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New York Car Insurance & Minimum Coverages

There’s more to New York than just the city. Sure, there’s plenty to see in downtown NYC, but have you ever visited Lake Ontario or the logging trails upstate? New York is truly gorgeous, and there are plenty of roads to wander, but you’ll need to drive legally.

In this guide, we’ll talk about everything you need to know about New York car insurance. What are the minimum requirements, what does insurance cost, and what happens if you don’t have coverage in the Empire State? Let’s take a look.

New York Car Insurance Minimum Requirements

In order to register your car or truck with the New York DMV, you’re going to need to meet the following minimum insurance requirements:

  • Bodily injury liability insurance: $25,000 per person and $50,000 per accident.
  • Property damage liability insurance: $10,000 per accident.
  • Uninsured and underinsured motorist bodily injury insurance: $25,000 per person and $50,000 per accident.
  • Personal injury protection: $50,000.

Keep in mind that these are just the minimums. If you choose, you can get full or additional coverage for your vehicle. This may not be necessary in the more rural areas of New York, but is probably worth considering if you live in the city.

What is the Average Cost of Car Insurance in New York?

It will probably come as no surprise to you that insuring a car in New York is expensive. The average cost of New York car insurance with full coverage is $1,286 per year for men and $1,422 for women. Compare that to the national average for the same coverage which is around $890.

Now, as you’d imagine, your insurance policy premiums will vary in cost depending upon where you live. Drivers who live within the five boroughs of New York City will pay significantly more than those who live in, say, Jefferson County on Lake Ontario.

You can find good rates on your New York car insurance when you shop around. Insurers will take several factors into account, including:

  • Your age
  • The zip code where you park your car
  • Your age
  • Your marital status
  • Your credit
  • Your driving history

Be sure to ask your agent about discounts you may qualify for.

Why is Car Insurance So Expensive in New York?

The short answer to why insurance rates are so high in New York is that everything costs more in New York. New York State has the third-highest cost of living in the United States, and that includes auto insurance.

Vehicles in New York may cost more than those in other states, and that makes them more expensive to insure. There are many high-crime areas in New York, too. If your vehicle is parked in a high-crime zip code, you’re more likely to experience theft or vandalism.

Finally, New York is a “no-fault” state. That means that regardless of who is at fault in an accident, both insurance companies will have to pay out. That further drives up the cost of your insurance premiums, no matter your driving history.

Lapses in New York Car Insurance

If your New York car insurance lapses, you face expensive fines and even the revocation of your driver’s license and registration. It’s important that you purchase a car insurance policy and maintain it to avoid trouble within the legal system.

Fines for lapsed insurance in New York are largely based on how long you’ve been without coverage. If it’s been less than 30 days, you’ll be charged $8 per day, up to $240. Up to 60 days, you’ll be charged $10 per day, up to $300. And if you’ve been uninsured for 61-90 days, you’ll pay up to $900.

Upon discovering that you’re uninsured, New York will generally give you a grace period before revoking or suspending your license. You’ll have up to 90 days to prove that you’ve obtained insurance. You’ll then pay your penalties and your driving privileges will be reinstated.

Best Auto Insurance in New York

New Yorkers were polled to determine the best car insurance companies in the state. The following five insurers were ranked best for affordability, coverage, and service:

  • Progressive
  • Erie
  • New York Central Mutual
  • Allstate

Driving in New York

Are you ready to hit the road in New York State? Here are a few facts about driving in the Empire State you may be interested to learn.

  • In New York, it’s illegal to speed past a garbage truck.
  • There are no right-hand turns at red lights on most New York streets.
  • In New York, the most commonly stolen vehicle is the 1997 Honda Accord. Be sure to lock your doors!

Conclusion: New York Car Insurance

New York is much more than just the city that shares its name. If you want to explore the mountains, lakes, and nightlife of the Empire State, you’ll need to be properly insured. Find a policy that works with your lifestyle, then enjoy all that New York has to offer!