New York Car Insurance | USAA

New York coverage requirements and minimums

As of Jan. 1, 2022, New York law requires drivers to have a minimum of 25/50/10 coverage:

• $25,000 of bodily injury liability coverage per person.

  This helps cover expenses for injuries or deaths to other vehicles’ drivers and their passengers in accidents in which you’re found at fault.

• $50,000 of bodily injury liability coverage per accident limit.

  This is the total amount of coverage for expenses related to injuries or deaths to other vehicles’ drivers and their passengers in accidents in which you’re found at fault.

• $10,000 of property damage liability coverage.

  This coverage helps pay for damages to other people’s property, including vehicles, homes and other buildings in accidents in which you’re found at fault.

• Uninsured and Underinsured Motorist Coverage

  New York drivers must carry uninsured motorist coverage, or supplementary uninsured motorist coverage if choosing a limit greater than the 25/50 state minimum. This helps cover your expenses if you’re in an accident caused by a driver who doesn’t have enough insurance or doesn’t have enough coverage.

• $50,000 Personal Injury Protection (PIP)

  This helps cover medical expenses for you and your passengers, no matter who is at fault in an accident.

Some drivers choose to have higher limits and carry additional coverages for more protection. If you’re responsible for injuries and damage totaling more than your policy limits, you may have to pay out of pocket.

A popular coverage option is roadside assistance,See note2 which can help if you’re broken down and need a tow. Many drivers also add rental reimbursement,See note3 which helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you’re making payments to a leasing company or a lender, they may also require you to carry collision coverage and comprehensive coverage.