The state of New York has no-fault insurance in terms of car coverage. In general, this means that your insurance policy will cover you if you get into an accident. While the other person insurance will cover them, no matter who’s at fault for the accident.

If you want to purchase auto insurance New York has minimum insurance requirements that must be met if you own a vehicle. On the other hand, New York minimum car insurance coverage covers a bit more than many other states. Not only that but auto insurance in New York is a bit pricier as well.

New York has the minimum car insurance requirements:

  • A $10,000 property damage liability
  • A $50,000 basic no-fault coverage plan
    Keep in mind that bodily injury liability varies. For example there’s a $25,000 injury liability requirement with a limit of $50,000 per accident.

In the unfortunate case of death, it’s a $50,000 per person liability and $100,000 cap per accident.

The rules change if you actually don’t own your vehicle outright. For example, if you have an auto loan from a lender, then state law may require you to purchase higher insurance that is above the minimum.

Despite the cost of minimum car insurance, it is still possible to get cheap auto insurance in New York. In fact, if you are looking for inexpensive and affordable auto insurance New York has some affordable insurance firms.

Make Sure To Shop around

You want to shop around the area to see if you can find the best deals. Also, remember that when it comes to rules regarding auto insurance New York State requires that any business selling insurance must be appropriately licensed to do business in the state.

When you contact an insurer don’t be afraid to ask about discounts with deals. There some standard discounts that may be available. These include discounts for students, spotless driving records, and multi-line policies. There may also be discounts that are unique to a particular car insurance provider.

Other Options

There are also other things you can do to help keep your car insurance costs down. You want to ensure that your vehicle is up-to-date with the latest safety features. This can include installing an anti-theft alarm system and break proof windows. Other things you can look out for is making sure your car passes the emissions test and that childproof locks are installed. Also, cars that are regularly parked on the street carry much higher insurance rates than those stores in garages. So having a safe place to store your car or vehicle can equal big savings down the line. Another way to lower your insurance cost is to take a driving safety course. Once you have a certificate from the course you will be able to present it to auto insurers.


As you can see, in New York you are required to carry some type of auto insurance policy. However, you can find discounts on car insurance premiums if you are a smart consumer.