New York

New York requires minimum liability of 25/50/10 ($25,000 bodily injury per person / $50,000 per accident / $10,000 property damage), PLUS Personal Injury Protection (PIP) of at least $50,000. New York is a no-fault state, so drivers recover medical costs from their own PIP coverage regardless of fault.

Bodily injury liability in New York pays for medical bills, lost wages, and pain-and-suffering damages owed to people YOU injure in an at-fault crash. The minimum is $25,000 per injured person and $50,000 total per accident. These are caps on what your insurer will pay; you are personally liable for damages above the policy limit.

Property damage liability in New York pays for damage YOU cause to other people's vehicles, fences, buildings, and other property. The minimum is $10,000 per accident. Given the rising cost of vehicles and repairs, this minimum often falls short of a single luxury vehicle's repair bill.

New York REQUIRES uninsured/underinsured motorist (UM/UIM) coverage on every auto policy. UM bodily injury coverage at 25/50 is mandatory. UIM (called SUM) is optional but must be offered. UM/UIM coverage protects YOU and your passengers when an at-fault driver has no insurance or insufficient limits to cover your injuries.

New York REQUIRES Personal Injury Protection (PIP) of at least $50,000. PIP pays your own medical bills, a portion of lost wages, and certain replacement services after a crash, regardless of who was at fault. PIP is the cornerstone of the state's no-fault system.

New York is a no-fault state requiring $50,000 PIP per person. Policies must also include $50,000/$100,000 wrongful-death liability. Tort actions are limited unless the injury meets the "serious injury" threshold.

Self-insurance certificates available for fleets of 25+ vehicles through the DMV. SR-22 is not used in New York; the DMV monitors compliance directly through electronic insurance reporting.

For the most current minimum auto insurance requirements in New York, consult the official source at https://www.dfs.ny.gov/. State minimums change periodically; verify current law before relying on these figures.