Best Car Insurance in New York (2026)
CSAA, Liberty Mutual, and Progressive are some of the best car insurance companies in New York.
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Written byDanny Smith
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Finding the right car insurance can be tricky, as every driver has different priorities when it comes to what they want in a policy. On average, New York drivers pay $150 per month for liability coverage and $170 for full-coverage insurance. But you can potentially find lower rates by comparing quotes and coverage options from multiple insurers.
Insurify analyzed 50 car insurance companies based on various factors to determine the best and cheapest car insurance in New York. Here’s what you should know about your New York car insurance options.
Best car insurance companies in New York
New Yorkers have plenty of good car insurance companies to choose from, but some stand out from the rest. Below, you can learn about the five best auto insurance companies available in New York. The companies below all have solid financial strength and customer satisfaction rankings, affordable average premiums, and good coverage offerings and discounts.
CSAA: Best for affordability
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $262/mo |
4.5
Best choice in New YorkBased on 2,328 verified driver reviews and ratings
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best in New York for
AAA members
Customer service
Membership perks
How drivers feel about CSAA
Drivers appreciate the professional customer service and quick claim handling but dislike the consistent rate increases and expensive premiums. Some also found the communication lacking and felt neglected.
AI-generated from the text of verified reviews collected by Insurify
Best in New York for
AAA members
Customer service
Membership perks
Showing recent national reviews - See all 486 CSAA reviews
Gary
Verified Review
All car insurance companies suck!
Reviewed in Michigan on March 10, 2026
They reduced my rate by $450 when I compared other companies' rates.
Joseph
Verified Review
AAA is the best
Reviewed in Mississippi on January 24, 2026
I believe you would get a lower rate and excellent coverage.
Cheryl
Verified Review
Only moderately satisfied
Reviewed in Mississippi on January 5, 2026
The price quoted and the first payment were made, but the subsequent payments increased. I was forced to use auto-pay, which I don't find necessary at 72 years old. I was supposed to be auto-billed on 2/2, and today, 2/5, I still haven't been billed. That's not acceptable.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
CSAA is the best car insurance company in New York for drivers looking to save money. The insurance company offers the cheapest average rates in the state and provides drivers with some unique membership perks.
But you’ll need to be an AAA member to qualify for coverage. AAA memberships can cost as little as $4 per month, so it could be worthwhile to qualify for auto coverage.
Pros
Affordable coverage
AM Best financial strength rating of A (Excellent)
Below-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Cons
Must be an AAA member to qualify for coverage
Fewer coverage options than some competitors
Coverage offerings vary by location
Travelers: Best for customer service
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $142/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $161/mo |
4.7
Best choice in New YorkBased on 1,290 verified driver reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best in New York for
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best in New York for
Numerous discounts
Gap insurance
Rideshare coverage
Showing 5 reviews from New York drivers - See all 568 Travelers reviews
June
Verified Review
Would not recommend Travelers, will never go back to them.
Reviewed in New York on January 14, 2026
I was with Travelers for a while until I purchased a new vehicle, and then they messed up my billing two months in a row. I didn’t receive a bill through the mail or through my email, but they were sure able to send me a cancellation notice two months in a row.
William
Verified Review
Average
Reviewed in New York on December 30, 2025
It's basic coverage at a very high rate. Unfortunately, living in NY is very expensive.
Brenda
Verified Review
Very Helpful and Affordable
Reviewed in New York on December 21, 2025
Check them out, you won't regret it.
Joann
Verified Review
Fair Auto Coverage
Reviewed in New York on October 25, 2025
I've never had a claim, and I think it's overpriced.
Jacob
Verified Review
Travelers Review
Reviewed in New York on September 23, 2025
Has a good ability to pay claims.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
667NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Headquartered in New York City, Travelers is the best car insurance company in the Empire State for customer service. It has fewer complaints than average on the NAIC complaint index, and it has the second-highest J.D. Power rating in New York — behind only USAA, which is only available to military families.
