Insurance requirement guides for New York.
$25,000 / $50,000 / $10,000
Bodily injury per person / per accident / property damage, written 25/50/10
Set by N.Y. VTL § 311. Read off the statute on , and the figure every New York guide on this site is checked against.
Compare it with every stateInsurance regulation
Registration and insurance verification
New York has no state law requiring boat insurance, but marina contracts require liability cover and NYC Parks sets insurance terms for commercial vessel permits. Learn what NY boaters actually need.
New York requires 25/50/10 liability plus mandatory SUM (uninsured motorist) coverage on all motorcycle policies. Motorcycles are excluded from NY's no-fault PIP system — learn what that means for riders and why NYC coverage costs so much more.
New York requires 25/50/10 liability plus $50,000 PIP and mandatory uninsured motorist coverage. Learn the state's no-fault rules and why minimums may not be enough.
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Every guide on this page covers a New York requirement: what the law makes you carry, who it applies to, and what happens without it. The auto liability minimum above is read off the statute itself, and each New York guide on this site is checked against that same figure. The regulators linked above are where New York publishes the rules, so they are the place to confirm anything before you rely on it.
