New York car insurance: minimums, prices and your estimate
New York requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability (written 25/50/10).
New York is a no-fault state: every policy must include $50,000 of personal injury protection (PIP) and uninsured motorist coverage. The bodily injury minimum also rises to $50,000 per person and $100,000 per crash when someone is killed.
- Legal minimum
- 25/50/10 + $50k PIP
- Fault system
- No-fault
- Personal injury protection
- Required, $50,000 minimum
- Uninsured motorist
- Required
- Underinsured motorist
- Must be offered; you can turn it down
- Credit-based pricing
- Allowed with limits
- Gender-based pricing
- Allowed
- High-risk proof filing
- Check with NY DMV
What drivers in New York can expect to pay
Monthly ranges from our model, anchored to New York's position in 7 published price studies from 2025 and 2026 ($3,069 a year for full coverage and $1,123 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $220-$292 | $3,069 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $81-$107 | $1,123 |
| Young driver, full coverage20, own policy, clean record | $409-$614 | $6,138 |
| Senior, full coverage70, clean record | $211-$280 | $2,946 |
| After one at-fault accident35, full coverage | $330-$438 | $4,604 |
| After a DUI35, full coverage | $385-$577 | $5,770 |
| Poor credit35, clean record, full coverage | $393-$564 | $5,739 |
Build your New York estimate
Rules worth knowing in New York
- PIP pays up to $50,000 per person for medical bills, lost earnings (up to $2,000 a month for up to 3 years) and other reasonable expenses (up to $25 a day for up to 1 year). You can buy an extra $25,000 of optional coverage.
- To sue for pain and suffering, you need a serious injury, such as a fracture, significant disfigurement or dismemberment.
- Uninsured motorist coverage at 25/50 is required. Optional supplementary uninsured/underinsured motorist (SUM) coverage goes up to your bodily injury limits, capped at 250/500, and insurers usually set it equal to those limits unless you decline or choose less in writing.
- Insurers may use credit, but not as the only reason to deny you, and they cannot use it to cancel, nonrenew or raise your renewal premium. Age, sex, marital status, where you live and mileage can also affect your rate.
- The DMV does not accept out-of-state insurance, and coverage must stay active for the whole registration period, even if you do not drive. A lapse can lead to a registration suspension; for lapses of 90 days or less, a civil penalty of $8 to $12 a day can be paid.
- New York enforces coverage through insurer reports and lapse penalties, so if you are asked for an SR-22 or similar proof of insurance, check the requirement and how long it lasts with the New York DMV.
Questions about New York car insurance
What is the minimum car insurance in New York?
New York requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $10,000 of property damage liability (written 25/50/10).
How much is car insurance in New York per month?
For a 35-year-old with a clean record, our model puts full coverage at about $220 to $292 a month and state-minimum coverage at about $81 to $107. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is New York a no-fault state?
No-fault state: your own personal injury protection (PIP) pays your medical bills first, whoever caused the crash, and lawsuits are limited to more serious injuries.
Can insurers in New York use my credit score?
Yes, within limits set by state law, so better credit usually means a lower price when you buy a new policy.
Do I need an SR-22 in New York?
New York enforces coverage through insurer reports and lapse penalties, so if you are asked for an SR-22 or similar proof of insurance, check the requirement and how long it lasts with the New York DMV.