Skip to main content

What are the New York State Requirements for Car Insurance?

new york state requirements for car insurance

Trying to understand the New York State requirements for car insurance?

We get this question often. Here are the basic requirements you should definitely understand:

1) Car insurance is mandatory in New York State if you plan on registering the car in New York.

New York State requires a minimum:

2)  At-fault liability limit of $25,000 per person, $50,000 per accident.

3) Personal Injury Protection limit of $50,000.

4) Uninsured/Underinsured liability limit of $25,000 per person, $50,000 per accident.

Watch this short video for the entire explanation:

If you want to watch this video on YouTube, you can do so here. I encourage you to subscribe on YouTube so that you never miss a new episode.

This video is part of an ongoing series dedicated to helping consumers get answers to their insurance questions. If you’d like to follow along on YouTube, connect below:

If you have questions about your insurance program or if you would like to receive a proposal for auto insurance or home insurance, please give us a call at 518-777-7777 or email us at You can also click here to contact us through our website.

We’re here to help you find peace of mind.

Thank you and good luck,

Ryan Hanley, CIC

[wpseo_address show_state=”1″ show_phone=”1″ show_opening_hours=”1″]