Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Oct 30, 2020

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For New Yorkers, figuring out auto insurance and its maze of different levels of coverage, policies and premiums can be very challenging. Drivers can become confused simply by researching auto insurance online, where thousands of companies are pitching their products, many of which can be customized to the driver. Let’s take a look at how auto insurance works in New York and a few facts that will help in the insurance hunt.

New York Auto Insurance Laws And Requirements

In NY, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $10,000 per accident
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Uninsured/Underinsured Motorist coverage minimums:

  • Bodily Injury Coverage – $25,000 per person
  • Bodily Injury Coverage – $50,000 per accident

Personal Injury Protection (PIP) coverage minimums:

  • $50,000 coverage per person

Optional coverage options in NY include:

  • Comprehensive Coverage
  • Collision Coverage
  • Medical Payments Coverage
  • Rental Car Reimbursement Coverage
  • Roadside Assistance / Towing Coverage
  • Funeral Services Coverage

The State of New York requires its citizens to purchase three different types of insurance policy to satisfy their minimum requirements to register a vehicle. Personal Injury Protection insurance – or “PIP” – is designed to quickly pay out medical expenses and lost wages as a result of an automobile accident. This insurance policy covers the driver, all passengers, and any pedestrians involved in the accident. Minimum coverage is $50,000 per person, which includes up to $2,000 per month of work missed, all reasonable medical expenses, a $2,000 death benefit, and a number of other benefits. Of course, there are a number of regulations which can void this policy, such as driving while intoxicated. It’s important to read up on the PIP policy to ensure it’s well understood.

It’s important to note that since New York is considered a “no fault” insurance state, which means that no matter who is responsible for causing the automobile accident, every party involved will be required to make insurance claims to their own auto insurance company. While this does cause some grief if you end up in an accident that you had nothing to do with, overall no-fault insurance does tend to reduce litigation and claims, which makes auto insurance less expensive for everyone. There are some exceptions to the no-fault rules, such as accidents that cause severe economic losses and accidents that result in “serious” injury as designated by state law.

The next mandatory insurance coverage is liability insurance. This injury protects the driver from third-party injury or property damage claims that can result from an accident. The minimum coverage in New York is the “25/50/10”, which translates to $25,000 for bodily injury, $50,000 for any injury resulting in death, and $10,000 for property damage. Anyone insuring a car in New York would do well to exceed these numbers by as much as they can afford, as medical costs and property values are generally significantly higher than these numbers if the accident is serious.

Finally, New York requires drivers to have Uninsured Motorists Coverage. This policy protects drivers, passengers and all members of the household in the event that they are injured by someone who doesn’t have insurance coverage. The mandatory policy only covers bodily injury, and will only stay in effect inside the state boundaries of New York; the policy can be extended with a number of different features, such as inter-state coverage, if one so chooses. This policy is one that’s best discussed at length with an auto insurance agent as there are many variables that go in to choosing the right amount of coverage.

It probably doesn’t come as a surprise to anyone that auto insurance rates are higher than other states on average.

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We can also take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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New York Auto Insurance Rates by Company

Given that rates can be very expensive in New York, it helps to shop around and determine the company that not only best fits your needs, but also your budget.

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But which companies are the largest, holding the most market share percentage in the region?

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New York Driving Statistics

As the goal of insurance is to help protect against tragedies such as accidents and theft, it’s important to discuss the actual accident risk while driving in the State of New York. New Yorkers will be pleased to know that their overall number of accidents and the number of fatalities caused by traffic accidents declined in 2009 (the most recent year for which numbers are available) compared to 2008. 2009 saw 315,000 total accidents throughout the state, a decline of about 1,500 accidents, and fatalities of 1,060, which represented a ten percent decline from 2008. These declines are the result of more stringent law enforcement, and drivers paying more attention and care while they’re driving their car.

New York remained one of the areas that one is least likely to have their automobile stolen throughout the country in 2009. Just 21,800 vehicle thefts were reported, which is incredibly low when compared to other populous states such as California (192,000 thefts), Texas (85,000) and Florida (63,000). More vehicles were stolen in the city of San Diego than in the entire state of New York in 2008, which is nothing short of incredible. While 21,800 is still a very high total number, it has been dropping considerably in the past few years, and New York’s annual auto theft count is down by more than 50% since 2004.

NY Auto Insurance Quotes

If you’re in the hunt for auto insurance – it’s important to do your research before making a decision. Take all of the different companies, levels of coverage, and your budget into account and figure out what’s going to work for you. It doesn’t hurt to chat with an auto insurance agent as well, as they may have a few tips that can save time and money.

To compare auto insurance rates in New York, enter your zip code in the quote box above.  Whether you live in downtown Manhattan or rural upstate, we can help you save hundred on your insurance premiums. 4AutoInsuranceQuote.com has been helping New Yorkers save on their auto insurance for years.

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New York Auto Insurance By City/Town

Additional New York Auto Insurance Resources