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Auto Insurance Requirements In New York

New York Auto Insurance 

According to the New York state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while New York law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the state of  New York

New York law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • $10,000 for property damage for a single accident
  • $25,000 for bodily injury 
  • $50,000 for death for a person involved in an accident
  • $50,000 for bodily injury 
  • $100,000 for death for two or more people in an accident

According to the New York DMV, your liability insurance coverage must remain in effect while the registration is valid, even if you don’t use the vehicle (there are exceptions for motorcycles).  It must be New York State insurance coverage, certified by NY State DMV – out-of-state insurance is never acceptable

Penalties and Violations

If you are caught driving without insurance in New York,  you could face fines between $150-1,500, as well as impoundment of your vehicle and imprisonment for up to 15 days. The DMV can also revoke your drivers license and registration. If the DMV has ordered the suspension of your driving privileges, you may receive a notice in the mail resembling this form. In order to reinstate your license, you could be required to pay $750 to the DMV.

Choosing the insurance that’s actually right for you may seem overwhelming.  It’s important to make sure you’re adhering to the law in whatever state you live.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Getting the right insurance is just a few steps away.