Car insurance in New York
New York is a no-fault state with a minimum liability requirement of25/50/10. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
$25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage, plus mandatory PIP of $50,000 per person. These figures have been unchanged since 1995 despite periodic legislative proposals to raise them.
New York requires 'SUM' (Supplementary Uninsured/Underinsured Motorist) coverage at a minimum of 25/50, which functions as combined UM+UIM protection in a single endorsement.
Estimated cost
Illustrative estimate: roughly $1,800/year for minimum coverage.
Why this is a range, not a quote
SR-22 & high-risk filings
New York does not use SR-22 or FR-44 - it relies on electronic insurance verification plus its own FS-1 filing for certain high-risk or suspended drivers.
Local conditions worth knowing
New York, especially the NYC metro area, has a well-documented no-fault insurance fraud problem including staged-accident rings, cited by the Insurance Information Institute as a major driver of above-national-average premiums.
Frequently asked
- What is the minimum car insurance requirement in New York?
- New York requires liability limits of at least 25/50/10. $25,000 per injured person, $50,000 total per accident for injuries, and $10,000 for property damage, plus mandatory PIP of $50,000 per person. These figures have been unchanged since 1995 despite periodic legislative proposals to raise them.
- Is New York an at-fault or no-fault state?
- New York is a no-fault state for car insurance claims.
- Do I need an SR-22 in New York?
- New York does not use SR-22 or FR-44 - it relies on electronic insurance verification plus its own FS-1 filing for certain high-risk or suspended drivers.
- Is uninsured motorist coverage required in New York?
- New York requires 'SUM' (Supplementary Uninsured/Underinsured Motorist) coverage at a minimum of 25/50, which functions as combined UM+UIM protection in a single endorsement.
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