Car Insurance In New York

The state of New York is currently the most expensive state for car insurance, which hasn’t changed since September 2010. The average New York resident pays $2,592 for annual premiums, which is significantly greater than the national average of $1,545. This is due primarily to the extremely dense population and high auto related crime rate of the Five Boroughs area. Also, the Garden State can experience fairly harsh winter weather creating more dangerous driving conditions, and a no-fault insurance system drives insurance costs up because insurance providers foot the bill for injuries and damages.

Requirements:

• Bodily Injury Liability: $25,000/$50,000 Limit
• Property Damage Liability: $10,000 Limit
• Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
• Personal Injury Protection: $50,000 Limit

What you need to know about New York

The state of New York follows a no-fault system meaning your insurance company will make payments for your injury claims regardless of fault, up to a specified limit. Typically, you lose some of your rights to sue under a no-fault system, and details of a no-fault system vary from state to state. Also, New York requires motorists to carry uninsured/underinsured motorist coverage, which is designed to protect you against drivers who are illegally driving without insurance and/or adequate insurance.

What you may not already know about New York

The notorious, in your face attitude of New Yorkers is a way of life, and because of this there is no room for flirting in public according to state law. New York is the city that never sleeps, not the city of love. So, if you get caught flirting in public, which includes your vehicle, you will be looking at a minimum $25 fine. If you get caught flirting from your automobile you could be facing charges of driving while distracted which could land you in big trouble including hefty fines and fees, the potential for jail time, and the colossally un-sexy hike in premiums.