Pros
Second-highest J.D. Power customer satisfaction rating in New York
AM Best financial strength rating of A++ (Superior)
Below-average number of complaints filed with the NAIC
Cons
Rideshare insurance not available in New York
SR-22 insurance not available
Below-average J.D. Power claims satisfaction rating
Progressive: Best for discounts
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 621 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $298/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $454/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in New York for
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in New York for
Competitive rates
Easy buying process
Telematics program
Showing 47 reviews from New York drivers - See all 8,158 Progressive reviews
Fritz
Verified Review
I have insurance with Progressive, and because of my age of 75, I feel I've been discriminated against. While some cars pay less than $900 a year, I have to pay $2,800 because of my age. According to their agents, an elderly person represents a danger.
Reviewed in New York on March 11, 2026
I have insurance with Progressive, and because of my age of 75, I feel I've been discriminated against. While some cars pay less than $900 a year, I have to pay $2,800 because of my age. According to their agents, an elderly person represents a danger.
Robert
Verified Review
Expensive Car Insurance
Reviewed in New York on March 3, 2026
Too expensive. They gave me a price, but every month they take $40 more than the agreement states, and no one can tell me why. Every time I try to search for a different insurance, they always transfer me back to Progressive. I'm waiting on a settlement, then I'm moving out of this state and going someplace where Progressive does not have a monopoly on insurance.
Dawn
Verified Review
Rates are ridiculous
Reviewed in New York on March 2, 2026
NYS has the highest premiums anywhere, despite a great driving record! I've had zero tickets since 1989, yet my premiums go up all the time. Progressive told me 3 years ago it was because of the payout costs. Either get a new accountant or make offenders pay what they owe, not on the low income! Please.
Daniel
Verified Review
Excellent
Reviewed in New York on February 28, 2026
For my area, they have the best price so far that I could find.
Aroosa
Verified Review
Not great!
Reviewed in New York on February 22, 2026
Progressive should be good, but the price was far too high!
Anne
Verified Review
Excellent
Reviewed in New York on February 18, 2026
I had a very good experience with Progressive auto and tent homeowners.
James
Verified Review
Be Careful
Reviewed in New York on February 17, 2026
Changed price without notice or reason.
Carol
Verified Review
The only problem was that Progressive said they would contact my old insurance to let them know I have a new policy, but they didn’t. Now they say I owe them money for two weeks of coverage after the cancellation date.
Reviewed in New York on February 15, 2026
The only problem was that Progressive said they would contact my old insurance to let them know I have a new policy, but they didn’t. Now they say I owe them money for two weeks of coverage after the cancellation date.
Mark
Verified Review
Poor
Reviewed in New York on February 3, 2026
I pay $224 a month at 66 years old with no DWI and no tickets.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
621NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Progressive is the best car insurance company in New York for drivers looking to take advantage of discounts. The insurer offers 14 discounts — including bundling discounts — that drivers can potentially earn to save money on car insurance premiums. Progressive has numerous coverages and is a reliable company, making it a good option for many New York drivers.
Pros
Below-average number of complaints with the NAIC
AM Best financial strength rating of A+ (Superior)
Accident forgiveness available
Cons
Below-average J.D. Power customer satisfaction rating
Trustpilot rating of 2 out of 5
Gap insurance not available
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $122/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $138/mo |
4.9
Best choice in New YorkBased on 3,167 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in New York for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in New York for
Members of the military community
Outstanding customer service
Competitive rates
Showing 11 reviews from New York drivers - See all 1,487 USAA reviews
Kenneth
Verified Review
Service Great but Pay a Lot More
Reviewed in New York on January 10, 2026
The rates are more than twice as high.
Christopher
Verified Review
Buyer beware if you ever have a significant claim
Reviewed in New York on January 1, 2026
Despite being insured with this company for 30 years and having minimal claims, our latest claim experience has been pure misery. We had to fight against a low vehicle valuation based on false "comparable" vehicles and an overstated repair estimate based on misinformation, which together led to a false total-loss declaration. Be prepared to vigorously defend your interests if you ever have a claim.
