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
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
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.
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.
Uninsured Motorist Rate in NY
The uninsured motorist rate in NY ranked 49th in the nation in 2009.
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.
Motorcycle Helmet Laws in NY
Motorcycle helmets required for all riders.
Driver's License Renewal Cycle in NY
Renewal cycle: 8 years
New York Auto & Driver Facts
New York Automotive Facts
Speed Limits in NY
Rural interstates: 65 mph
[ 7] Urban interstates: 65 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in NY
New York cities collectively ranked 4th in the nation in total motor fuel consumption in 2011.
New York Licensed Drivers
Licensed Drivers in NY [ 10]
Total Drivers: 11,210,783
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.
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?
Driving while talking on a hand-held cell phone is currently prohibited in in 11 states and the District of Columbia.
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