New York Auto Insurance

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Here's what you need to know...
  • New York is a “no-fault” state
  • Liability coverage and personal injury protection are required of New York drivers
  • There are additional insurance options to consider in order to make sure you are fully covered

Looking for the best New York car insurance coverage? When you hear about someone getting in a car accident, the first question that probably springs to your mind is “Who was at fault?”

If you’re a driver in New York or thinking about moving there and becoming a registered driver, you’ll have to learn to stop asking yourself this question. New York is a “no-fault” state.

“No-fault” means the New York Department of Motor Vehicles has decided that in an accident, each person’s insurance company will be responsible for the cost of medical attention. New York is one of a few several states to adopt this policy, and its goal is to keep the number of frivolous car accident lawsuits to a minimum.

Read on to learn all about car insurance in New York State and then enter your zip code above for a free New York car insurance comparison!

Understanding NY Personal Injury Protection (PIP)


Of course, just because New York has a no-fault policy doesn’t mean that you can just hope for the best if you’re in an accident.

As a result of the policy, the state has created requirements for NY car insurance coverage that must be carried by all legal drivers.

These requirements start with asking each driver to secure personal injury protection (PIP) insurance so that they can seek medical care immediately without worrying about the cost. If you’re not familiar with PIP coverage, its benefits include:

  • Medical care for the insured
  • Rehabilitation services
  • Lost wages during the time that one is injured and can’t work
  • Funeral expenses if the accident is fatal

Liability Requirements for New York Car Insurance

Although the New York no-fault system seems to indicate that you would not have to cover the injuries sustained by another person in an accident you caused, there are exceptions to this rule.

If the injury is severe and the medical bills are deemed to be excessive and more than the victim has insurance for, you may be held responsible for part of the cost.

To keep these costs from coming out of your own pocket, the state of New York also requires all drivers to carry liability insurance.

The state minimums for liability coverage are:

  • $25,000 for medical expenses associated with a single driver
  • $50,000 for total medical expenses associated with all occupants of the vehicle
  • $10,000 for repairs to any property damaged in the accident, including the victim’s vehicle

Additional NY Car Insurance Coverage You Should Consider


If you’ve been paying attention, you’ve probably noticed that while PIP insurance will cover your medical costs and liability insurance will cover excessive medical expenses and damages to your victim(s), neither of these types of insurance will offer any compensation for damages to your property or passengers.

That’s why many New York drivers choose to enhance their policies with these additional types of coverage:

  • Collision/comprehensive: coverage for the cost of repairs to your car, up to the total Blue Book value
  • Gap insurance: coverage that will reimburse you for the difference between the Blue Book value and the amount you own on the loan, in the event that the car is totaled before you own it outright
  • Uninsured motorist: coverage that will compensate you for repairs and medical expenses in the event that the driver at fault has no insurance

Finding New York State car insurance quotes is easy — just enter your zip code below to get started!

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