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New York Auto Insurance Facts

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The state minimum auto insurance coverage in New York:

Liability Coverage

Minimum

Description

Bodily Injury Per Person $25,000 Each person you injured in an accident that you cause would receive $25,000, up to your policy limit.
Bodily Injury Per Accident $50,000 The maximum your insurance would pay out for an accident you caused. At state minimums, this would cover 2 people in the other car. Anything above this limit would need to be paid out of pocket.
Property Damage Per Accident $10,000 The maximum your insurance company would pay to cover damage to the other driver’s vehicle in an accident.

 

Although each state sets a minimum liability amount, it’s good practice to review coverage options with your insurance agent. State minimums may not cover you as much as you’d like in the case of a serious accident. Liability coverage does not cover damage to your car or costs from your injuries.

Uninsured/Underinsured Motorist

Minimum

Description

Bodily Injury Per Person $25,000 The maximum your insurance would pay for your injuries or your passengers injuries in the event of an accident involving an uninsured or underinsured driver.
Bodily Injury Per Accident $50,000 The maximum your insurance would pay out per accident involving an underinsured or uninsured driver.

 

Uninsured/underinsured motorist coverage is only required in some states, but it will protect you if you get into an accident with a motorist without the proper insurance coverage. Uninsured or underinsured motorists can end up costing you due to another driver’s negligence.

Personal Injury Protection (PIP)

Minimum

Per Person $50,000

 

Personal Injury Protection will help with costs beyond medical in the event of an accident. It will help pay for medical expenses, work loss, and even funeral costs.

 

Other types of auto insurance you can add to your policy are:

 

COLLISION COVERAGE

Collision coverage will help pay for damages to your car in the event that your car hits another vehicle or an object, such as a building or guard rail.

 

COMPREHENSIVE COVERAGE

Comprehensive coverage will cover damage to your car that isn’t caused by an accident, such as a vandalism or theft. It also covers fire, weather damage, and animal collisions.

 

MEDICAL PAYMENTS

Medical payments help pay for you or your passengers if they get hurt in an accident in your vehicle.

 

MAX SPEED LIMIT
65 MPH
MILES OF HIGHWAY
242,395
DUI LEGAL LIMIT
0.08
WEIRD DRIVING LAWS IN STATE

WEIRD DRIVING LAWS IN STATE

TEXTING LAWS

TEXTING LAWS

Handheld cell phone use illegal

Illegal to text and drive

MOST STOLEN VEHICLES

MOST STOLEN VEHICLES

  1. 2000 Honda Civic
  2. 1994 Honda Accord
  3. 2000 Dodge Caravan
  4. 1991 Toyota Camry
  5. 1997 Nissan Maxima
  6. 1995 Jeep Cherokee/Grand Cherokee
  7. 2005 Nissan Altima
  8. 1996 Plymouth Voyager
  9. 2007 Toyota Corolla
  10. 2002 Ford Explorer

RAINFALL
41.8
SNOWFALL
55.3
DAYS OF SNOWFALL
66.4
POPULAR CITIES

POPULAR CITIES

Syracuse
Manhattan
Brooklyn
Albany

SCENIC DRIVES

SCENIC DRIVES

Hawk’s Nest

Lakes to Locks Passage Trail

STATE PARKS

STATE PARKS

Niagara Fall State Park

Letchworth State Park

Watkins Glen State Park