There’s no greater joy than hitting the open road in your beloved vehicle, from a Harley to a Hyundai and everything in between. But whether you’re embarking on a great adventure or just commuting to and from work, you’ll need the proper auto insurance required by the great state of New York.

Purchasing and maintaining auto insurance and registering your car in your home state can be tedious, but it’s worth it. Getting in an accident or even just driving without insurance can have major unintended consequences.

Every state has different auto insurance requirements. For drivers living in New York, you’ll need to meet the state’s four minimum (meaning mandatory) insurance requirements to be road-ready. These include:

  • Bodily injury liability

  • Property damage liability

  • Basic personal injury protection

  • Uninsured motorist bodily injury coverage

Read on to learn more about each requirement and the consequences of not meeting them.

Top 4 Car Insurance Requirements in New York

When shopping around for auto insurance in New York, you’ll want to be sure that the policy covers the state’s four minimum requirements.

This way, you’re protecting not only yourself and your assets but also all the thousands of other drivers you’ll meet on the road.

#1 Bodily Injury Liability

Bodily injury liability insurance coverage covers any costs associated with physical injuries or death incurred after an accident. New York State requires that a policy covers at least:[^1]

  • $25,000 for bodily injury to one person

  • $50,000 for bodily injury to all persons

This means that if you’re held responsible for having caused the accident, your policy pays for the other driver’s (and potential passengers’) medical bills, up to $25,000 per person, or $50,000 per accident.

When choosing an auto insurance policy, keep in mind that these amounts are the required minimum. If you have the minimum coverage and are in an accident with much higher medical expenses, your policy will only cover a fraction of the cost; you’ll be financially responsible for the rest.

#2 Property Damage Liability

The second requirement you’ll want to look out for is property damage liability. In New York, you’ll need a policy that covers a minimum of $10,000 in property damages.

Again, this is the minimum amount required. If, for example, you’re at fault for an accident in which another driver’s brand new (and very expensive) car is totaled, you may be facing out-of-pocket costs to cover the remaining damages.

#3 No-Fault Injury insurance/Personal Injury Protection (PIP)

Bodily injury and property damage liability are common minimums required across the country, but basic personal injury protection (PIP) is only required in 12 states,[^2] New York among them.

New York car state insurance requirements include mandatory PIP (also known as no-fault coverage) of $50,000 per person.

In the event of an accident, PIP covers you and your passengers’ medical expenses, including hospital visits, physical therapy, and rehabilitation. PIP also covers pedestrians who may be injured by your car. New York’s minimum PIP coverage should also help you with lost wages and funeral expenses.

#4 Uninsured Motorist Bodily Injury

If you are hit or injured by an uninsured driver, your uninsured motorist bodily injury coverage will kick in.

New York requires vehicle owners to carry a minimum of $25,000 for bodily injury per person and $50,000 per accident. This insurance coverage only applies to bodily injury costs associated with you, the policyholder, or your passengers, and does not cover any property damage expenses.

No Insurance Penalties

Maintaining the proper, mandatory insurance may be a hassle, but it’s always worth it. The consequences are serious, even if you aren’t in an accident.

By driving uninsured—even if it’s just to the grocery store and back—you could:[^3]

  • Be ticketed up to $1,500 by the traffic court

  • Be arrested

  • Have your vehicle impounded

  • Have your New York car registration and license revoked by the DMV for at least one year, before being forced to pay another civil fine of $750 to get your license back

Much like the texting and driving fine in New York, these punishments can be quite serious. If you are in an accident without insurance, you’ll also be responsible for all costs associated with personal injury and property damage.

Driving without insurance can cost you tens of thousands of dollars, plus you could lose your driving privileges altogether. While it may be tempting to hop in the car for a quick errand, think twice before driving without insurance.

Be Prepared, Get Insured

When searching for a new auto policy, remember to check all the mandatory boxes, including bodily injury coverage, property damage coverage, basic personal injury protection, and uninsured motorist bodily injury coverage.

These minimum requirements help protect you, your passengers, and other drivers on the road from the hefty costs associated with an accident.

If you’ve let your current policy lapse or are shopping around for the cheapest car insurance in New York, you’ll want to take some time to compare New York car insurance rates and providers.

Online Auto Insurance (OAI) is a database that easily lets drivers compare the insurance rates of popular providers from AAA to 21st Century. Browse car insurance company policies that both meet your state’s minimum coverage requirements and offer the best rates for your financial situation.

If you just can’t wait to get back on the road, find fast and free quotes from OAI today.


Department of Financial Services, New York State. Auto Insurance Frequently Asked Questions.

Claims Journal. Commentary: The Failure of No-Fault Insurance.

Department of Motor Vehicles, New York State. Auto Liability Insurance.

Online Auto Insurance. New York Car Insurance.

Online Auto Insurance. What is the Difference Between Liability and No-Fault Insurance? \


[^1]: Department of Financial Services, New York State. Auto Insurance Frequently Asked Questions.

[^2]: Claims Journal. Commentary: The Failure of No-Fault Insurance.

[^3]: Department of Motor Vehicles, New York State. Auto Liability Insurance.