Auto Insurance Minimum Requirements
Important Notes
New York requires NY State-issued auto policies to register a vehicle; out-of-state policies are not accepted. The state enforces distinct limits for fatal incidents: a minimum of $50,000 per person and $100,000 per accident is required for wrongful death claims. Requires $50,000 in No-Fault PIP coverage.
Uninsured / Underinsured Motorist
Mandatory UM coverage applies exclusively to bodily injury claims at a minimum limit of 25/50.
Alternatives to Insurance
No public cash/bond alternatives exist for standard personal vehicle registrations.
Official Source
New York Department of Motor Vehicles
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.