New York: car insurance by state
Minimum car insurance each state requires, whether the state is no-fault, and how shared fault affects an injury claim.
| Minimum liability (bodily injury per person / per accident / property damage) | $25,000 / $50,000 / $10,000 |
|---|---|
| Other coverage you must carry | PIP $50,000 and uninsured motorist $25,000/$50,000 |
| Fault system | No-fault (PIP pays first; lawsuits limited) |
| Shared-fault rule | Pure comparative: recovery reduced by your share of fault |
| Shared-fault law | CPLR § 1411 |
Bodily injury limits are 50/100 where the injury causes death. For car-crash injury lawsuits started on or after May 26, 2026, a person more at fault than those they sue recovers nothing (CPLR 1411(b)); other claims keep pure comparative fault.
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in New York.
Also for New York: Claim deadlines in New York · Small claims limits in New York
How we checked this
Liability limits were compared across two independent 50-state tables built from state insurance department filings; they agreed for every state. The shared-fault rule comes from a law-firm survey updated June 2026, with 2026 changes in Louisiana and New York confirmed separately. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.
Cross-checked sources agree Checked on official source confirmed on a government, court or legislature site From a statute-cited table one detailed source Under review sources disagree; read the note and the law.