Car Insurance in New York

New York has a more complex minimum level of coverage than some other states. Here’s how this will affect your insurance rates.
Compare New York rates with Jerry
Car Insurance in New York

New York Insurance Coverage

New York State mandates that drivers carry a minimum level of coverage that is more complex than some other states.

  • $10,000 for property damage per accident.
  • $25,000 for bodily injury and $50,000 for harm resulting in death per accident.
  • $50,000 for bodily injury and $100,000 for death of two or more people in an accident.

Uninsured and underinsured motorist bodily injury (UM/UIM) of:

  • $25,000 per person per accident. 
  • $50,000 per accident to protect against injuries caused by uninsured or hit-and-run drivers.

Personal injury projection (PIP) of:

  • $50,000 per person, regardless of fault, to cover medical expenses, lost earnings and other damages.

Typically, the more coverage, the more expensive the premium, and couple that with over 8 million people packed into New York City — the largest city in the United States — and insurance bills may get expensive.

Find affordable car insurance in minutes.

Check out recent quotes Jerry customers have gotten for car insurance in New York.

Date of Policy
Insurance Company
Monthly Quote
May 26, 2025 Bristol West $1,098
May 25, 2025 Progressive $141
May 25, 2025 Progressive $630
May 25, 2025 Bristol West $989
May 25, 2025 Bristol West $2,250
Last Updated May 27, 2025
Best Car Insurance Companies in 2025
FEATURED
Best Car Insurance Companies in 2025
Compare the top car insurance companies of 2025. Get multiple quotes to find the best coverage.
Annie Millerbernd, Apr 18, 2025