Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 8, 2020

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Key takeaways...

  • Car insurance for New York drivers is much more pleasurable to find than other states since New York operates under the no-fault car insurance law
  • Any car with New York plates must have liability insurance regardless of whether or not the vehicle is in use
  • The key to finding the best car insurance company is to learn about auto insurance and compare car insurance rates from at least a handful of providers

Car insurance for New York drivers is much more pleasurable to find than other states since New York operates under the no-fault car insurance law.

The New York Department of Motor Vehicles requires all vehicles to have liability insurance.

No fault car insurance simply means that in the event of an accident each parties respective car insurance company will pay damages. Make sure to compare rates with our free quote tool above today!

Table of Contents

Motor Vehicle Liability Insurance Requirements for New York

New York liability insurance requirements cover all vehicles registered in New York State. Any car with New York plates must have liability insurance regardless of whether or not the vehicle is in use.

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Although no fault car insurance does limit your ability to sue another driver there are still many ways you can be party to a lawsuit, especially if the accident was caused by extreme negligence or damages exceeding the amount of your car insurance coverage.

Minimum New York car insurance requirements for each vehicle are as follows:

  • $25,000/$50,000 in Bodily Injury Liability
  • $10,000 for Property Damage Liability
  • $25,000/$50,000 of Coverage for Uninsured/Underinsured Motorist Bodily Injury
  • $50,000 in Coverage for Personal Injury Protection

Although these requirements are higher than most no-fault states it’s highly recommended to always get more coverage.

Average Monthly Car Insurance Rates in NY (Liability, Collision,
Comprehensive)

Your average monthly car insurance rates may not increase as much as you might think by adding additional coverage like comprehensive. Review rates for auto insurance coverage below:

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What happens if I have no car insurance in New York?

Most drivers do not want to experience this as fines can be very stiff and your car registration and/or drivers license suspended should you be caught driving with no car insurance.

Even a lapse in car insurance can pose a stiff financial penalty as car insurance companies automatically notify the New York Department of Motor Vehicles anytime a lapse in coverage occurs.

If the lapse is less than 90 days then you may have an option to simply pay a civil penalty, however, this can be only done once. Any lapse more than 90 days and your plates must be turned into the DMV.

The civil penalty is as follows:

  • Lapse in Coverage between 1-30 days is $8 per day
  • 31-60 Days is $10 per day
  • 61-90 Days is $12 per day

As you can see if your car insurance has lapsed for 75 days, for example, your fine would be around $700 – ouch!

Who is the best New York car insurance company?

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This is an impossible question to answer as a wealth of New York car insurance companies exist who offer affordable car insurance.

Average Monthly Car Insurance Rates by Age & Gender in NY

Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in NY.

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ZIP codes affect auto insurance because of factors like traffic, crime to name a few. Find out how your ZIP code stacks up in NY.

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Let’s see who is the cheapest car insurance company in New York.

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Defining who the best is when all drivers have unique needs is not very likely to help you find the best provider.

The key to finding the best car insurance company is to learn about auto insurance and compare car insurance rates from at least a handful of providers.

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Luckily, New York is one of the most competitive markets for auto insurance so you will have a lot to choose from. Compare rates with our free quote tool below now!

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