New York Car Insurance (NY)

The state motto of New York is:: "Excelsior . . . (Ever Upward)."

New York car insurance is something you have to be careful with. While the state of New York applies the No-Fault system- meaning that if you are in an accident, your insurance carrier will pay your injury claims regardless of who caused the accident (up to a specified limit), there may be detail variations regarding the no-fault system. To better understand New York car insurance, check with your state insurance regulator for regulations. For the best rates, you can always visit www.InsuranceUSA.com.



When it comes to New York car insurance, the state law for New York requires a minimum coverage of $25,000 for Bodily Injury Liability per injured person. It also requires up to a maximum of $50,000 per accident. The minimum state requirement for Property Damage Liability coverage is $10,000. This type of coverage is generally referred to as 25/50/10 coverage.

What happens if you don't get car insurance in New York? Law enforcement officers will ask you for proof of insurance at the time of traffic stops or accidents. Insurance companies notify the department of motor vehicles of all policy cancellations, non-renewals, and new policies. If this is the case with you, the law enforcement officer will know it and it could cause you huge fines or worse. Failure to maintain proper insurance could lead to the suspension of your vehicle registration and/or driver license. This can be expensive to the vehicle owner. Be sure that you follow the New York car insurance laws!

Although New York car insurance does not require a minimum Personal Injury Protection (PIP), there are advantages to having this type of coverage. For example, if you ever have an accident, PIP will pay for your and your passengers' medical expenses.

Another type of optional coverage you can consider getting is Uninsured/ Underinsured Motorist Coverage. This coverage will help pay for any injury resulting from an accident caused by an uninsured driver. You can choose to purchase this added protection, although state law for New York car insurance does not require it.

New York car insurance is really not that complicated. While many residents in The Empire State will get their insurance in the traditional way, make sure you compare New York car insurance rates from multiple car insurance companies to get the best rate. You can call each car insurance company directly or you can shop for auto insurance online. Shopping for auto insurance online can be faster and more convenient.- you should consider saving money and going to www.InsuranceUSA.com.

Major New York Cities

8,143,197	New York City	279,745	Buffalo	211,091	Rochester
196,425	Yonkers	141,683	Syracuse	93,523	Albany
78,000	Cheektowaga	72,967	New Rochelle	67,924	Mount Vernon
61,280	Schenectady	60,000	Tonawanda	59,336	Utica
56,733	White Plains	55,000	Brentwood	53,000	Levittown
52,866	Niagara Falls	52,829	Hempstead	51,072	Irondequoit
48,310	Troy	45,492	Binghamton	45,000	West Seneca
43,900	West Babylon	43,519	Freeport	41,400	Hicksville
37,600	East Meadow	37,000	Coram	36,500	Commack
35,799	Valley Stream	35,336	Long Beach	34,620	Brighton
34,344	Rome	34,200	New City	34,000	Elmont
34,000	Central Islip	32,900	Oceanside	32,072	North Tonawanda
30,500	Huntington Station	30,381	Jamestown	30,355	Poughkeepsie
29,928	Elmira	29,766	Ithaca	29,700	Franklin Square
29,100	West Islip	28,548	Newburgh	28,500	Holbrook
28,300	Deer Park	28,248	Lindenhurst	28,036	Saratoga Springs