New York- Auto Insurance

In New York, auto insurance comes before registration. The state will not issue license plates until you provide proof of insurance.

Guidelines

  • 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.

Contact:

New York Dept. of Insurance
25 Beaver St.
New York, NY 10004
Phone: 1-212-480-6400

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

Inside New York- Auto Insurance