New York
- ~$65–$85
- ~$180–$220
- $25K/$50K/$10K
New York features a diverse driving environment with high urban density in NYC and rural areas upstate. Insurance rates are higher in urban centers due to congestion and accident frequency. The state mandates no-fault insurance with personal injury protection (PIP).
Find a local Auto Insurance agents in your town:
New York Auto Insurance Facts *
Drivers
- ~10.5–10.8 million licensed drivers as of 2023.
- ~85% vehicle ownership statewide, with lower ownership in NYC.
- Uninsured motorist rate around 10%.
- Extensive public transportation in NYC reduces reliance on personal vehicles.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~150,000 | ~40,000 | 1,200 |
| 2019 | ~152,000 | ~41,500 | 1,250 |
| 2020 | ~140,000 | ~37,000 | 1,150 |
| 2021 | ~145,000 | ~39,000 | 1,180 |
| 2022 | ~148,000 | ~39,500 | 1,190 |
Laws & Regulations
- No-fault insurance system.
- Proof of insurance required at registration.
