Is New York a no-fault state?

Yes, New York has been a no-fault state since 1974, according to the Insurance Information Institute . Drivers are required to carry personal injury protection, which helps cover certain medical expenses after an accident, regardless of fault.

How do I lower my car insurance in New York?

Start by making sure you provide accurate information for everyone in your household, your vehicle, and your driving patterns. This helps ensure you're quoted correctly. From there, a few strategies can help lower your rate . You can choose coverage limits and deductibles that fit your needs, maintain a clean driving record, qualify for discounts, bundle policies, or participate in programs like Snapshot . Reviewing your policy regularly and comparing quotes can also help you find the best price on car insurance.

What are the laws in New York for electronic proof of insurance?

New York allows drivers to show electronic proof of insurance . You can display your insurance ID card on a smartphone or other mobile device instead of a paper copy.

Do you need insurance to register a vehicle in New York?

Yes, New York requires drivers to carry auto liability insurance before registering a vehicle. Your insurer must report the coverage to the DMV, and the policy must come from a company licensed to operate in New York. The name on the policy must match the name on the vehicle registration exactly. A mismatch can result in a DMV fine for lapsed or absent coverage. The insurance must remain active as long as the vehicle stays registered.

Can you have out-of-state car insurance in New York?

No. If your vehicle is registered in New York, you must carry an auto policy issued by a company licensed to operate in New York.

New York car insurance

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Getting car insurance in New York

Choosing car insurance in New York comes down to finding coverage that fits your needs and budget. New York has unique car insurance requirements and rules about who and what must be listed on your policy. Progressive helps all New York drivers navigate these factors and more with flexible coverage options and transparent pricing. Plus, our easy-to-use tools help drivers compare coverage and find ways to save.

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Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in New York?

New York currently requires drivers to carry the following auto insurance coverages.

Coverage	What it covers	Minimum amount
Bodily injury liability	What it covers Injuries you cause to others in an accident	Minimum amount $25,000 per person $50,000 total per accident
Property damage liability	What it covers Damage you cause to someone else's vehicle or other property in an accident	Minimum amount $10,000 per accident
Personal injury protection (PIP)	What it covers Your medical bills, lost wages, and death benefits	Minimum amount $50,000 per person
Uninsured motorist bodily injury	What it covers Injuries caused by uninsured or underinsured drivers	Minimum amount $25,000 per person $50,000 total per accident

New York also requires insurers to offer two supplementary coverages:

Supplementary uninsured/underinsured motorist (SUM) coverage, which provides additional protection beyond the state's required uninsured motorist coverage. You may decline this coverage or choose lower limits by signing a written rejection form.
Supplemental spousal liability, which provides liability coverage if an insured's spouse is injured as a result of the insured's negligence.

Coverage	What it covers	Minimum amount
Supplementary uninsured/underinsured motorist (SUM)	What it covers Additional coverage for injuries caused by a driver with too little or no insurance. Applies both in and out of state Note: This coverage can be rejected	Minimum amount Limits can match your bodily injury liability limits
Supplemental spousal liability	What it covers Liability coverage for injuries (including pain and suffering) where the person's spouse is at fault	Minimum amount Coverage is included within your policy's bodily injury limits

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Car insurance discounts in New York

Discounts can help lower your rate based on how you drive, the vehicle you drive, and how you manage your policy. Progressive offers a variety of discounts to help New York drivers get a better deal on car insurance. Popular discounts available in New York include:

Multi-car
Save when you have more than one vehicle listed on your policy. You can add any car to your auto policy (such as your spouse's, family member's, or roommate's), as long as it's kept primarily at your address.
Multi-policy
Save when you have two or more policies with Progressive. For instance, if you carry auto and boat insurance with us, you'll enjoy a discount on your auto policy.
Good student
If a full-time student on your policy maintains a "B" average or better, you may qualify for a car insurance discount.

What is the average cost of car insurance in New York?

The average cost of car insurance in New York is generally higher than the national average. Based on Progressive's internal data, New York falls into a group of states that have higher auto insurance costs overall with an average of $165.02 per month.^† That amount is based on a six-month, liability-only policy with one vehicle and one driver.

Factors that impact your auto insurance rate in New York

Many factors impact how much you pay for auto insurance in New York, including:

Driving history: Tickets, accidents, and prior claims can affect your rate.
Annual mileage: Insurers consider how much you drive when setting rates.
Vehicle type: Your car's make, model, age, safety technology, and repair costs are factored into your price.
Location: Traffic density, accident frequency, and theft rates vary widely across New York, especially in large metro areas.
Coverage choices and deductibles: The coverages you select, your limits, and your deductible amounts affect your rate.

Recommended additional auto insurance coverages in New York

New York requires bodily injury and property damage liability coverage, personal injury protection, and uninsured motorist coverage, but these coverages may not cover all costs after an accident. Adding optional coverages delivers extra protection, can help fill gaps in your policy, and gives you peace of mind:

Coverage	What it covers
Medical payments (MedPay)	What it covers Medical and funeral expenses for you and covered household members after an accident
Comprehensive	What it covers Cost to repair or replace your car if it's damaged by hail, fire, theft, wind, flood, vandalism, and other covered events
Collision	What it covers Cost to repair your vehicle if it overturns or collides with another vehicle or object

New York driving resources

Learn more about New York's driving laws and insurance requirements. Keep in mind that local governments may have additional rules or requirements.

New York Department of Motor Vehicles: Find official information on driver licensing, vehicle registration, and New York driving laws.
NYC Department of Transportation motorist resources: Find official information for New York City drivers, including traffic rules, parking regulations, truck routes, and other guidance for motorists navigating city streets.
New York Driver's Manual: Access the official handbook covering traffic laws, road signs, and safe driving practices.

How to get car insurance in New York with Progressive

Progressive makes it easy for New York drivers to compare coverage options, and get a competitive auto insurance quote.

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New York car insurance FAQs

Yes, New York has been a no-fault state since 1974, according to the Insurance Information Institute. Drivers are required to carry personal injury protection, which helps cover certain medical expenses after an accident, regardless of fault.
Start by making sure you provide accurate information for everyone in your household, your vehicle, and your driving patterns. This helps ensure you're quoted correctly.
From there, a few strategies can help lower your rate. You can choose coverage limits and deductibles that fit your needs, maintain a clean driving record, qualify for discounts, bundle policies, or participate in programs like Snapshot. Reviewing your policy regularly and comparing quotes can also help you find the best price on car insurance.
Yes, New York requires drivers to carry auto liability insurance before registering a vehicle. Your insurer must report the coverage to the DMV, and the policy must come from a company licensed to operate in New York. The name on the policy must match the name on the vehicle registration exactly. A mismatch can result in a DMV fine for lapsed or absent coverage. The insurance must remain active as long as the vehicle stays registered.