Anamarie Waite, Car Insurance Writer
@anamarie.waite
New York is a no-fault state, which means drivers use their own PIP coverage for their injuries, regardless of fault. Drivers in New York are required to carry at least $25,000 in bodily injury liability insurance per person ($50,000 per accident) and $10,000 in property damage liability insurance. These types of insurance cover other people's injuries and property damage from an accident you cause.
There are restrictions on the right to sue after an accident in no-fault states. In New York, you can only sue the at-fault driver if the injuries are considered 'serious' (such as dismemberment, death, significant disfigurement), or the injuries prevent you from being able to substantially perform your daily activities for 90+ days of the 180 days following the accident. New York also requires uninsured motorist coverage, which replaces the liability coverage another driver should have had and pays for your costs up to your policy limits.
Average Cost of Car Insurance in New York
Minimum coverage in New York costs $3,052 per year, on average, but there are many factors that can affect how much you pay for a policy.
Any coverage above and beyond what is required by New York law is optional and will cost extra, but it's usually worth the money to get some additional protection. For one thing, state minimum coverage doesn't always protect your vehicle. You'll need full coverage for that.
Full Coverage Car Insurance in New York
Full coverage refers to a policy that includes collision and comprehensive insurance, plus the coverage required by New York law. Full coverage car insurance costs an average of $7,502 per year in New York.
There may be cases when you don't need full coverage insurance, but New York drivers should buy as much coverage as they can afford as a general rule.
How to Find the Best Car Insurance in New York
You can easily get a quote from the top auto insurance companies online or over the phone. You can also use WalletHub's comparison tools to find the best car insurance policy for your needs.
The best car insurance companies in New York balance affordability with quality coverage and strong customer service. Policies may offer coverage for six months or one year at a time, and you can pay monthly or in full up front.
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