New York (NY) Car Insurance Requirements (2026)
The minimum you need
- Bodily injury per person
- $25,000
- Bodily injury per accident
- $50,000
- Property damage
- $10,000
Usually written as 25/50/10.
No-fault state Your own policy pays your medical bills first, no matter who caused the crash.
What else is required
PIP (personal injury protection): Required
Required as part of the no-fault system.
Uninsured motorist: Required
Good to know
- Insurers can't use your job or education level to set your price.
Teen and new driver notes
The defensive driving discount works for any age, so a teen who takes the course can knock about 10% off, and it applies to the parent's policy too.
- Taking an approved defensive driving course (the PIRP program) gets you roughly 10% off, and every insurer has to give it.
New to all this? Start with the new driver guide.
Penalties for driving uninsured
Driving without insurance can mean fines and a suspended license and registration.
Penalty schedules change and vary by county. Confirm current fines with the New York Department of Financial Services before relying on this for a specific situation.