Car Insurance in New York
New York requires drivers to carry 25/50/10 in liability coverage plus $50,000 in personal injury protection (PIP). As a no-fault state, your own PIP pays your medical costs after a crash regardless of who was at fault.
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New York at a glance
Data as of 2023Average cost
$1,753/yr
≈ $146/mo
vs U.S. average
+37%
above the national avg of $1,282/yr
Required minimums
25/50/10
+ $50K PIP
Source: NAIC (2023). Annual average expenditure per insured vehicle.
New York requires drivers to carry 25/50/10 in liability coverage plus $50,000 in personal injury protection (PIP). As a no-fault state, your own PIP pays your medical costs after a crash regardless of who was at fault.
New York also mandates uninsured motorist coverage. Because rates in the New York metro area run high, comparing quotes across multiple carriers is the most effective way to keep your premium down while meeting every requirement.
New York minimum car insurance requirements
New York requires $25,000 of bodily injury liability per person, $50,000 per accident, $10,000 in property damage liability, and $50,000 in PIP. Uninsured motorist coverage of 25/50 is also required. Many drivers add higher liability and optional collision/comprehensive coverage.
New York also requires uninsured motorist coverage of 25/50. As a no-fault state, $50,000 in PIP is mandatory.
How much does car insurance cost in New York?
The average driver in New York pays $1,753 per year for auto insurance — that's 37% above the U.S. national average of $1,282/yr. Higher-than-average rates often reflect denser traffic, higher claim severity, or stricter state coverage requirements.
New York vs the national average
37% above the national average of $1,282/yr.
Source: NAIC (2023). Annual average expenditure per insured vehicle.
How New York premiums have changed since 2019
Auto insurance costs in New York have risen 21% over the past five years. The 2022–2023 jump mirrors a national trend: rising repair costs (vehicle complexity and parts inflation), more frequent severe accidents, and higher litigation costs pushed premiums up faster than overall inflation.
5-year trend: New York vs national average
New York is up 21% from $1,446 in 2019 to $1,753 in 2023.
Source: NAIC Auto Insurance Database Report (2022/2023), Table 4 — Average Expenditure.
Types of car insurance coverage
A New York policy is built from a few core coverages. Liability is required; the rest are optional but often worth it.
| Coverage | What it covers | Required? |
|---|---|---|
| Liability | Injuries and property damage you cause to others | Required (state minimum) |
| Collision | Repairs to your own car after a crash | Optional* |
| Comprehensive | Theft, fire, weather, vandalism, animal strikes | Optional* |
| Uninsured motorist | Your costs if the at-fault driver has no insurance | Varies by state |
*Collision and comprehensive are usually required by your lender if you lease or finance your vehicle.
Driving without car insurance in New York
Driving uninsured in New York can be costly. Penalties typically include fines, suspension of your license and registration, and reinstatement fees. You may also be required to file an SR-22 certificate to reinstate your license.
How to find cheaper car insurance in New York
Rates for the same driver can vary widely between insurers in New York, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Ask about every discount you qualify for
- Keep a clean driving record and good credit (where the state allows it as a rating factor)
- Reconsider collision and comprehensive on an older vehicle
For more, see our guides on how to lower your premium and what affects your rate.
Coverage requirements last verified May 28, 2026. Always confirm current minimums with your state’s Department of Insurance.
New York car insurance FAQs
Common questions about auto insurance in New York
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