All Motor Vehicle Self-Insurers and Insurers Writing Motor Vehicle Insurance in New York 2025

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Since New York is a no-fault state, insurance companies require drivers to carry Personal Injury Protection (PIP), also referred to as No-Fault Coverage. PIP will cover medical expenses, lost wages, and other necessary expenses related to injuries for yourself and your passengers, regardless of who was at fault.
Insurance Liability Coverage in New York State You must have New York State-issued automobile liability insurance coverage to register a vehicle in New York State. If you do not maintain coverage, DMV can suspend your vehicle registration and your driver license.
NY State Minimum Auto Insurance Coverage Minimum Requirements. New York state law requires that you carry Bodily Injury Liability limits of at least $25,000 per-person and $50,000 per-accident. The Property Damage liability limit is required to cover at least $10,000.
In August 2023, New York passed a new insurance law that requires insurers to include supplemental spousal liability coverage in all policies unless the policyholder declines it in writing.
2023-A3172 - Summary Provides that an automobile insurer may waive the inspection of a private passenger automobile prior to providing physical damage coverage.
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The fee collected by New York State is supposed to go toward fighting car thefts and fraud.
NY Car Insurance Follows the Car In New York, your car insurance coverage includes coverage for other drivers of your vehiclefollowing the car rather than the driver.

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