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Car Insurance in New York (Updated May 2024)

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New York Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at New York specifically, drivers are paying 58% more for car insurance than the national average, with Full Coverage costing New York drivers an average of $299 per month

Despite having the most expensive premiums in the US, the rates in New York can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in New York. Read on to learn more about properly insuring your car in New York. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


New York Car Insurance Laws

New York requires all vehicle owners and operators to maintain insurance coverage, including personal injury protection (PIP), liability insurance, and uninsured motorist coverage. The state uses a software system to monitor uninsured vehicles, so preventing insurance lapses is crucial.

New York’s car insurance minimums are:

  • $25,000 for the bodily injury of one person
  • $50,000 for the death of one person in an accident
  • $50,000 for the bodily injury of two or more people
  • $100,000 for the death of two or more individuals in a single accident
  • $10,000 for property damage

New York’s minimum insurance requirements are equivalent to the national average.

PIP requirements are $50,000 for the insured driver and vehicle occupants injured in a single accident. Uninsured motorist coverage must match liability coverage minimums.

Proof of Insurance

driving without insurance ... New York can revoke your registration and driver's license. ” 


New York has some of the nation’s stiffest penalties for driving without insurance. New York DMV can revoke your registration and driver’s license. You may also be arrested and have your vehicle impounded.

Additionally, New York imposes penalties for uninsured vehicles involved in traffic accidents. You face fines up to $1,500 and pay a $750 civil penalty to reinstate your revoked license. 

If you plan to buy a vehicle in New York, know that the state doesn’t have a new car insurance grace period. Obtaining appropriate coverage before driving the vehicle on New York roads is essential. 

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in New York?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in New York?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in New York?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.