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In New York, the minimum car insurance is 25/50/10: $25,000 per person and $50,000 per crash for injuries you cause, plus $10,000 for property damage. Required coverage: BI & PD Liability, PIP, UM, UIM. That's the legal floor; many drivers buy more because a serious crash can cost far more than the minimum pays.
BI = bodily injury liability, PD = property damage liability, PIP = personal injury protection, UM/UIM = uninsured/underinsured motorist, MED = medical payments. Source: NY DMV. Confirmed against the official source 2026-10-12. Confirm with New York's DMV or insurance department.
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25/50/10 (BI & PD Liability, PIP, UM, UIM): $25,000 per person and $50,000 per crash for injuries you cause, plus $10,000 for property damage.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.