Coverage and service for the Empire State
If you live in New York or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
Whether you're planning an excursion to the Empire State Building, sightseeing in Niagara Falls or winding through the Adirondacks, we can be there for you.
Required car insurance coverage in New York
New York law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$25,000 limit per person $50,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$5,000 limit per accident |
Coverage |
Uninsured motorists bodily injury |
Description |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance. |
Minimum requirement |
$25,000 limit per person $50,000 limit per accident |
Coverage |
Personal injury protection |
Description |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
Minimum requirement |
$50,000 limit |
Coverage |
Supplementary uninsured motorists |
Description |
This pays for damages from the owner or operator of an uninsured, underinsured or unidentified hit-and-run vehicle because of bodily injury or death from an auto accident. |
Minimum requirement |
You can have any available limit up to your bodily injury liability coverage. |
Required car insurance coverage in New York
New York law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$25,000 limit per person $50,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$5,000 limit per accident |
Uninsured motorists bodily injury |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance. |
$25,000 limit per person $50,000 limit per accident |
Personal injury protection |
This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
$50,000 limit |
Supplementary uninsured motorists |
This pays for damages from the owner or operator of an uninsured, underinsured or unidentified hit-and-run vehicle because of bodily injury or death from an auto accident. |
You can have any available limit up to your bodily injury liability coverage. |
New York law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $25,000 limit per person $50,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $5,000 limit per accident |
| Coverage | Uninsured motorists bodily injury |
| Description | This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance. |
| Minimum requirement | $25,000 limit per person $50,000 limit per accident |
| Coverage | Personal injury protection |
| Description | This helps cover expenses if you or your passengers are injured in a car accident, regardless of whose fault it is. |
| Minimum requirement | $50,000 limit |
| Coverage | Supplementary uninsured motorists |
| Description | This pays for damages from the owner or operator of an uninsured, underinsured or unidentified hit-and-run vehicle because of bodily injury or death from an auto accident. |
| Minimum requirement | You can have any available limit up to your bodily injury liability coverage. |
Get up to 30% off your premium at renewal for being a safe driver. See note 4
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
New York car insurance FAQ
If you’re moving to New York or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.
Yes. That means if you or your passengers are injured in a car accident, your own auto insurance would help cover related medical costs no matter who caused the accident.
Drivers are usually required to get personal injury protection or no-fault coverage in these states.