Save up to 75%
Get a Free Insurance Quote Now!
New York Car Insurance Regulations & Required Coverage
New York requires all motorists to maintain insurance coverage and is a no fault state. This, along with the fact that it has a large population concentrated in the New York City area, cause insurance rates in New York to be consistently higher than the national average. Nevertheless, to ensure you have adequate coverage, you should consider getting more than just the minimum coverage required. New York insurance law has been written using a no fault system. Unlike most other states that follow a tort system, under a no fault insurance system, regardless of who is found to be at fault in an accident, your own insurance company will pay for your own damages. The specific details of a no fault system can vary from the individual states that follow it, but drivers usually lose some of their legal rights. Required Coverage All personal vehicles in New York require the following liability coverage requirements:
- Bodily Injury
- Property Damage
- Uninsured/Underinsured Motorist Bodily Injury
- Personal Injury Protection
- Comprehensive and Collision Coverage
- Get a standard liability car insurance policy
- Insurance ID Cards (your insurance company or agent is required to provide you with 2)
- When asked by a police officer
- After an accident
- When registering the vehicle
- Anytime you are operating a vehicle
- Suspension of your driver's license
- Suspension of your registration
- If you are involved in an accident without insurance regardless of fault, the state will revoke both your license and vehicle's registration for 1 year.
- A fine up to $1,500 and an additional civil penalty of $750 when receiving your license back.
- 1 - 30 days: $8 per day
- 31 - 60 days: $10 per day
- 61 - 90 days: $12 per day