New York Car Insurance
New York's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
25/50/10
+ PIP + UM
Avg. full coverage
$3,000/yr
Liability system
no-fault
Estimate your New York premium
Estimated annual premium
$1,800
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
New York car insurance requirements
New York is a no-fault state requiring 25/50/10 (50/100 for a fatality) plus PIP and uninsured motorist coverage, with high downstate premiums.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
New York car insurance FAQ
What is the minimum car insurance required in New York?
New York requires at least 25/50/10 in liability coverage + PIP + UM — that's $25k bodily injury per person, $50k per accident, and $10k property damage. New York is a no-fault state requiring 25/50/10 (50/100 for a fatality) plus PIP and uninsured motorist coverage, with high downstate premiums.
How much does car insurance cost in New York?
Full-coverage car insurance in New York averages roughly $3,000 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is New York a no-fault state?
New York is a no-fault state. Each driver's own PIP coverage pays their medical bills regardless of who caused the crash.
Why is car insurance so expensive in New York?
At about $3,000/yr, New York sits among the pricier states. Dense traffic, higher repair and medical costs, more uninsured drivers, and weather or theft claims all push rates up. Comparing carriers and raising your deductible are the fastest ways to cut the bill.
What's the cheapest way to insure a car in New York?
Carry at least the 25/50/10 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.