New York
New York guides

New York Car Insurance Requirements: What the Law Requires and What to Ask Your Agent
New York requires liability, basic no-fault and uninsured motorist coverage before a car can be registered. See the minimum limits, DMV proof and lapse penalties.
AutoAverage Cost of Car Insurance in New York: Why Quotes Range So Widely and What Drives Yours
New York's 2023 NAIC average expenditure was $1,752.55 per insured vehicle. See what the average includes, why quotes differ and how to compare them.
AutoNew York No-Fault Insurance: What It Pays, What It Does Not, and How to File a Claim
New York no-fault insurance pays up to $50,000 per person for accident-related losses, whatever the fault. See what it covers, the deadlines and how to file.
More New York guides

New York Homeowners Insurance: What It Costs, What It Covers, and How to Compare Quotes
New York homeowners insurance averaged $1,628 for the HO-3 form in NAIC's 2022 report. See what a policy covers, leaves out, and how to compare quotes.

NYC Renters Insurance: What It Costs, What It Covers, and Whether Your Landlord Can Require It
NYC renters insurance covers your belongings, liability and temporary housing, not the building. New York's average tenant premium was $169 in 2022, says NAIC.

Co-op Insurance in NYC: What the Building Covers, What You Need, and What Boards Require
A NYC co-op shareholder usually needs an individual HO-6-style policy alongside the building's master policy. See what each covers, and what boards require.

New York Car Insurance Lapse: Daily Penalties, Suspensions, and How to Clear It With the DMV
A New York insurance lapse costs $8 to $12 a day for up to 90 days, $900 in all, and 91 days or more can suspend your license too. Here is how to clear it.

New York Disability and Paid Family Leave Insurance: What Employers Must Carry and What It Costs
Most New York employers must carry DBL and Paid Family Leave coverage once an employee works 30 days. See what each pays, who counts and what no coverage costs.

New York Business Insurance: What Is Required, What Is Worth Having, and What It Costs
New York does not require one insurance package for every business, but employers face workers' comp, disability, and PFL rules. See limits, costs, and checks.

New York Flood Insurance: Who Needs It, What It Costs, and What the $250,000 Cap Means
Standard New York homeowners and renters policies generally exclude flood. See who needs a policy, NFIP limits, the 30-day wait, costs, and how to file a claim.