Affordable Car Insurance Auto Insurance in New York - Compare Rates




First of all, you need to know what is the mandatory insurance required by Law, then what more insurance coverage you need (according to your requirements), the question then arises of choosing an insurance provider out of many, and finally buying. Phew!! Lots of work.... Lot of time is spent on the decision.


This article will provide you details relating to the auto insurance requirements in New York and also what you can do if you are a high risk driver and thus probably make your insurance buying a lot easier.

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Minimum Car Insurance in New York

Even to register your vehicle in the New York, you have to provide auto insurance and you are penalized in case you are uninsured motorists.

In New York you must have:

Liability Insurance
This coverage will protect you (and anyone driving your car with your permission), against a claim by third-party, if you were negligent or at fault. Also your insurance company must provide you with a legal defense against such claims, without any change in your policy's liability limits.

The minimum limits of third-party bodily injury liability coverage are:
>> $25,000 for bodily injury, or $50,000 for any injury resulting in death, sustained by any one person in any one accident.
>> $50,000 for bodily injury to two or more persons in any one accident, or $100,000 for any injuries resulting in death sustained by two or more persons in any one accident.

Since the minimum limit for property damage liability, is $10,000 per accident, these minimum liability limits in New York are sometimes together referred to as "$25,000/$50,000/$10,000" or "25/50/10".

No-Fault-Personal Injury Protection (PIP)
No-Fault-Personal Injury Protection pays medical and lost wages as a result of injuries suffered from an accident no matter who was at fault in the accident.
>> Bodily injury coverage per person in the vehicle is $50,000 it also covers any pedestrians hurt by the vehicle.
>> $2,000 death benefit (in addition to the $50,000 basic No-Fault limit), payable to the estate of a person eligible for No-Fault benefits who is killed in a motor vehicle accident.

Uninsured Motorists
Uninsured Motorists coverage protects you from an accident taking place in New York State if the person who was found to be at fault was uninsured, or if it was a hit-and -run accident. Any vehicle damage is not protected by uninsured motorist coverage.

You can purchase higher coverage limits according to your needs and also add comprehensive and collision coverage for more protection.

Now, if you are unable to find an auto insurance company that will sell you an auto policy, the New York Automobile Insurance Plan (NYAIP), commonly known as the Auto Plan or Assigned Risk Plan is for you.

It is a special insurance plan under New York State law to guarantee that coverage is provided to one and all.

Premiums for this plan are generally higher, because the drivers covered are risky. Although drivers are eligible for a "careful driver" discount if they are accident free and conviction free for at least one year in their Auto Plan and have at least four years of experience as a licensed driver.

If, at any point of time, you find an insurer willing to cover you, you may cease your coverage with the Auto Plan insurer.

In the end, whichever type of a driver (high risk or average driver) you are, the State of New York has insurance for all.

So insure yourself, better late than never.

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