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LowerNewYorkRates.com makes searching for cheap New York auto insurance rates easy. Simply fill in your zipcode on the graphic below and hit the go button. You'll receive up to four quotes from competing agents who want to help you save money on your insurance rates.

New York State is a no-fault state. Your insurance liability coverage must be NYS insurance coverage issued by a company authorized to do business in New York and licensed by the State Insurance Department. Keep in mind, the consequences of failing to carry car insurance coverage could be severe if you cause an accident. You could be financially liable for any resulting injuries or property damage. Don't risk it; carry adequate auto insurance coverage. If you do not have liability insurance, you must surrender your vehicle plates to the DMV immediately. Failure to do so could result in your registration and driver license being suspended indefinitely.

New York state law requires a minimum coverage of $25,000/50,000 for injury, $50,000/100,000 for death, and $10,000 for property damage per accident. These are the state minimum requirement, but this amount is generally not considered sufficient enough to fully protect you from financial liability and loss. It is advisable to carry more coverage. Most insurance agents recommend policies with 100/300/100 minimum coverage.

New York State also requires that individuals carry Economic Loss/No-Fault Insurance Coverage. This coverage pays for basic economic loss, without regard to fault, up to a maximum of $50,000 per person. Lastly, the law also requires all auto insurance policies to provide uninsured motorists coverage (for bodily injury), subject to the same minimums of $50,000.