What You Need To Know About Car Insurance In New York
Whether you live in the heart of New York City, on the shore of Lake Ontario, in the shadow of the Adirondacks, or anywhere else in the Empire State, you need to know the basics about New York car insurance coverage options. Take a look at the information below to keep in mind when you get a GEICO auto insurance quote.
Top three things to know about New York Auto Insurance:
- All drivers must have up-to-date car insurance that meets the NY required insurance coverage standards.
- If you are pulled over by the police for a traffic violation and don’t have a current car insurance ID card, you could get a ticket.
- There are numerous NY auto insurance discounts available that could save you money on GEICO car insurance. When getting an insurance quote, you should ask about New York good driver discounts, good student discounts, and a discount for bundling auto insurance and home insurance. You can also save money by taking a state-approved Defensive Driving Course.
New York is a no-fault insurance state
No-fault auto insurance is intended to help covered drivers and passengers recover from the accident and get back to work as quickly as possible regardless of who caused the accident. In New York, Personal Injury Protection is a required no-fault coverage. Personal Injury Protection will offer the following benefits if an insured is in an accident.
- Medical and rehabilitation expenses
- A portion of your lost earnings from being unable to work for up to three years
- Death benefits
- Other household expenses
Car Insurance in New York – Minimum Coverages
Liability coverage in New York is a requirement. If your car is registered with the NY DMV (Department of Motor Vehicles), then your insurance must meet the New York liability coverage minimums. They are:
- Bodily Injury minimum - Minimum $25,000 per person / $50,000 per accident
- Property Damage minimum - Minimum $10,000
- Uninsured/Underinsured Bodily Injury minimum - Minimum $25,000 per person / $50,000 per accident
- Basic Personal Injury Protection minimum - Minimum $50,000
Teen Driver Laws
New York law states that a teen must be 16 years or older to apply for a learner’s permit. To get a permit, the teen first takes a written test and then pays an application fee. After six months and 50 hours of supervised driving, 15 hours being at night, a young driver can take their driver’s test. Once they pass their driver’s test they obtain a Junior License.
Teen License Restrictions
The graduated license restrictions differ depending on where you live in New York State. Take a look at the sections below to find the restrictions for your hometown for each license type.
Drivers become eligible for a learner’s permit at age 16 across the state of New York. To receive a permit, drivers must pass a written test and pay an application fee. Note that the permit allows one to drive only between 5AM and 9PM, only with a parent, guardian, or driving instructor, and without more than one non-family member under age 21. In New York City, drivers with a permit may only operate a vehicle with dual brake controls.
After a driver achieves 50 hours of supervised driving and six months of driving with the learner’s permit, he or she may take a driving test and receive a junior license. Within the five boroughs of New York City, you are unable to drive with a junior license, so it is often beneficial to bypass the junior license until the teen qualifies for a senior license. Outside of New York City, the junior license is valid with a series of curfew and passenger restrictions. Check with your county for specific restrictions.
At age 18 (or age 17 if the driver has completed a driver training course) young drivers may apply for a senior license. This is a full license that removes all restrictions found above.
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If you and/or your child has been the victim of domestic violence and you're a GEICO policyholder, or if you're involved in a Claim that is being handled by GEICO, and you need your personal contact information protected, please review our information for New York Domestic Abuse Confidentiality.