New York drivers must carry minimum liability insurance to legally operate a vehicle. As an at-fault state, the driver responsible for the accident covers damages. Below is an updated overview of New York’s insurance requirements for 2025.
Minimum Financial Liability Obligations in New York
New York requires drivers to maintain these minimum liability limits:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $10,000 per accident
This 25/50/10 coverage helps protect other drivers and property if you’re at fault.
New York Uninsured Motorist Coverage Options
New York requires insurers to offer UM/UIM coverage, which you can accept or decline in writing. This helps pay for your injuries if the at-fault driver lacks sufficient insurance.
Optional Coverages Worth Considering In New York
Consider these additional protections:
- Collision and Comprehensive Coverage
- Medical Payments Coverage
- Roadside Assistance and Rental Reimbursement
Theft, vandalism, natural disasters, and accidents not involving other vehicles can be covered with these options.
New York City residents may face some of the highest car insurance rates in the country, even if they drive less frequently. Blame this on the volume of accidents, Lawsuits, and fraud.
Are There Penalties for Driving Without Insurance In New York?
Driving without insurance in New York can result in:
- Monetary fines
- Suspension of license and vehicle registration
- SR‑22 filing requirement for high-risk drivers
Proof of Insurance Carry Options
New York drivers must carry proof of insurance and present it during traffic stops, after accidents, or when registering a vehicle.
Frequently Asked Questions about New York Car Insurance
What are New York’s minimum car insurance requirements in 2025?
New York requires at least $25,000 in bodily injury liability per person, $50,000 per accident, $10,000 in property damage, and $50,000 in Personal Injury Protection (PIP) due to its no-fault system. Uninsured motorist coverage is also required.
Does New York verify insurance electronically?
Yes. New York uses an electronic insurance verification system through the DMV to monitor insurance coverage continuously. Lapses are automatically flagged and enforced.
What are the penalties for driving without insurance in New York?
Penalties include fines, registration and license suspension, a civil penalty of up to $900, and a mandatory one-year license revocation for serious offenses.
Can New York suspend your registration automatically for a lapse in coverage?
Yes. New York’s system tracks insurance status in real time. If your coverage lapses, your registration and license may be suspended—even without a traffic stop.
Compare New York’s laws with nearby states:
New Jersey,
Pennsylvania,
Connecticut, and
Massachusetts.