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In New York, auto insurance is mandatory, and the state has specific minimum coverage requirements. Here’s what you need to know:
1. Minimum Insurance Requirements in NY
New York requires drivers to carry at least:
✅ Liability Insurance:
- $25,000 per person for bodily injury ($50,000 for death).
- $50,000 per accident for bodily injury ($100,000 for death).
✅ Property Damage Liability: - $10,000 per accident (covers damage to others’ property).
✅ Personal Injury Protection (PIP): - $50,000 per person (covers medical expenses, lost wages, etc.).
✅ Uninsured Motorist Coverage: - $25,000 per person/$50,000 per accident for bodily injury.
2. Optional Coverages (Recommended)
- Collision Coverage: Pays for damages to your car, regardless of fault.
- Comprehensive Coverage: Covers theft, vandalism, and natural disasters.
- Higher Liability Limits: Protects you if you cause a serious accident.
- Gap Insurance: Helps if your car is totaled and you owe more than it’s worth.
3. No-Fault Insurance System
- New York is a no-fault state, meaning your own insurance covers medical expenses regardless of who caused the accident.
- Lawsuits for pain and suffering are only allowed in serious injury cases.
4. Average Insurance Costs in NY
- The average premium in NY is higher than the national average due to traffic congestion, weather, and claims.
- Factors affecting cost: Driving record, age, location (e.g., NYC rates are much higher than Upstate NY).
5. Best Auto Insurance Providers in NY
Some of the top-rated insurers include:
- GEICO – Affordable rates & good service.
- State Farm – Personalized service with local agents.
- Progressive – Competitive pricing with discounts.
- Allstate – Good for bundling with home insurance.
- USAA – Best for military families.
Would you like help comparing quotes based on your location and driving record?