New York Auto Insurance — Minimum Coverage & Rates
New York requires 25/50/10 liability coverage and is a no-fault state.
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New York at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
New York operates under a no-fault system, meaning your own insurance pays medical bills and lost wages regardless of who caused the accident. The state requires all drivers to carry proof of insurance and file an FS-20 form with the DMV. New York also mandates uninsured motorist coverage at the same limits as your bodily injury liability, which most states do not require.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (No-Fault)
Uninsured Motorist Coverage
Supplementary Uninsured/Underinsured Motorist (SUM)
Cost Overview
$79–$152/mo
Typical monthly rate in New York, minimum-coverage policies
Rate data: NerdWallet, ValuePenguin and Insurify, 2026
Find the Lowest Rate That Still Protects You
Find Your Lowest RateCoverage Types
Liability Insurance
The foundation of New York's minimum coverage — 25/50/10 bodily injury and property damage. This protects others, not you or your vehicle. If you cause $40,000 in damage with minimum coverage, you owe $30,000 personally.
Full Coverage
Combines liability, collision, and comprehensive to protect both your vehicle and others. Collision covers crashes; comprehensive covers theft, weather, and vandalism. Required by lenders if you finance or lease.
Collision Coverage
Pays to repair your vehicle after an accident, regardless of fault, minus your deductible. If your car is worth less than $3,000–$4,000, collision may cost more over two years than the vehicle's value.
Comprehensive Coverage
Covers non-collision losses including theft, vandalism, fire, flood, hail, and animal strikes. Western New York drivers face 60,000+ deer collisions annually; NYC drivers face elevated theft and vandalism risk.
Uninsured Motorist Coverage
Mandatory in New York at 25/50 minimum, matching your bodily injury limits. Protects you when hit by a driver with no insurance or in a hit-and-run. You must reject this in writing to remove it.
Personal Injury Protection (PIP)
Mandatory no-fault coverage paying up to $25,000 for your medical bills, $2,000/month lost wages for up to three years, and essential services like childcare. Covers you and passengers regardless of fault.