Car Insurance in New York

Auto Insurance Quotes in New York

New York driving Car insurance in New York is essential for every driver, ensuring protection on the bustling city streets and quiet country roads alike. Whether you're commuting in New York City or exploring the scenic routes upstate, having the right coverage is key to safeguarding yourself and your vehicle.

In this guide, we'll cover the basics of car insurance requirements in New York to help you make informed decisions about your auto policy.

Learn more about the car insurance requirements in NY and see how much you could save with a free auto insurance quote from GEICO today!

How to Save Money on New York Car Insurance

There are several NY premium reductions and discounts available that could save you money on GEICO car insurance.

New York Good Driver Discount

Available to policyholders if:

At least one of the main drivers on the policy has 5 years of driving experience
All covered drivers have been accident-free for 5 years leading up to the policy issue date, and
No drivers have any points assigned

This discount applies to bodily injury, property damage, collision, and personal injury protection coverages.

Good Student Discount

Policyholders could qualify for this discount if a driver on the policy is between 16 and 24 years old and is a full-time home school, high school, or college student that has earned a minimum grade average of B or its equivalent.

Multi-Policy Discount

We love saving you money. New York residents who have more than 1 policy provided by GEICO or the GEICO Insurance Agency could get a discount on their New York car insurance premium. Examples include:

Auto and renters
Auto and homeowners
Auto and motorcycle
Auto and boat

Accident Prevention Course Credit

We also love to reward safe drivers. You could receive a premium reduction on your New York car insurance by taking a state-approved Accident Prevention Course.

New York Car Insurance Laws

Understanding No-Fault Car Insurance in New York

New York traffic In the event of an accident, No-Fault auto insurance helps covered drivers and passengers get back on their feet by paying the insured's medical bills, regardless of who was at fault. Financial costs are paid through the insureds' personal injury protection (PIP) coverage, which New York's No-Fault Law requires all drivers to carry.

Personal Injury Protection in NY offers the following benefits if an insured is in an accident:

Medical and rehabilitation expenses
A portion of lost work earnings for up to 3 years
Death benefits
Other household expenses

Learn more about New York auto insurance requirements.

Car Insurance Coverage Requirements in New York

If your car is registered with the NY Department of Motor Vehicles, your insurance must meet the following New York liability coverage minimums:

Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $10,000 per accident
Uninsured/underinsured bodily injury coverage: $25,000 per person and $50,000 per accident
Personal injury protection: $50,000

While these are the minimum coverages New York requires you to have, many drivers may choose to carry higher limits of liability and have additional coverages to protect their vehicles.

Everyone's insurance needs are different. Visit our Coverage Calculator to get a personalized recommendation.

Penalties for Driving Without Insurance in New York

Driving without insurance in New York can lead to severe consequences, including hefty fines ranging from $150 to $1,500, potential imprisonment for up to 15 days, or both. The state DMV also has the authority to impound the vehicle and revoke both the vehicle registration and the driver's license. Drivers may face civil penalties of $750 to reinstate a revoked driver's license.

These penalties highlight the legal and financial risks associated with driving uninsured in New York, emphasizing the importance of maintaining proper insurance coverage to ensure personal and financial security while on the road.

Additional New York Auto Insurance Coverage to Consider

Collision Coverage

Collision coverage helps cover the cost of repairing or replacing your vehicle if it's damaged in an accident, regardless of fault. It is typically required for leased or financed vehicles to protect the financial interests of the companies backing them.

Comprehensive Coverage

Comprehensive coverage helps cover damage to your vehicle caused by events other than a collision, such as theft, vandalism, natural disasters, or hitting an animal.

Easy Windshield Replacement

$0 Glass Deductible - If you carry comprehensive coverage, you have the option of adding no deductible glass coverage. If you have a covered glass claim with this coverage, you won't have any out-of-pocket expenses.