State guide
Insurance in New York
Required coverage, penalties, official contacts and sources for New York, reviewed 2026-10.
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Car insurance
What New York requires.
Liability 25/50/10 plus no-fault. Claims system: no-fault.
| Coverage | Requirement in New York |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident (death: $50,000 / $100,000) |
| Property damage liability | $10,000 per accident |
| Injury protection | Personal injury protection (no-fault): $50,000 required |
| Uninsured / underinsured motorist | Required, same minimums: $25,000 / $50,000 |
Required coverage
- Bodily injury: $25,000 for one person and $50,000 for two or more people
- Death: $50,000 for one person and $100,000 for two or more people
- Property damage: $10,000 per accident
- Personal injury protection (no-fault): $50,000
- Uninsured motorist protection under the same minimums as bodily injury
Other coverage commonly available
- Collision
- Comprehensive
- Higher liability limits
- Supplementary uninsured/underinsured motorist coverage
If you drive without required coverage
If you do not maintain coverage, the DMV can suspend your vehicle registration and your driver license.
Notices
What to know in New York.
- The New York DMV does not accept out-of-state insurance for a vehicle registered in New York. Coverage must come from a company licensed by the Department of Financial Services and certified by the DMV.
- Your insurance and registration must show exactly the same name. A mismatch can lead to suspension.
- Liability coverage must stay in effect while the registration is valid, even if you do not use the vehicle. Turn in your plates before coverage ends if you plan to cancel.
- The DMV does not provide rate information. The Department of Financial Services supervises insurers.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Home insurance
Official homeowner and flood resources
- The Department of Financial Services publishes consumer resources for homeowners and tenants and for disaster and flood recovery.
- Standard homeowners policies typically exclude flood. Flood coverage is bought separately, including through the National Flood Insurance Program.
Health insurance
NY State of Health
NY State of Health (state-based marketplace)
- New York runs its own marketplace, NY State of Health. State marketplaces can set their own enrollment dates, so confirm them on the marketplace site.
Contacts
Who to contact.
- New York State Department of Financial Services
- Website: dfs.ny.gov
- Contact page
- NAIC directory of state insurance departments
Sources
Where this summary comes from.
Reviewed 2026-10. Check each source for the current rule.
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