As of: June 2026. Plain-language guide for consumers; your policy and the law control if anything here differs.
Q. What insurance am I required to carry on my car in New York?
Every registered vehicle must carry three coverages, all from a company authorized in New York:
- Liability coverage of at least $25,000 per person / $50,000 per accident for bodily injury, $50,000 / $100,000 for death, and $10,000 for property damage.
- No-fault (Personal Injury Protection) of at least $50,000 per person.