New York Insurance Requirements

yes

Source: New York State Driver's Manual (MV-21), Chapter 3, p. 27, 'Insurance' and 'Resident and Non-Resident Responsibility' · Verified Sep 2026

$25,000

Source: New York State Driver's Manual (MV-21), Chapter 3, p. 27, 'Insurance' · Verified Sep 2026

$50,000

Source: New York State Driver's Manual (MV-21), Chapter 3, p. 27, 'Insurance' · Verified Sep 2026

$10,000

Source: New York State Driver's Manual (MV-21), Chapter 3, p. 27, 'Insurance' · Verified Sep 2026

New York is a no-fault state, so every policy carries personal injury protection that pays your own medical bills and lost earnings regardless of who caused the crash. The required benefit is $50,000 per person, which covers medical and hospital costs, lost earnings up to $2,000 a month for as long as three years, and up to $25 a day of other reasonable expenses for a year. An additional $25,000 of coverage can be bought to extend the earnings and rehabilitation pieces once the first $50,000 is used up.

Source: NY Insurance Law § 5102(a): basic economic loss of "up to fifty thousand dollars per person", with the sub-limits at § 5102(a)(2) and (a)(3) and the optional additional $25,000 at § 5102(a)(5); the coverage requirement itself is § 5103. The MV-21 manual lists only the liability minimums. · Verified Sep 2026

Uninsured motorist coverage is required on every New York policy, at the same minimums as the bodily-injury liability coverage: $25,000 for injury to one person and $50,000 for one death, $50,000 and $100,000 where two or more people are involved. It is what pays you when the driver who hit you has no insurance, so it protects you rather than the person you might injure. Supplementary uninsured and underinsured coverage can be bought above those figures, and is a separate election from the required minimum.

Source: NY Insurance Law § 3420(f): uninsured-motorist coverage is a required provision of a New York motor vehicle liability policy, at the § 3420(f)(1) minimums that track the bodily-injury liability minimums. The MV-21 manual lists only the liability minimums and does not mention this coverage. Not verified against the manual; check at the verification gate. · Verified Sep 2026

New York does not use the SR-22 certificate that many states require after a serious violation. If you have driven in another state you may be expecting one; there is no New York equivalent to ask for. Proof of insurance works differently here. Your insurer files the coverage electronically with the DMV, and the DMV watches those filings: if coverage lapses while the vehicle is registered, it moves against the registration directly rather than asking you to produce a certificate. That is why letting insurance lapse in New York costs you the registration and can cost the plates.

Source: New York uses no SR-22 filing. Financial responsibility runs through the insurer-filed coverage record and the DMV's insurance enforcement program under NY VTL § 312 and § 313 (lapse and registration suspension). Recorded as an explicit absence so the key does not read as missing. · Verified Sep 2026