NEW YORK INSURANCE
New York insurance prices and coverage options, organized around what matters here.
New York has insurance rules and programs that can change what you need to know before you start. Understand the important state-specific basics, choose the coverage path that fits your situation, and begin one organized insurance request when you are ready.
- Free to start
- One organized request
- Licensed review where available
WHY NEW YORK IS DIFFERENT
Insurance here comes with a few rules worth understanding first.
New York’s insurance system includes requirements that do not apply everywhere.
No-fault auto insurance
New York requires basic Personal Injury Protection, commonly called PIP or no-fault coverage.
Continuous vehicle coverage
A New York-registered vehicle generally must remain covered by New York liability insurance while its registration remains valid.
Property-market alternatives
NYPIUA and C-MAP can become relevant when standard property coverage is difficult to obtain.
Employer obligations
New York businesses can face workers’ compensation, disability and Paid Family Leave coverage requirements.
You do not need to master every rule before asking for insurance help. The useful first step is understanding what applies to your situation and organizing the information needed for licensed review.
CHOOSE YOUR COVERAGE
Start with the insurance need you actually have.
Ensurance provides guided request paths for six insurance categories. Choose the path that fits your situation.
Auto Insurance
Organize information about your vehicles, drivers, current coverage, timing and what you are looking for.
Start New York auto requestHome Insurance
Start with information about the property you own and the homeowners coverage you are exploring.
Start home requestRenters Insurance
Organize your renters insurance needs, belongings and basic property information.
Start renters requestBusiness Insurance
Share information about your New York business, operations, employees and coverage needs.
Start business requestLife Insurance
Begin with who you are trying to protect and the basic information needed for licensed review.
Start life requestHealth Insurance
Organize information about who needs coverage, your timing and the health coverage you are exploring.
Start health requestNEW YORK AUTO INSURANCE
Start with what New York requires.
New York’s required auto coverage includes more than liability alone.
New York also specifies death liability limits.
New York DMV states minimum death liability limits of $50,000 for one person and $100,000 for two or more people in a crash.
REQUIRED PERSONAL INJURY PROTECTION
$50,000 in basic PIP
New York requires basic Personal Injury Protection, also called no-fault coverage.
REQUIRED BODILY-INJURY PROTECTION
Uninsured-motorist coverage
New York auto policies must provide uninsured-motorist bodily-injury protection subject to the state’s minimum bodily-injury limits.
NEW YORK NO-FAULT
No-fault changes how injury coverage works after an accident.
New York’s basic no-fault coverage is designed to pay qualifying economic losses from auto-related injuries regardless of who caused the accident, up to the basic $50,000 per-person limit.
It can include qualifying medical and rehabilitation expenses, lost earnings subject to statutory limits, and certain other necessary expenses.
New York DFS auto insurance informationDIRECT ANSWER
Does no-fault pay for damage to your car?
No. PIP is personal-injury protection. It does not pay for auto-body repairs or property damage.
KEEP COVERAGE ALIGNED
A registered vehicle generally needs continuous New York coverage.
An insurance lapse while registration remains active can lead to registration and driver-license consequences. Check current DMV requirements before ending coverage.
Review New York DMV lapse rulesRESIDUAL AUTO MARKET
What if voluntary coverage is difficult to obtain?
The New York Automobile Insurance Plan provides a mechanism for eligible applicants who cannot obtain applicable auto insurance through the voluntary market.
Read about NYAIPNEW YORK HOME & PROPERTY INSURANCE
Property coverage can depend on more than the home itself.
Location, coastal exposure, insurer underwriting and the type of protection being requested can affect the path a New York property owner needs to take.
Flood coverage is separate.
Standard homeowners and tenants policies generally do not cover flood losses. Flood coverage is normally a separate insurance path.
New York DFS flood informationNYPIUA can provide another property path.
The New York Property Insurance Underwriting Association offers special property coverage options when suitable voluntary-market coverage is difficult to obtain. Its coverage is more limited than a standard homeowners package.
Visit NYPIUAC-MAP addresses coastal availability.
The Coastal Market Assistance Program is administered by NYPIUA and helps qualifying homeowners in specified New York coastal areas seek homeowners coverage.
Review C-MAPOTHER NEW YORK INSURANCE NEEDS
Different coverage brings different questions.
RENTERS
Protecting what belongs to you.
A landlord’s property insurance does not automatically insure a tenant’s personal belongings. Renters coverage can provide personal-property and liability protection depending on the policy. Flood is a separate consideration.
Start renters requestBUSINESS
New York employers have specific responsibilities.
Virtually all New York employers must provide workers’ compensation coverage for employees. Disability and Paid Family Leave coverage requirements can also apply.
