I'm a New York resident and I'm about to buy my first car. How much car insurance coverage do I need in New York?

I live in upstate New York and I'm 22 years old. I'm about to buy my first car and I want to be totally above board and legal. How much car insurance do I need?

Thanks for your question! In New York, the state-minimum limits are:
  • 25/50 for bodily injury: $25,000 per person and $50,000 per accident if you cause a collision and someone in the other car gets hurt.
  • $10,000 for property damage: This will fix the other person’s car if you hit someone.
  • $50,000 mandatory no-fault coverage: This is already included in all New York policies.
If you’re financing the car, the finance company will typically require you to also have full coverage, which means you’ll have to add comprehensive and collision coverage to your policy.
Savannah Grabek
Answered on Mar 12, 2021
Savannah Grabek is an expert in Personal Lines insurance. She has 5 years experience in the insurance industry. Savannah began her carrier working with just property insurance and is now tenured in all personal line including home, auto, motorcycle, boat and umbrella. She previously worked for GEICO and has now been working with Jerry insurance for the past year. Savannah lives in New York with her son, fiancé, and puppy Bear. In her free time she enjoys spending quality time with her family and hiking with her dog.

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