Car-insurance requirements in New York (2026)
New York requires 25/50/10 in the usual shorthand and, uniquely, carries a separate and higher limit pair where the accident causes death.
- Minimum liability limits
- 25/50/10
- Fault system
- No-fault
- Tort threshold
- verbal
- Restricted rating factors
- none found
What the statute requires
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $25,000 | required | N.Y. Veh. & Traf. Law §311(4)(a) |
| Bodily injury liability, per accident | $50,000 | required | N.Y. Veh. & Traf. Law §311(4)(a) |
| Property damage liability | $10,000 | required | N.Y. Veh. & Traf. Law §311(4)(a) |
| Bodily injury liability where the accident causes death A separate, higher limit pair applies where the accident causes death. | $50,000 per person / $100,000 per accident | required | N.Y. Veh. & Traf. Law §311(4)(a) |
Source of record: the legislature’s own statute text, corroborated against the state insurance department or motor-vehicle agency. Verification status: primary text confirmed.
The part most published tables get wrong
A three-number schema silently loses the death overlay, which is why this site models it as its own field and the coverage gap calculator offers it as a separate basis to measure against. New York also mandates substantial personal-injury protection and applies a verbal tort threshold.
How old is this minimum?
Our committed statutory record for New York does not carry the date its current limits took effect, so no real-terms restatement is shown. We will not deflate from a year we have not read in the statute or its enacting bill. The limits themselves are confirmed against primary text; only the commencement date is missing.
What the property-damage minimum leaves exposed
A $42,000 property-damage claim against New York’s minimum of $10,000 leaves $32,000 above the limit. That difference is the at-fault driver’s own exposure. The claim figure is an illustration; the limit is the statute.
Rating rules in New York
| Factor | Status | Authority |
|---|---|---|
| Credit information | No restriction found | — |
| Gender | No restriction found | — |
| ZIP code | No restriction found | — |
| Rating territory | No restriction found | — |
| Age | No restriction found | — |
| Marital status | No restriction found | — |
| Occupation | No restriction found | — |
| Education | No restriction found | — |
The same factor across every jurisdiction: credit-based rating by state, gender rating by state, age rating by state, marital-status rating by state, occupation and education rating by state, zip code and territory rating by state.
Premium data for New York
No regulator-published premium data exists for New York
New York’s insurance department does not publish a per-insurer premium comparison, so this site shows no premium figures for New York at all. We will not substitute a figure from a quote engine, a trade body or a national aggregate: none of those is a published record of what insurers filed in New York.
Coverage requirement checker
Pick a jurisdiction to see every coverage its statute requires, with the amount, the citation and whether it can be rejected.
New York — minimum limits 25/50/10
| Coverage | Amount | Status | Citation |
|---|---|---|---|
| Bodily injury liability, per person | $25,000 | required | N.Y. Veh. & Traf. Law §311(4)(a) |
| Bodily injury liability, per accident | $50,000 | required | N.Y. Veh. & Traf. Law §311(4)(a) |
| Property damage liability | $10,000 | required | N.Y. Veh. & Traf. Law §311(4)(a) |
| Bodily injury liability where the accident causes death A separate, higher limit pair applies where the accident causes death. | $50,000 per person / $100,000 per accident | required | N.Y. Veh. & Traf. Law §311(4)(a) |
Fault system: No-fault — verbal threshold (N.Y. Ins. Law §5102(d)).
General information, not insurance, financial or legal advice. Requirements change; verify with your state insurance department or the statute before acting.
Questions about New York
- What is the minimum car insurance required in New York?
- New York requires liability limits of 25/50/10 under N.Y. Veh. & Traf. Law §311(4)(a).
- Is New York a no-fault state?
- New York operates no-fault with a verbal tort threshold.
- What does car insurance cost in New York?
- No regulator publishes premium data for New York, so this site shows no premium figures for New York. We do not substitute a figure from a quote engine or a national aggregate.
Statutory records for New York last verified against primary sources on 10 August 2026. Price level for the real-terms restatement: June 2026, all-items index 333.952. Every figure on this page is recomputed from committed data at build time.