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New-York

New York Car Insurance Rates


New York drivers get off comparatively easy, with state car insurance rates that stack up well against the rest of the nation. But the five boroughs are another story. Staten Island is cheap only compared with Manhattan, and Manhattan looks good only compared with Brooklyn, where rates for our sample driver topped $4,000 a year. We've got every ZIP in New York mapped out below.

New York car insurance requirements

New York state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $10,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000
Personal injury protection $50,000 limit

New York Car Insurance Rates by ZIP Code & City

To learn more about the most and least expensive cities for car insurance, click the link below.
Top Cities
Car insurance rate comparison >
Priciest Neighborhoods
In New York
  • 11233: $4,133
    BROOKLYN
  • 11225: $4,133
    BROOKLYN
  • 11221: $4,133
    BROOKLYN
  • 11236: $4,122
    BROOKLYN
 
Cheapest Neighborhoods
In New York
  • 14580: $861
    IRONDEQUOIT
  • 14450: $863
    EAST ROCHESTER
  • 14526: $863
    EAST ROCHESTER
  • 14625: $863
    BRIGHTON


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What you need to know about car insurance in New York

Penny Gusner
CarInsurance.com
Consumer Analyst

Minimum auto insurance coverage requirements for New York are $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $10,000 for property damage.

The minimums may be fine if you don't have many assets or live in a rural area where accidents are less likely, but if you live in a metropolitan area, such as New York City, or have many assets to safeguard, bump your limits up to 100/300/50 or more.

Uninsured motorist bodily injury is also required as part of a New York auto insurance policy. New York also mandates motorists to carry at least $50,000 in personal injury protection (PIP), sometimes referred to as no-fault insurance.

No-fault doesn't mean that no one is found at fault for an accident, but instead that someone who is injured in an accident looks first to his or her own coverage. If PIP limits are exceeded, then the at-fault driver's liability coverage can kick in.

Basic no-fault: PIP coverage includes:

  • Reasonable and necessary medical and rehabilitation expenses
  • 80 percent of lost earnings (up to maximum of $2,000 per month for three years)
  • Up to $25 per day for replacement services (e.g. household help)
  • Death benefit of $2,000

    Exclusion to no-fault coverages: Most New York car insurance policies say that a person may be ineligible for PIP benefits if the individual was:

    • Driving while intoxicated or impaired by drugs and that contributed to the accident
    • Riding an all-terrain vehicle (ATV) or motorcycle as driver or passenger
    • Intentionally causing his or her own injuries
    • Injured while committing a felony
    • Injured while in a stolen vehicle
    • An owner of an uninsured vehicle

    Surcharges: If you cause a car accident, New York law says your insurer can raise your rates (known as a surcharge) only if you caused bodily injury or property damage that was more than $2,000. You can also be surcharged if you're convicted of certain traffic violations. As in any state, keeping your driving record clean will go a long way toward holding down your car insurance rates.