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).
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.
