In New York, auto insurance comes before registration. The state will not issue license plates until you provide proof of insurance.
- In New York, minimum liability insurance must cover at least $25,000 per person and $50,000 per accident for injury, and $50,000 per person and $100,000 per accident for death.
- Uninsured motorist coverage also is required to meet the same threshold as liability insurance: at least $25,000 per person and $50,000 per accident for injury, and $50,000 per person and $100,000 per accident for death.
- You also must have at least $10,000 for property damage liability and $50,000 for basic no-fault insurance.
- You are required to carry proof of insurance in your car at all times.
- New York’s department of motor vehicles could suspend your registration if you fail to obtain insurance or provide proof of insurance.
New York Dept. of Insurance
25 Beaver St.
New York, NY 10004
Web Site: www.ins.state.ny.us/nyins.htm
New York (NY) Mandatory Auto Insurance Minimums:
- Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
- Other Mandatory Insurance: Personal Injury Protection, Uninsured Motorist, Wrongful Death Policy -No-Fault State
- Regulations Regarding Proof of Insurance: Proof Required – When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
- Penalties For Not Carrying Mandatory Insurance: First Offense = Fine of up to $1500 or Jail Term of up to 15 Days