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.

Not in New York? Check your state requirements to determine your auto insurance needs.

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.