Getting car insurance in New York

New York is a world-renowned state with vibrant cities, natural beauty, cultural offerings, and historical significance. As a major tourist destination, it’s home to the Adirondack and Catskill Mountains, Niagara Falls and many well-known cities, including New York City (NYC), Buffalo, Rochester, and Syracuse.

NYC has five boroughs (the Bronx, Brooklyn, Manhattan, Queens, and Staten Island) that attract millions of visitors each year to its world-class museums, theatres, restaurants, shops and landmarks, like the Statue of Liberty, Central Park and the Empire State Building.

Finding the right car insurance for you means staying up to date on New York requirements. The table below lists the coverages and minimum coverage limits that are required in New York. Keep in mind, however, that minimum coverage limits are just a starting point. You may want to consider increasing your coverage limits for greater protection.

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New York car insurance state minimums

Coverage type
State requirements

Bodily injury liability
Helps cover expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.

$25,000 limit per person/$50,000 limit per accident

Property damage liability
Helps cover expenses related to the damage of another person's property — like vehicles, homes, buildings and other structures — when an accident is your fault.

$10,000 limit

Uninsured motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.

$25,000 limit per person/$50,000 limit per accident

Underinsured motorist
Helps cover your medical expenses if you're in an accident, the other driver is at fault and doesn't have enough liability insurance.

Grouped with uninsured motorist coverage

Personal injury protection
If you and/or your passengers are hurt in an accident, this helps cover medical or funeral expenses.

$50,000 limit

Collision
Helps cover expenses to repair or replace your vehicle that's been damaged in an accident.

Not required¹

Comprehensive
Helps cover expenses to repair or replace your vehicle that's been stolen or damaged by things like storms or vandalism.

Not required¹

Insurance coverage is subject to the coverage limits stated in your policy.

¹Although New York law does not require drivers to carry this coverage, it may be required by your lender if you are leasing or financing your vehicle.

Is New York a no-fault state for car insurance?

Yes, New York is a no-fault state for car insurance. This means all drivers are required to have Personal Injury Protection (PIP) attached to their policies for covered claims. PIP covers any damages a driver incurs from an accident, including medical expenses and lost wages up to policy limits, regardless of who is at fault.

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Drive with quality coverage on your side. Allstate auto insurance can help you stay protected on the road.

Other types of car insurance coverage in New York

Allstate also offer these other types of car insurance coverage:

  • Roadside coverage
  • Ride For Hire®
  • Rental reimbursement coverage or transportation expense coverage

Learn about these and other car insurance coverage types available.

New York car insurance discounts

It’s possible to get quality coverage at a lower rate than you might think. When you get a quote for New York auto insurance from Allstate, you may be eligible for discounts that could help you save. Some available discounts can include:

  • Multiple policy / bundling discount
  • New car discount
  • Responsible payer discount
  • Good student discount

Review the different types of car insurance discounts tailored to you and enjoy savings without cutting coverage.

New York auto insurance bundling discounts

Allstate offers discounts for having multiple polices together, when you need multiple types of protection — for instance, bundling your auto and homeowners insurance could save you money. When you bundle multiple Allstate insurance policies, you can quickly access them with a single sign-in, where you can review your coverages and make payments.

How much does an auto insurance policy cost in New York?

According to Bankrate, the average annual cost for minimum coverage in New York is $1,661. The average annual cost for full coverage is $3,848.

Some factors that impact your car insurance rates in New York

In addition to selecting the coverages, limits and deductibles that’s right for you, these factors could also affect your car insurance rates in New York:

  • The type of car you’re insuring (year, make, model)
  • Your driving habits and annual mileage
  • Demographic factors, like zip code
  • Any discounts you may qualify for

Learn more about these factors that could impact your car insurance premium.

New York’s rules on electronic proof of insurance

If you are stopped by the police and asked to show proof of insurance, you may wonder if you need to find a paper copy of your insurance card, or if you can use an electronic version. In New York, you are allowed to show an electronic copy of your insurance card on your mobile device.

You can use the Allstate mobile app to access a digital ID card.