Written by: VehiclesInformation Editorial Team · Fact-checked against: state insurance department rules and 2026 rate data (our methodology) · Last reviewed: October 2026
New York drivers pay about $218 a month for full coverage and about $145 a month for liability-only car insurance in 2026. The calculator below is set to New York and needs no name, phone, email or ZIP code.
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New York minimum car insurance
| Coverage | Minimum |
|---|---|
| Bodily injury, per person | $25,000 ($50,000 for death) |
| Bodily injury, per accident | $50,000 ($100,000 for death) |
| Property damage | $10,000 |
| Personal injury protection (no-fault) | $50,000 |
| Uninsured motorist | $25,000 / $50,000 |
New York’s minimums are more complete than most states because PIP and uninsured motorist cover are required, which is one reason prices are higher.
How no-fault works in New York
After a crash, your own PIP pays medical bills and lost wages up to $50,000, whoever caused it. You can sue the other driver only for a serious injury as defined by state law.
Why New York car insurance is expensive
- Dense traffic in New York City and its suburbs.
- Required $50,000 PIP and uninsured motorist cover.
- High medical and repair costs.
- Higher rates of claims, theft and fraud in some areas. Drivers in Brooklyn, the Bronx and Queens often pay far more than upstate drivers.
How to pay less in New York
- Take a DMV-approved defensive driving course (PIRP). It cuts your base rate for liability, collision and no-fault by 10% for three years.
- Compare at least three insurers. Upstate and downstate prices vary widely.
- Raise your deductible.
- Install anti-theft devices for a required discount on comprehensive.
- Bundle with renters or home insurance.
Compare New York with other states on our car insurance calculator by state.
Frequently asked questions
How much is car insurance in New York per month?
About $218 for full coverage and $145 for liability-only on average in 2026.
What is the minimum car insurance in New York?
25/50/10 liability, $50,000 PIP and 25/50 uninsured motorist cover.
Is New York a no-fault state?
Yes. Your own PIP pays your medical bills first.
Does a defensive driving course lower insurance in New York?
Yes, by 10% on key coverages for three years.
About our numbers
Prices on this page are estimates for U.S. drivers, built from 2025–2026 published rate studies (including Insurify, CarInsurance.com, The Zebra and state insurance department rules) and our own pricing model. Percentages for age, tickets, accidents, DUI, credit and vehicle type are our model estimates, not quotes. Your insurer, ZIP code and history will change your price. Read how we estimate car insurance costs.
Written by the VehiclesInformation editorial team. Checked against state insurance rules and 2025–2026 rate data. Last updated October 2026. This is general information, not insurance or legal advice.
VehiclesInformation Editorial Team
The VehiclesInformation Editorial Team researches and writes our car and car insurance guides for U.S. drivers. Insurance figures are checked against state insurance department rules and published 2026 rate studies, and pages are updated when laws or rates change. Read how we estimate car insurance costs.