About New York Car Insurance Requirements

New York requires all drivers to carry minimum liability coverage: $25,000 bodily injury per person, $50,000 per accident, and $10,000 property damage. The state also mandates $25,000 per person and $50,000 per accident in personal injury protection, plus $25,000 per person and $50,000 per accident in uninsured motorist coverage. Most drivers find these requirements confusing, and comparing rates across carriers takes hours. We built this site to solve both problems. You get clear explanations of what New York law actually requires, what optional coverages add, and how violations like lapses or DUIs affect your rates. When you're ready to compare, you submit one request and licensed agents in your area compete for your business. We're compensated by the agents, not by you — the service is free. We don't sell insurance directly. We don't favor one carrier over another. Our job is to explain the requirements accurately and connect you with agents who can quote your specific situation.

You start by reading the coverage explanations and requirement breakdowns on the site. Every page cites New York DMV rules, state insurance regulations, and verified carrier data. When you're ready to compare rates, you fill out a request form with your vehicle, coverage preferences, and driving history. Your request goes to licensed insurance agents in your ZIP code. They review your information and contact you with quotes tailored to your situation. You're not obligated to accept any quote — you compare offers, ask questions, and choose the agent and carrier that fit your needs. Agents compete for your business, which keeps rates competitive. We're paid by the agents when you select one of them. You never pay us directly. Your information is shared only with licensed agents who agree to our terms — we don't sell your data to third parties or use it for unrelated marketing.

Every state requirement, coverage definition, and rate estimate on this site is sourced from verifiable data: New York DMV regulations, New York Department of Financial Services filings, NAIC reports, and published carrier rate sheets. We do not invent statutory citations, fabricate discount programs, or present unverifiable claims as fact. When rate estimates appear, we disclose the basis and variability: "Estimates based on available industry data; individual rates vary by driving history, vehicle, coverage selections, and location." When a requirement is state-mandated, we cite the regulation or statute. When a detail varies by carrier or county, we say so. Content is reviewed and updated regularly to reflect changes in New York insurance law, carrier offerings, and DMV procedures. If you find an error or outdated information, contact us — we correct it immediately.