Coverage and service in the Empire State

New York has 110,000 miles of state and local highways and is home to the longest toll road system in the U.S. It's also the first state to require license plates on vehicles. If you live in New York, USAA offers a combination of coverage and services to fit your needs. Whether you're planning an excursion to the Empire State Building, sightseeing in Niagara Falls or winding through the Adirondacks, USAA can be there for you.

The average cost of car insurance in New York

There are many things involved in determining auto insurance rates. How many miles you drive a year, your driving record and how many years you've been licensed to drive all play a part in how much you'll pay. New York is also a no-fault state, requiring drivers to carry more coverage.

See note$201See noteper month

The average monthly cost for all USAA auto policies issued in New York in 2023.See note1

New York coverage requirements and minimums

As of Jan. 1, 2024, New York law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $25,000 of bodily injury liability coverage per person

    This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault.

  • $50,000 of bodily injury liability coverage per accident limit

    This is the total amount of coverage for expenses related to the injuries or deaths of others involved in accidents where you're found at fault.

  • $5,000 of property damage liability coverage

    This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident.

  • Uninsured and underinsured motorist coverage

    Insurance companies are required to provide New York drivers supplementary uninsured and underinsured motorist coverage, or uninsured motorist coverage. This option is to be selected when choosing a limit greater than the 25/50 state minimum. These coverages help cover your expenses if you're in an accident caused by a driver who doesn't have insurance or doesn't have enough coverage.

  • $50,000 personal injury protection

    New York requires that drivers have PIP coverage. This helps cover medical expenses for you and your passengers, no matter who's at fault in an accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Reasons to choose USAA Auto Insurance in New York

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note4 Here's what else you can expect with a USAA Auto Insurance policy.