New York Car Insurance Quotes

A motor vehicle registered in NYS must have liability insurance. Insurance coverage must be a minimum of:

• $25,000 for bodily injury to one person.
• $50,000 total per accident for bodily injury.
• $50,000 for death to one person.
• $100,000 total per accident for death.
• $10,000 for damage to property.

New York State is a no-fault state. The liability coverage must remain in effect while the registration is valid, even if the vehicle is not used (except motorcycles).

The liability coverage must be NYS insurance coverage, issued by a company authorized to do business in NYS and licensed by the NYS Insurance Department. Out-of-state insurance coverage of any type is NEVER acceptable or valid. If your vehicle is registered in NYS, the liability insurance coverage must be NYS insurance coverage.

Liability coverage must be issued in the name of the registrant and must remain in the name of the registrant at all times. A change on the insurance to a name different from the registrant causes a lapse in insurance coverage, and the driver license of the registrant and the registration is suspended.

You must show a NYS Insurance Identification Card when you apply for a vehicle registration. Your insurance company, agent or broker must issue two original NYS Insurance Identification Cards to you. The Insurance Identification Cards must have the same name as the registration application and must have a barcode.

The insurance company must also file an electronic notice of insurance coverage with the DMV to verify the liability coverage. (The agent or broker cannot file this notice.) Your Insurance Identification Card and the electronic notice of insurance coverage together verify your insurance coverage. An Insurance Identification Card only does not prove liability coverage.

An Insurance Identification Card must be presented within 45 days of the effective date of the insurance coverage. Bring the cards to the DMV office when you apply for the registration. The DMV office will keep one card. Keep the other card with the vehicle. If a police officer requests your proof of insurance, you must show your Insurance Identification Card.
The DMV does not accept any out-of-state insurance documents.