Understanding auto Insurance in New York
New York residents have unique insurance needs due to local regulations and driving conditions. This comprehensive guide covers everything you need to know about auto insurance in 2025.
Minimum Requirements in New York
New York law requires all drivers to carry minimum liability coverage. Here's what you need:
- Bodily Injury Liability: $25,000/$50,000
- Property Damage Liability: $25,000
- Uninsured Motorist Coverage: Recommended
Average Rates in New York
The average auto insurance premium in New York is approximately $1652/year, which is above the national average.
Top Insurance Companies in New York
- State Farm - Best overall coverage
- GEICO - Best for affordable rates
- Progressive - Best for high-risk drivers
- Allstate - Best for bundling
- Liberty Mutual - Best customer service
Tips to Save Money
Here are proven ways to lower your auto insurance costs in New York:
- Compare quotes from at least 5 providers
- Bundle home and auto policies
- Ask about available discounts
- Consider raising your deductible
- Maintain a clean driving record
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