The Empire State

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New York Auto Insurance Coverage

Home to the Statue of Liberty, bustling cities, and scenic landscapes, there's a lot to love about New York. But, whether you're new to the area or have deep roots in the Empire State, it's important to know the auto insurance requirements in New York. 

Required Auto Insurance in New York

New York requires all drivers to have liability insurance for both property damage and bodily injury, which pays for any damage or injuries caused by an accident in which you were at fault. New York requires the following minimum liability coverage:

  • Bodily Injury: $25,000 per person and $50,000 per accident.
  • Property Damage: $10,000 per accident.
  • Uninsured/Underinsured Bodily Injury: $25,000 per person and $50,000 per accident.
  • Personal Injury Protection: $50,000.

New York Teen Driving Laws

New York operates under a Graduated Driver's License (GDL) program, which includes three stages: Instructional Permit, Junior License, and Full Driver's License. 

  • Instructional Permit: At 16, New York teens may apply for an Instructional Permit. An Instructional Permit allows teens to drive with a parent, legal guardian, licensed driver over 21, or a certified driving instructor. Teens must complete 50 hours of supervised driving practice (10 hours at night) to move on to the next stage.
  • Junior License: At 16 and a half, teen drivers may apply for their Junior License after completing their required driving practice, enrolling in a pre-licensing course, and passing a road skills test. With a Junior License, teens cannot drive unsupervised between 9:00 PM and 5:00 AM.
  • Full License: At 18, teens with a Junior License will automatically receive a Full Unrestricted License if they have had no prior traffic violations.

Please be aware of additional restrictions for teen drivers in New York.

New York Auto Insurance Discounts

Looking to save? You may qualify for one or more auto insurance discounts available to drivers in New York. Some examples of common discounts include:

  • Safe driver
  • Good student
  • Installed anti-theft systems
  • Multi-vehicle
  • Accident-free
  • Multi-policy




Read more about potential discounts by visiting our auto insurance discounts page.

Optional Coverage in New York

No law in New York states that you must settle for the state's minimum auto insurance requirements. You can always expand your coverage by purchasing optional insurance policies that cover a broader range of expenses and situations.

Start your New York auto insurance quote online, or by calling (888) 772-4247.

Learn More About New York

A sign that reads New York in blue and pink colors
About New York

New York became America's 11th state in 1788. Originally one of the first 13 colonies, New York is home to one of the most famous cities across the globe: New York City.