New York Car Insurance

Although many Big Apple residents forego the luxury of a personal vehicle in favor of more commuter-friendly modes of transportation like the bus or subway, the vast majority of New York is comprised of rural farmland where automobiles are required for getting around efficiently, and car insurance is a necessity. This Simple Dollar guide to car coverage in the Empire State includes average premiums and deductibles, repair costs, insurance providers, and other essential information to help you stay safe on the road.




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Stats in Your State

When it comes to car insurance premiums, are New York drivers paying less or more than the national average? How does the number of traffic accidents stack up against the other Northeast states? We've consulted some of the country's leading number-crunchers to bring you this extensive list of New York car insurance statistics.

Auto Insurance Premiums

New Yorkers pay hundreds of dollars more for car premiums than the average car owner nationwide. However, they still fork over less for monthly coverage than residents of nearby New Jersey, while insurance costs in other Northeast states like Pennsylvania, Massachusetts, and Rhode Island are on par with New York's.

Traffic Fatalities over time

Vehicular deaths occur much more frequently in New York than most other states; only six other states record more traffic fatalities on an annual basis. However, the number of deaths has steadily decreased during the last 15 years; nearly 1,700 New York drivers died on the road in 1998, compared to the 1,169 driving fatalities that occurred two years ago.

Auto Repair Costs

Considering the relatively high cost of insurance premiums in New York, the state's typical auto repair costs are somewhat low. In 2010, New Yorkers paid $370.98 for parts and labor, roughly $15 higher than the average U.S. car owner. The following year, repair costs in the state fell to $338.40, a difference of less than $5 from the national average.

Rules in Your State

In order to stay safe on the road, New York residents should have a solid understanding of the state's driving laws and regulations. This section discusses obtaining a license, penalties for driving under the influence, and other important aspects of owning and operating an automobile in New York.

Minimum Car Insurance Requirements in New York

New York’s DMV states the following insurance and proof of insurance requirements:

  • $25,000/50,000 for injury
  • $50,000/100,000 for death
  • $10,000 for property damage

Required Proof of Insurance

  • Name of insurance company
  • Insurance policy number and expiration date
  • Year, make/model, and vehicle identification number of registered vehicle

New York Licensing Facts for Teen Drivers: The Graduated Driver License

New York drivers must wait until the age of 16 before obtaining a learner’s permit. However, those who successfully fulfill the state’s driver’s education requirements may procure a full license as early as their seventeenth birthday; otherwise, drivers must wait until they reach the age of 18. Please read below for more details.

  • Hardship License for Minors? No
  • Learner’s Permit Age: 16 years
  • Restricted License Age: 16 years, 6 months
  • Full License (Unrestricted) Age: 17 years with driver’s education (18 years without)


Administrative license suspension 1st offense? Varies; in New York, driver's license suspensions remain in place until the prosecution is concluded
Restore driving privileges during suspension? Varies; the driver must demonstrate 'special hardship' in order to retain privileges during suspension.
Are ignition interlocks mandatory for first offenders for the following offenses? Yes
Are ignition interlocks mandatory for repeat offenders for the following offenses? yes
Fine for first offense? $500 - $1,000
Jail sentence for first offense? Up to 1 year

Representatives & Resources in Your State

New York Auto Insurance Plan
AIPSO – New York Region
22 Cortlandt Street Suite 1500
New York, NY 10007-3151
(212) 943-5100
The NYAIP requires all insurers in the state of New York to provide “auto liability and physical damages coverage” to individuals who are unable to obtain insurance voluntarily.

New York Department of Financial Services (Auto Insurance)
One State Street
New York, NY 10004-1511
Get Directions
Auto insurance matters (as well as other insurance concerns) in New York are handled by the state’s Department of Financial Services. The following resources from the NYDFS may be helpful.
2012 Consumer Guide to Automobile Insurance
2012 Ranking of Automobile Insurance Complaints
How to File a Complaint

New York Department of Motor Vehicles
Contact the NYSDMV to learn about all the rules and regulations (not to mention fees) concerning driver permits and licensure in the Empire State.

New York Department of Transportation
50 Wolf Road
Albany, NY 12232
Get Directions
(518) 457-6195
The New York D.O.T. provides information about state driving laws, public transportation options, roadside assistance services, and other resources for drivers and riders.