How much car insurance coverage do you need for a 2010 Honda Fit if you live in New York City?

I live in New York City and I have a 2010 Honda Fit. I currently have a 100/300/25 liability insurance policy, $25,000 in MedPay, and 25/50 uninsured motorist. Is this enough coverage?

“Although these limits may seem high, you’re actually on the lower end of the spectrum in terms of coverage.
Most drivers in New York City go with a 250/500/250 liability policy, as the cost of expenses (including medical bills) are often higher than in other parts of the country. You may also want to increase your uninsured motorist coverage to 250/500.
The addition of medical payments coverage is probably another smart move. However, you may want to increase your MedPay limit to accommodate your financial situation and your current health insurance coverage.”
Eric Schad
Answered on Apr 22, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.

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