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New York Car Insurance Resources

New York Car Insurance

Car Insurance Rates in NY

^ From 2006 to 2010, New York cities had the 4th highest auto insurance rates in the nation. [2]

Car Insurance in NY by City

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Cars Insured in NY

^ New York ranked 4th of all U.S. states in total auto insurance policies in 2011. [1]

NY Car Insurance

Car Insurance in New York

Car Insurance Liability Requirements in New York

  • Minimum Liability Limits in NY: 25/50/10 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 10  Required coverage up to $10,000 for property damage in an accident
    • Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums.
    • Note: In addition, policyholders must have $50,000/$100,000 for wrongful death coverage.

Required Car Insurance Coverage in New York

Required Car Insurance Coverage in New York
  • Auto Insurance Coverage Requirements in NY [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in New York

  • Insurer Verification of Auto Insurance in NY [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

New York Car Insurance Facts, Estimates & Related Laws

New York Car Insurance Facts

New York Car Insurance Facts, Estimates & Related Laws
  • Average Car Insurance Rates in NY
    • New York had the 4th highest auto insurance rates in the nation in 2010. [2]
    • Rates in NY ranked 4th in the nation in 2009. [2]
    • In 2008, NY had the 5th highest rates in the country. [2]
  • Number of Auto Insurance Policies in NY
    • New York ranked 4th in the nation in auto insurance policies in 2011 with a total of 9,358,429. [1]
  • Uninsured Motorist Rate in NY
    • The uninsured motorist rate in NY ranked 49th in the nation in 2009. [3]

New York Distracted Driving Laws

  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense.
    • Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.

New York Automotive Laws

  • Safety Belt Laws in NY
    • Safety belt laws have been in place since 1984 and apply to drivers/passengers 16+ years in front seat. [7]
    • Child restraint law in place for 3 and younger unless more than 40 pounds and are seated where there is no available lap/shoulder belt; 4 - 7 years unless they are seated where there is no available lap/shoulder belt. [7]
  • Motorcycle Helmet Laws in NY
    • Motorcycle helmets required for all riders. [7]
  • Driver's License Renewal Cycle in NY
    • Renewal cycle: 8 years [7]

New York Auto & Driver Facts

New York Automotive Facts

New York Auto & Driver Facts
  • Speed Limits in NY
    • Rural interstates: 65 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in NY
    • New York cities collectively ranked 4th in the nation in total motor fuel consumption in 2011. [9]

New York Licensed Drivers

  • Licensed Drivers in NY [10]
    • Total Drivers: 11,210,783
    • Female: 5,438,554
    • Male: 5,772,229
    • NY has the 4th most drivers in the U.S.
  • Minimum Driving Age in NY [5]
    • New York has a minimum driving age of 16 years.

New York Auto Registrations

  • Auto Registrations in NY [8]
    • Registered Cars: 5,866,664
    • Registered Trucks: 4,169,695
    • Registered Motorcycles: 345,855
    • Total Registrations: 10,430,559
    • Rank: New York ranked 5th in the United States in total auto registrations in 2011.

Additional information about New York

About New York

New York has a population of approximately 19,378,102, which ranks 3rd in the U.S. among all states. [6]

NY Car Insurance

More about New York auto insurance

For more information about auto insurance in NY, or for additional resources regarding New York car insurance, visit the New York Department of Insurance.

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Insurance Institute for Highway Safety (IIHS)

6. ^ United States Census Bureau

7. ^ IIHS & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ U.S. Department of Transportation

10. ^ Federal Highway Administration

New York Cities