New York Car Insurance
Are you shopping for car insurance in New York? We want to help you build the policy that works best for you and your life. Stay informed on important information about car insurance minimum coverage requirements and available discounts in New York. Scroll below to learn more about car insurance or find other insurance products offered in New York.
What is the average cost of car insurance in New York?
New York drivers paid an average of $1,896 a year for full coverage (liability, collision and comprehensive) in 2023, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). That’s more than what drivers nationwide paid — an average of $1,438 per year for coverage, the NAIC report shows. Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history and the car you drive.
New York auto insurance minimum coverage requirements
Below are the required car coverage amounts in New York. Keep in mind that these are state minimums, not the actual amounts you may want. Your local Farmers agent can help as you select the right level of coverage for your needs.
COVERAGE TYPE
NEW YORK REQUIREMENTS
Bodily injury
$25,000 per person; $50,000 per accident
Property damage
$10,000 per accident
Uninsured / Underinsured motorist bodily injury
$25,000 per person; $50,000 per accident
Personal injury protection
$50,000 per accident
COVERAGE TYPE
Bodily injury
NEW YORK REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Property damage
NEW YORK REQUIREMENTS
$10,000 per accident
COVERAGE TYPE
Uninsured / Underinsured motorist bodily injury
NEW YORK REQUIREMENTS
$25,000 per person; $50,000 per accident
COVERAGE TYPE
Personal injury protection
NEW YORK REQUIREMENTS
$50,000 per accident
New York auto insurance discounts
Farmers offers a variety of discounts for our car insurance customers based in New York. For example:
Multi-vehicle
Youthful driver
Multi-policy
See a list of potential auto insurance discounts. Not all listed discounts are available in New York.
View more coverage options in New York
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