Whether you live in Buffalo, Syracuse, Albany or Loon Lake, with so many companies offering auto insurance in New York, how do you know what car insurance is right for you? Allstate offers a variety of auto insurance policies, optional insurance coverages and many other products available in New York. As your auto insurance needs change, your local Allstate agent can work with you to help you make the right choices. If you have a teen driver, there are other considerations such as New York's Graduated Driver Licensing laws (see chart below).
For more information on this state, visit the New York State Information or New York State Catastrophe Information page.
For more information on this state, visit the New York State Information or New York State Catastrophe Information page.
New York Auto Insurance Coverage Scale
Allstate can help you decide how much auto insurance coverage is right for you. Each state, including New York, has different minimum required auto insurance coverage levels, as shown in the chart below. Use this chart to learn more about New York's required coverage levels and the most common car insurance coverages.
| Coverage | State Requirements | Most Common | ||
| Bodily Injury Liability | 25,000/50,000 | 100,000/300,000 | ||
| Property Damage Liability | 10,000 | 50,000 | ||
| Uninsured Motorist Bodily Injury | 25,000/50,000 | 25,000/50,000 | ||
| Medical Payments | Not required | 100,000 | ||
| