The state minimum auto insurance coverage in New York
|Bodily Injury Per Person||$25,000||Each person you injured in an accident that you cause would receive $25,000, up to your policy limit.|
|Bodily Injury Per Accident||$50,000||The maximum your insurance would pay out for an accident you caused. At state minimums, this would cover 2 people in the other car. Anything above this limit would need to be paid out of pocket.|
|Property Damage Per Accident||$10,000||The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.|
Although each state sets a minimum liability amount, it’s good practice to review coverage options with your insurance agent. State minimums may not cover you as much as you’d like in the case of a serious accident. Liability coverage does not cover damage to your car or costs from your injuries.
|Bodily Injury Per Person||$25,000||The maximum your insurance would pay for your injuries or your passengers injuries in the event of an accident involving an uninsured or underinsured driver.|
|Bodily Injury Per Accident||$50,000||The maximum your insurance would pay out per accident involving an underinsured or uninsured driver.|
Uninsured/underinsured motorist coverage is only required in some states, but it will protect you if you get into an accident with a motorist without the proper insurance coverage. Uninsured or underinsured motorists can end up costing you due to another driver’s negligence.
|Personal Injury Protection (PIP)||Minimum|
Personal Injury Protection will help with costs beyond medical in the event of an accident. It will help pay for medical expenses, work loss, and even funeral costs.
Other types of auto insurance you can add to your policy are:
Collision coverage will help pay for damages to your car in the event that your car hits another vehicle or an object, such as a building or guard rail.
Comprehensive coverage will cover damage to your car that isn’t caused by an accident, such as a vandalism or theft. It also covers fire, weather damage, and animal collisions.
Medical payments help pay for you or your passengers if they get hurt in an accident in your vehicle.
Licensed % vs. Uninsured %
Insurance in New York
Number of insurance agencies
Annual premium state
Max speed limits
Miles of highway
DUI legal limit
Weird driving laws in state
Handheld cell phone use illegal
Illegal to text and drive
Most stolen vehicles
- 2000 Honda civic
- 1994 Honda accord
- 2000 Dodge caravan
- 1991 Toyota camry
- 1997 Nissan maxima
- 1995 Jeep cherokee/grand cherokee
- 2005 Nissan altima
- 1996 Plymouth voyager
- 2007 Toyota corolla
- 2002 Ford explorer