New York State Minimum Insurance Requirements

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Auto Insurance Rates by State.

New York

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Car Insurance Policy Requirements in the state of  New York

New York law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

• $10,000 for property damage for a single accident
• $25,000 for bodily injury
• $50,000 for death for a person involved in an accident
• $50,000 for bodily injury
• $100,000 for death for two or more people in an accident

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Yes. The DMV requires auto liability insurance to register a vehicle in New York. When you get insurance, your insurance company will issue proof of insurance in two ways. It will

• give you two original NY State Insurance ID Cards or provide you with access to your digital electronic NY State Insurance ID Card
• send an electronic notice of insurance coverage to the DMV (your insurance agent or broker cannot file this notice)  

Your NY State Insurance Identification Cards and the electronic notice of insurance together verify your insurance coverage. We need both. 

You must register your vehicle at the DMV within 180 days of the effective date on your insurance ID card. Bring one copy or form of your Insurance Identification Cards with you. The DMV office will keep the paper card. Keep the other paper card with the vehicle as your proof of insurance. Anyone operating your vehicle must be able to provide proof of insurance while they are operating the vehicle.

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Auto Insurance Rates by State

Learn more about the driving requirements in your state, how to find the best carrier and compare the lowest rates for your individual coverage needs.

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What Do I Need When Getting a Quote?

If you currently have insurance, we recommend you have your current Dec Page. The Dec Page has all your current information such as current coverage, pricing, and vehicle details. If you don’t have insurance, you need your car information (Make, Model, and VIN), your and all driver information (date of birth and license number), and the type of insurance you need (basic liability, full coverage, higher limits). 

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