New York Car Insurance Requirements (Updated for 2025)
If you drive in New York, you’re required to carry specific car insurance coverages to legally operate a vehicle. New York is an at-fault state, and its requirements include both liability and no-fault benefits. Here’s what you need to know for 2025.
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Minimum Required Coverage in New York
As of 2025, New York drivers must maintain at least:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $10,000 per accident
- No-Fault Personal Injury Protection: $50,000
Note: PIP in New York provides coverage for medical expenses, lost earnings, etc., regardless of fault.
Optional Coverages to Consider
- Uninsured/Underinsured Motorist Coverage
- Comprehensive Coverage
- Collision Coverage
- Rental Reimbursement
- Roadside Assistance
Optional but often recommended—especially UM/UIM since many drivers go uninsured or underinsured.
Penalties for Driving Without Insurance
- Fines up to $1,500 for first offense
- License and registration suspension
- Civil penalties of $750–$1,500/year
- SR-22 requirement for high-risk drivers
Proof of Insurance Requirements
New York drivers must always carry and present proof of insurance during traffic stops, accidents, or vehicle registration. Acceptable proof includes:
- Insurance ID card
- Digital proof via insurer’s mobile app
- Electronic verification through the DMV
Compare Auto Insurance Quotes in New York
Premiums in New York vary a lot depending on county, ZIP code, age, driving record, and vehicle type. Use the quote tool below to compare personalized options from top New York insurers:
FAQs
Is New York a no-fault state?
Yes. New York is a no-fault state, meaning PIP covers your medical costs regardless of who caused the accident.
Is Bodily Injury Liability required in New York?
Yes. Liability insurance is mandatory and helps cover injuries and property damage to others.
What is SR-22 in New York?
SR-22 is a certificate of financial responsibility required for high-risk drivers to verify they carry the required insurance coverage.