insure with Liberty Mutual, the more you can save on your premium.3
Learn about Multi-Car Discounts and moreInstantly receive a 10% discount when you enroll. Complete the program and you could save up to 30% on your policy for safe driving behavior.4
Save with our safe driver program