From breathtaking Niagara Falls to jaw-dropping New York City, the “Empire State” rivals the best of the U.S. for its variety of natural and man-made attractions. New York is home to just over 8 million residents, and NYC ranks as the most densely populated city in the U.S. And even with all these New Yorkers, the state’s pristine 176 state parks maintain the natural wonder of historic New England. It’s no wonder drivers from every state have made New York their vacation spot year after year, and is doing its job to make sure all these visitors and residents alike are protected while on the road, with plenty of information about New York laws and auto insurance from many companies, including ways to find the cheapest car insurance in New York. To help out, here’s a list of helpful facts every driver should know when driving in New York and looking for cheap car insurance in New York.

In addition to helpful facts for New York, we provide tips on how to find the cheapest car insurance in New York. Cheap auto insurance can be hard to find. With so many insurance companies and auto insurance coverage options, it can be hard to know which is the cheapest car insurance in New York. Those who live in New York will be able to explore the different coverage options and auto insurance companies, and ultimately find whatever cheap car insurance in New York is best for their situation. can help New York drivers explore insurance companies and coverage options to find cheap car insurance in New York with very little work.


New York seasons can change at the drop of a hat. Insurance laws and regulations aren’t much different, and this list of helpful facts will make sure drivers can stay up-to-date with all the changes in auto insurance and laws.

Minimum Requirements for Car Insurance in New York

  • The New York DMV states that every driver in New York must carry a minimum of liability insurance coverage on their vehicle.
  • New York Liability Auto Insurance Coverage minimums:
    • $25,000 for individual injury and $50,000 for individual death in a car accident.
    • $50,000 for multiple individuals’ injuries and $100,000 for multiple deaths in a car accident.
    • $10,000 for property damage.
  • New York requires a vehicle to be insured in order to register the vehicle in the state. Also, the name on the auto insurance and registration paperwork must match.

New Driver Licensing Requirements

To operate a car in the state of New York, a driver must be 16 years of age or older and have a valid drivers license. If the driver is under 18, the driver must follow the restrictions listed on the New York DMV website. The following lists the requirements to obtain a NY drivers license.

  • Vision Test.Every driver must pass the vision test with a visual acuity of 20/40 or better. An applicant can have the test performed by any of the following professionals:
    • Physician
    • Physician’s assistant
    • Ophthalmologist
    • Optician
    • Registered nurse
    • Nurse professional

    A Vision Test Report must be submitted by the professional or by the vision care provider listed in the DMV Online Vision Registry. If it is determined that the applicant requires corrective lenses, a license with a “B” restriction may be issued. Two other vision restrictions include:

    1. Telescopic Lenses: A “Telescopic Lenses” restriction can be placed on a drivers license after the applicant submits an Eye Test Report for Medical Review Unit form.
    2. Daylight Driving Restriction: This restriction can be placed on a driver’s license if the vision professional determines their night vision is impaired.

    Each vision restriction can be removed by taking the necessary steps listed on the NY DMV website.

  • Written Test. Access the Driver’s Manual and Study Guide to prepare for the written test. An applicant must complete either a Driver Education Course, a Pre-licensing Course or pass the written test prior to scheduling the road test.
    If the applicant is under age 18, 50 hours of supervised driving experience must be documented with a Certificate of Supervised Driving. Included within the 50 hours must be 10 hours in moderate to heavy traffic and 15 hours of night driving.
  • Road Test.The car used in the road test must be safe, insured and registered, and it must be driven to and from the testing facility by a licensed driver. The road test evaluates the applicant’s skills in each of the following areas:
    • Steering
    • Acceleration
    • Braking
    • Clutch/Gears
    • Speed
    • Communication
    • Observation
    • Traffic signs, signals and markings
    • Following distance
    • Stopping position
    • Lane selection and position
    • Anticipation and reaction
  • Pay a License Fee. Each applicant is required to pay licensing fees after completing the testing requirements. These fees range from $64.25 to $107.50 depending on the type of license and endorsements. A full list of fees can be found at
  • If under 18 years of age, the applicant must wait 6 months from the date the learner’s permit was released to schedule a road test.


  • BAC limit: .08 The New York DMV website has published a document providing all the necessary information regarding New York DUI/DWI laws. Following is a summary of New York’s relevant DUI/DWI violations. While aggravated DUI (BAC of .18 or higher) holds more severe penalties and Driving While Ability Impaired (BAC .05 to .07) holds less severe penalties, DWI (BAC .08) is included here to provide an average example.
  • First Offense:
    • Misdemeanor
    • Minimum $500 and maximum $1,000 fine.
    • Maximum 1 year imprisonment.
    • Age 21 and older receives a minimum 6 month license revocation, and under 21 receives a minimum 1 year license revocation.
  • Second Offense within 10 Years:
    • Class E Felony
    • Minimum $1,000 and maximum $5,000 fine.
    • Maximum 4 years imprisonment.
    • Age 21 and older receives a minimum 1 year license revocation, and under 21 receives a 1 year revocation or until age 21, whichever is longer.
  • Third Offense within 10 Years:
    • Class D Felony
    • Minimum $2,000 and maximum $10,000 fine.
    • Maximum 7 year imprisonment.
    • Age 21 and older receives a minimum 1 year license revocation, and under 21 receives a 1 year revocation or until age 21, whichever is longer.

Texting & Driving Laws

According to, New York has issued a temporary ban on texting and handheld devices for all drivers to avoid accidents and injury.

Unique Laws

While the penalty for jumping off a building in New York is death, flirting only holds a $25 fine! But for drivers, if one ever gets a chance to drive an ice cream truck, remember that it is illegal to back up to make a sale!

Here is the information on cheap car insurance in New York to help you find the cheapest car insurance in New York for your county, with many companies to choose from.


Best Cheap Car Insurance Quotes for New York

[additional_info state=’ny’] Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums.

New York auto insurance consistently ranks well above average compared to the national average in both categories. reports that New York auto insurance premiums have remained higher than the national average since 1991.
[lineChartAverageCarInsPrem state=’New York’]
[lineChartAverageCarIns_Percentage_Of_Income state=’New York’]

Drunk Driving Fatalities

The National Highway Traffic Safety Administration reveals that New York’s drunk driving fatalities have been below the national average for several years. Compared to the rest of the U.S., New York appears to have curbed its drunk driving numbers well.
[lineChart_Drunk_Driving state=’New York’]

Teen Drinking and Driving

Teens in New York drink and drive much less than the national average.
[barChart_Teen_Drinking_Driving state=’New York’]

Vehicular Theft in New York

The FBI reports that New York’s auto thefts have declined in recent years, and they remain well below half the national average.
[lineChart_Motor_Vehicle_Theft state=’New York’]


State Department of Insurance

New York Department of Financial Services
For a list of DFS offices and to get directions, visit
Contact the Consumer Hotline at (800) 342-3736
Local calls can be made to (212) 480-6400

Department of Transportation

New York Department of Transportation
To locate a New York DOT office and to get directions, visit
(518) 457-6195

Department of Motor Vehicles

New York Department of Motor Vehicles
For the department’s website, to find a local office and to get directions, visit
(518) 473-5595

See rates for these popular cities
[kml_map kml_url=’’ latlong =’42.763146,-75.805664′ height=’350px’]

Please provide a valid zip code.