Start business request New York Workers’ Compensation BoardHEALTH
New York has its own official health marketplace.
NY State of Health is New York’s official health plan marketplace. Eligibility, enrollment periods, programs and financial assistance rules can change.
Start health request Visit NY State of HealthLIFE
Start with the people you want to protect.
Life insurance is generally more dependent on your household and financial protection needs than on New York geography. Start with the basic information needed for licensed review.
Start life requestHOW ENSURANCE WORKS IN NEW YORK
Start with the insurance need, not a list of agents.
Ensurance organizes the request first so the next insurance conversation can begin with clearer context.
CHOOSE
Tell us what you need.
Start with auto, home, renters, business, life or health insurance.
ORGANIZE
Complete one guided request.
Your information stays together instead of being scattered across separate forms.
REVIEW
Licensed review happens where available.
A licensed agent, agency or approved insurance partner may review your request where appropriate.
NEXT STEP
Move toward available options.
Quote options or another clear next step may be available depending on eligibility, carrier participation and licensed review.
Ensurance organizes the request. Licensed insurance professionals and insurance carriers remain responsible for insurance advice, coverage recommendations, eligibility, underwriting, pricing, quotes and policy placement.
NEW YORK INSURANCE FAQ
Clear answers to common New York insurance questions.
These answers provide general information. Actual policy terms, eligibility, price and available coverage depend on individual circumstances and the insurance carrier.
What auto insurance does New York require?
New York currently requires minimum auto liability protection of $25,000 for bodily injury to one person, $50,000 for bodily injury involving two or more people and $10,000 for property damage in an accident. New York also requires $50,000 of basic PIP/no-fault coverage and uninsured-motorist bodily-injury protection subject to minimum requirements.
Is New York a no-fault insurance state?
Yes. New York’s no-fault system uses Personal Injury Protection to pay qualifying economic losses resulting from auto injuries regardless of fault, subject to coverage rules and limits.
Does New York no-fault insurance pay to repair my vehicle?
No. PIP is personal-injury protection. It does not pay for auto-body repairs or other property damage.
Can I cancel insurance while my New York vehicle remains registered?
Generally, you should not allow required New York liability insurance to end while the registration remains active. DMV can impose registration and driver-license consequences when a lapse occurs. Verify the correct procedure with New York DMV before ending coverage.
What if I cannot obtain auto insurance through the normal market?
New York operates the New York Automobile Insurance Plan for eligible applicants who cannot obtain auto insurance through the voluntary market.
Does New York homeowners insurance cover flooding?
Standard homeowners and tenant policies generally do not cover flood losses. Flood insurance is normally a separate coverage path.
What are NYPIUA and C-MAP?
NYPIUA provides special property coverage options when coverage is difficult to obtain through the voluntary market. C-MAP is a coastal assistance program administered by NYPIUA for qualifying properties in specified New York coastal areas.
Does New York require workers’ compensation insurance?
The New York Workers’ Compensation Board says virtually all employers in the state must provide workers’ compensation coverage for employees, although specific rules and exceptions apply.
Does Ensurance instantly compare New York insurance prices?
Ensurance begins with one guided request, organizes the details, and helps move the request toward licensed professionals or approved insurance partners and available options where appropriate.
Will my request be sent to a long list of agents?
Ensurance uses a controlled request process. Protected requests follow the applicable controlled-access workflow toward eligible licensed review where available. The Privacy Policy explains the formal details about how information may be used or shared.
Does starting a New York request guarantee a quote?
No. Quote availability depends on factors including coverage type, location, eligibility, carrier participation, underwriting and licensed review.
Do I have to purchase insurance after starting?
No. Starting an Ensurance request does not require you to buy insurance. You can review an available next step before deciding whether to continue.
OFFICIAL NEW YORK RESOURCES
Verify important insurance information at the source.
Insurance requirements and state programs can change. These official resources are the best place to confirm current New York information.
Consumer insurance information, regulation and insurance-market resources.
AUTO New York DMV Insurance RequirementsCurrent vehicle insurance, registration and liability requirements.
NO-FAULT DFS Auto Insurance Resource CenterNo-fault, PIP, uninsured motorists and other auto insurance information.
PROPERTY New York Property Insurance Underwriting AssociationProperty insurance programs and C-MAP information.
BUSINESS New York Workers’ Compensation BoardWorkers’ compensation and employer coverage requirements.
HEALTH NY State of HealthNew York’s official health plan marketplace.
START WITH ONE REQUEST
Ready to start your New York auto insurance request?
Answer guided questions about your vehicle, drivers, current coverage and timing. Ensurance organizes the details so you can move toward licensed review and available quote options with a clearer next step.