Car insurance in New York
New York is a no-fault state: your own policy pays for your medical costs and lost earnings after a crash, up to its limits.
- Insurance regulator
- New York State Department of Financial Services
- Licenses insurers and handles consumer complaints.
- Liability system
- No-fault
- Each driver's own policy pays for their injuries after a crash, whoever caused it. Property damage is still handled by fault.
- Insura model tier
- Higher-cost tier
- A model assumption, not an official ranking. The calculator adjusts the baseline by +22% for New York.
- Average premium
- Not yet published
- Insura will add this when it can cite a source.
- ZIP-level costs
- Not yet published
- The calculator currently adjusts by state only.
Insurance rules change. Confirm current requirements with the New York State Department of Financial Services before you buy or change a policy.