Auto Insurance in New York
Everything you need to know about auto insurance rates, requirements, and savings in New York.
Average Annual Costs
$1,750
Typical range: $1,400 - $2,100
Minimum Liability Requirements
$25,000/$50,000/$10,000
Format: Bodily injury per person / Bodily injury per accident / Property damage
Fault System
no-fault
In no-fault states, your own insurance covers your medical expenses and damages regardless of who caused the accident.
Factors Affecting Your Rates in New York
- Driving record and accident history
- Age and gender
- Credit score
- Vehicle type and safety features
- Annual mileage
- Coverage limits selected
- Deductible amount
Ways to Save on Insurance in New York
- Choose a higher deductible for personal injury protection
- Bundle policies for discounts
- Maintain good credit
- Opt out of unlimited medical coverage if allowed
- Ask about accident forgiveness programs
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