Freddie
Verified Review
Overall Opinions
Reviewed in New York on December 19, 2025
They do not do what you ask them, like notifying you about claim status, even if you choose to go to court. Even when you have an accident with no charges against you, they increase their price, which is frustrating.
Martha
Verified Review
USAA is great
Reviewed in New York on December 13, 2025
USAA is very customer-oriented, and I always feel attended to when I interact with them. Their staff is knowledgeable and caring, focused on helping me get what I need. I've been a customer for close to 60 years and I wouldn't go anyplace else.
John
Verified Review
All's Well
Reviewed in New York on November 18, 2025
Very good experience overall!
William
Verified Review
Can't win for losing.
Reviewed in New York on October 17, 2025
They are the cheapest of all, if you qualify. All auto insurance rates are untenable since the border situation.
Joseph
Verified Review
USAA Top Shelf
Reviewed in New York on May 9, 2025
After researching car insurance, USAA came out on top. The prices and the coverage can’t be beat, along with little extras like towing and rental car reimbursement. It’s the one you should pick first.
Julio
Verified Review
Oh well,
Reviewed in New York on April 22, 2025
They gave me a price 6 months ago and raised it over $300 this 6-month period. Guess they got my money. Not just USAA, so no breaks for people that have their cars hit while they sleep?
Daniel
Verified Review
USAA... It is Simply Better
Reviewed in New York on April 16, 2025
USAA sets the standard by which other companies are judged.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
746NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is the best car insurance company in New York for for active-duty military members, veterans and their qualifying family members. It offers various special coverages and discounts for eligible drivers. It’s an excellent choice for the more than 830,000 veterans who live in New York.[1]
Pros
Above-average J.D. Power customer satisfaction rating
AM Best financial strength rating of A++ (Superior)
Usage-based insurance available
Cons
Above-average number of complaints with the NAIC
Coverage restricted to members of the military community
Limited number of local offices in New York
Liberty Mutual: Best for flexibility
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $150/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $208/mo |
3.4
A solid option in New YorkBased on 3,642 verified driver reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best in New York for
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best in New York for
Numerous discounts
New and financed vehicles
Accident forgiveness
Showing 24 reviews from New York drivers - See all 1,889 Liberty Mutual reviews
William
Verified Review
A Good Experience
Reviewed in New York on March 8, 2026
Very good service.
Maury
Verified Review
Review of Liberty Mutual Insurance
Reviewed in New York on March 6, 2026
Very expensive.
Frederick
Verified Review
High Prices for Seniors
Reviewed in New York on February 27, 2026
The car insurance rates for those over 65 are very high. I am 71, and they want $2,300 a year for basic coverage and $1,750 more with collision. I haven't had any tickets for 25 years and no claims in 40 years.
Bernard
Verified Review
Satisfied
Reviewed in New York on February 22, 2026
Good company, just think prices are high for repeat customers.
Christine
Verified Review
Liberty Mutual is Good
Reviewed in New York on February 3, 2026
Reasonable and adequate.
Michael
Verified Review
Wishing for lower prices and help from our agent to achieve this goal
Reviewed in New York on February 2, 2026
I wish the price of insurance was more reasonable. The cost is very high and it seems to increase every year, no matter if you have no claims, a perfect driving record, or drive a minimal amount.
Walton
Verified Review
Poor
Reviewed in New York on February 1, 2026
Far too expensive compared to others.
William
Verified Review
30 Years Loyal and LM Won't Match Offers
Reviewed in New York on January 28, 2026
I've been telling friends and coworkers that Liberty Mutual is terrible. I've been loyal for thirty years, have a clean record, and they wouldn’t match or lower my auto insurance. Oh, and my credit is excellent.
