States
New York minimum car insurance: 25/50/10
At least $25,000 per person, $50,000 per accident and $10,000 for property damage. Change the numbers below to test your own policy.
Minimum car insurance check and unpaid-damages estimate
New York minimum: 25/50/10 · No-fault
Your limits meet this minimum.
Left unpaid by the policy in this scenario
$95,000
- Total damages: $155,000
- Injury paid by the policy: $50,000 (per-person cap reached)
- Property paid by the policy: $10,000
The scenario amounts are yours, not statistics. official page, read 2026-11-02. Everything you enter stays in this browser: nothing is sent or stored. General information, not insurance or legal advice.
New York's DMV gives two injury figures per line. The limit is $25,000 for bodily injury and $50,000 for death for one person, then $50,000 for bodily injury and $100,000 for death for two or more, with $10,000 for property. No other page we read separates death from injury in that way. The policy must be issued in New York to register a vehicle there, and the DMV can suspend both registration and license if coverage lapses, or if the name on the policy differs from the name on the registration. The Department of Financial Services describes the no-fault layer: up to $50,000 per person of basic cover, regardless of who was at fault, for medical expenses, lost earnings and similar costs. Suits are limited to economic loss above those benefits, and non-economic damages need a serious injury. It covers injury, not car damage.
Official pages read by Radif Partners · Editorial policy · Method and sources
What the three numbers mean in New York
The figure to watch here is the last one: $10,000 of property cover is thin against the price of one late-model car, whatever the injury limits say.
$25,000 is the most the policy pays for one injured person. $50,000 is the most it pays for everyone hurt in the crash. $10,000 is the most it pays for the other car and anything else you damage.
| Coverage | Minimum | Source read |
|---|---|---|
| Injury, one person | $25,000 | November 2, 2026 or November 3, 2026 |
| Injury, whole accident | $50,000 | November 2, 2026 or November 3, 2026 |
| Property damage | $10,000 | November 2, 2026 or November 3, 2026 |
Read on the official page for New York.
What else we read for New York
| Topic | What the source says | Source |
|---|---|---|
| No-fault or at-fault | Basic No-Fault cover is up to $50,000 per person; lawsuits are limited to economic loss above those benefits and to serious injury for non-economic damages. | official text |
| Other required or offered cover | Not verified | None read |
| Penalties | The DMV can suspend the vehicle registration and the driver license if coverage is not maintained. | official text |
| SR-22 or similar filing | Not verified | None read |
Not verified means that we did not read the rule on an official page. It does not mean that the rule is absent, and we do not infer at-fault status from silence. Ask the state before relying on a blank.