New York
Auto Insurance Coverages

Whether you live in Buffalo, Syracuse, Albany or Loon Lake, with so many companies offering auto insurance in New York, how do you know what car insurance is right for you? Allstate offers a variety of auto insurance policies, optional insurance coverages and many other products available in New York. As your auto insurance needs change, your local Allstate agent can work with you to help you make the right choices. If you have a teen driver, there are other considerations such as New York's Graduated Driver Licensing laws (see chart below).

For more information on this state, visit the New York State Information or New York State Catastrophe Information page.

New York Auto Insurance Coverage Scale

Allstate can help you decide how much auto insurance coverage is right for you. Each state, including New York, has different minimum required auto insurance coverage levels, as shown in the chart below. Use this chart to learn more about New York's required coverage levels and the most common car insurance coverages.


	Coverage		State Requirements	Most Common

	Bodily Injury Liability		25,000/50,000	100,000/300,000

	Property Damage Liability		10,000	50,000

	Uninsured Motorist Bodily Injury		25,000/50,000	25,000/50,000

	Medical Payments		Not required	100,000

	Collision		Not required	500 deductible

	Comprehensive		Not required	500 deductible

	Personal Injury Protection		Required	200 deductible

New York Graduated Driver Licensing

Graduated Driver Licensing (GDL) laws are one of the few things that have been proven to save teen lives. New York has its own variation of these laws that both you and your teen should be familiar with. You may want to discuss the New York GDL laws with your teen and use them as a foundation for rules you set for your teen driver.


	Insurance Institute for Highway Safety Rating			Good

	Minimum Entry Age (Optimal: 16)			16, Has optimal provision

	Extended Learner Period (Optimal: at least 6 months)			Has the provision but it is not optimal

	Parent Certification (Optimal: 30 hours minimal)			Has the provision but it is not optimal

	Night Restriction (Optimal: 9 or 10 p.m.)			Has optimal provision

	Passenger Restriction (Optimal: only 1 non-family member)			Has the provision but it is not optimal

	Minimum Exit Age (Optimal: 18)			17

Download a Parent-Teen Driving agreement (PDF format) and start talking to your teen driver about safe driving habits. Get more information and learn about teen driving research, facts, tips, driving laws, and teen driving programs.

Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.

Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Alaska, Alabama, Arizona, Idaho, Nevada, New Mexico, Oregon, Texas, Washington

Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in New York. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.

New York Auto Insurance Coverages