Vincent
Verified Review
Not a good company to stay with
Reviewed in New York on January 26, 2026
Good to work with at first, but then they kept raising their prices every year.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Liberty Mutual is one of the best car insurance options for drivers in New York who want a flexible, customizable policy. It offers numerous specialty coverages, including car insurance for teachers, 24-hour roadside assistance, and original parts replacement coverage. But it does have an above-average volume of customer complaints.
Pros
AM Best financial strength rating of A+ (Excellent)
Accident forgiveness available
Variety of unique coverages
Cons
Above-average number of complaints filed with the NAIC
Below-average J.D. Power customer satisfaction rating
Trustpilot rating of 1.1 out of 5
Our editorial team analyzed regional and national auto insurance companies that sell policies in New York to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in New York
Driving safely and comparing quotes are just two helpful ways you can secure quality coverage. You can utilize the following tips to find the best car insurance for your needs at an affordable price.
Keep your driving record clean
Maintaining a clean driving record is the best way to keep your car insurance rates low. Even one or two driving infractions can increase your car insurance premiums. Severe violations can even result in license suspensions, which makes finding suitable insurers more difficult in the future. Good drivers almost always pay the cheapest rates, so it pays to drive safely.
Apply for discounts
Car insurance discounts are your best friend when it comes to getting a good policy. Just about every insurance company offers various discounts, including ones for bundling policies. Consider available discounts when searching for an insurer. Even one or two discounts could make your policy more affordable.
Choose the right amount of coverage
Think about how you’ll use your car before selecting your coverage. If you don’t drive very much or have an old car not worth much, liability coverage might be sufficient. This could save you quite a bit each month. But if you drive daily in packed traffic, you should purchase full coverage.
Raise your deductible
Increasing your car insurance deductible usually lowers your monthly premium. If you can afford to pay a higher amount out of pocket in the event of a claim, it could be worth raising your deductible. Just know that you’ll be on the hook for that extra money before your insurer starts paying, so make sure you can afford it.
Compare car insurance quotes
Always compare car insurance quotes from multiple insurance companies before buying a policy. Each insurer determines premiums differently based on various driving factors like age, location, and driving history. One insurer might offer you a cheaper rate than another for the same exact policy. It pays to take the time to compare rates and companies.[2]
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Average cost of car insurance in New York
The average cost of car insurance in New York is $160 per month, compared to the national average insurance rate of $136. New York drivers pay an average of $150 per month for liability insurance and $170 for full coverage.
The average annual cost of full-coverage car insurance in New York actually decreased from December 2024 to June 2025 by about 2%. But New York is already one of the most expensive states for car insurance, so this minor decrease has little effect on the affordability of policies in the Empire State.
Best car insurance in New York FAQs
If you’re still not sure what to look for in a policy, check out this additional information about finding the best car insurance in New York.
How much is car insurance in New York?
The overall average cost of car insurance in New York is $160 per month. By coverage level, drivers pay $150 per month for liability coverage and $170 for full coverage.
What are the best car insurance companies in New York?
CSAA, Liberty Mutual, Progressive, USAA, and Travelers are the best car insurance companies in New York. Each company excels at different things, so the company that’s best for your neighbor may be different than the best insurer for you.
These companies are the best on average in New York, but every driver is unique, so it’s important to compare car insurance quotes from numerous companies before buying a policy.
What is the required auto insurance coverage amount in New York?
The required auto insurance coverage amount in New York is $25,000 in bodily injury liability per person ($50,000 for death of one person), $50,000 in bodily injury liability per accident ($100,000 for death of two or more people), $10,000 in property damage liability per accident, $50,000 in personal injury protection per accident, and uninsured motorist coverage equal to your liability coverage amounts.[3]
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Sources
- New York State Office for the Aging. "Veterans."
- Insurance Information Institute. "How to find the right auto insurance."
- New York State Department of Financial Services. "Minimum Auto Insurance Requirements Coverage."
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Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.