State coverage guide
New York Auto Insurance Requirements
New York is a no-fault state that requires PIP alongside relatively high liability minimums and mandatory uninsured motorist coverage.
Written by
Dana Whitmore
Senior Insurance Editor · Licensed P&C Agent
Reviewed by
Priya Nadkarni
Managing Editor · Licensed P&C Agent
What New York requires
New York requires 25/50/10 liability, $50,000 in no-fault PIP, and uninsured motorist coverage. It is one of the more demanding minimum packages in the country.
No SR-22 here
Unlike most states, New York does not use SR-22 filings. Coverage is verified directly through the DMV, and lapses can trigger registration suspension and fees.
Sources
New York rates
Compare New York auto insurance quotes
See rates from insurers competing for New York drivers. Free, and it never affects your credit score.
Free · No obligation · No credit score impact