What are New York’s auto insurance requirements?
Car insurance is required for all New York drivers. If you’re a New Yorker, you’re required to carry liability coverage limits of at least:
- $25,000 in bodily injury per person
- $50,000 in total bodily injury per accident
- $10,000 in property damage per accident
You can raise your coverage limits beyond New York’s requirements to cover your total net worth, ensuring your assets are protected. Learn more about auto liability coverage.
The Empire State also mandates personal injury protection (PIP), uninsured motorist (UM) coverage, and requires your insurer to offer supplementary uninsured/underinsured motorists coverage (SUM), with the following minimum limits:
- PIP: $50,000
- UM: $25,000 per person, $50,000 per accident
- SUM: You have the option to purchase SUM at limits up to the bodily injury limits you carry, or reject this coverage with a signed waiver
Personal injury protection, or PIP, covers your medical costs, plus lost wages and death benefits, and can pay out even if you’re at fault. Uninsured motorist coverage covers medical expenses for you and your passengers if you’re hit by a driver with no insurance if the accident occurs in the state of New York. SUM provides additional coverage and applies to accidents that occur in and out of the state of New York.