Car and Auto Insurance in New York
John Lepore Agency offers outstanding car insurance rates for drivers in Rockland and Putnam Counties. Every New York vehicle must carry liability, no-fault, and uninsured motorists coverage. The minimum bodily injury liability limit is $25,000 for one person and $50,000 for two or more. Call 855-945-1900 or send your current policy for a rate.
New York car insurance requirements
| Coverage | Minimum | What it does |
|---|---|---|
| Bodily injury liability | $25,000 for one person and $50,000 for two or more, or $50,000 and $100,000 in the case of death | Pays for injury or death you cause to others. |
| Property damage liability | $10,000 for a single crash | Pays for damage you cause to other people's property. |
| No-fault (personal injury protection) | Up to $50,000 per person | Pays medical expenses, lost earnings, and other necessary expenses, regardless of fault. |
| Uninsured motorists | The same minimum bodily injury limits | Covers injuries from an uninsured or hit-and-run driver in New York. |
New York car insurance requirements: what you must carry
Sources: New York DMV and New York's Department of Financial Services.
Car insurance coverage to consider beyond the New York minimums
What can lower your car insurance rate in New York?
New York requires auto insurers to give discounts for some of these. Ask us which apply to you.
Keeping your New York car insurance active
You must have New York-issued liability coverage to register a vehicle here, and it must stay in effect while the registration is valid, even if you don't use the vehicle. If you don't maintain coverage, the DMV can suspend your registration and your license. The name on your insurance must also match the name on your registration.
New York car insurance questions
What car insurance does New York require?
Liability, no-fault, and uninsured motorists coverage. The minimum liability limits are $25,000 for injury to one person, $50,000 for two or more, and $10,000 for property damage.
What is SUM coverage?
Supplementary uninsured/underinsured motorists coverage extends your protection to out-of-state accidents and to accidents with an insured driver whose limits are lower than yours.
Can a defensive driving course lower my car insurance rate?
Yes. Insurers must reduce your premium on liability, collision, and no-fault coverage for three years after you complete an approved accident prevention course.
Can I use out-of-state car insurance in New York?
No. If your vehicle is registered in New York, it must have New York auto liability coverage.
What happens if my New York car insurance lapses?
The DMV can suspend your vehicle registration and your driver's license.
Have your current car insurance policy? Send a photo for a rate
It's the fastest way to a rate: one photo or PDF instead of a long form. John or Allen reads it and comes back to you.
Find your declarations page
It's usually the first page of your policy or renewal packet. You can also download it from your insurer's website or app.
Take a photo or choose a file
Lay the page flat in good light with all four corners showing. A PDF or a screenshot works too.
Send everything at once
Home, auto, and umbrella can go together. We sort them, and each policy gets its own review.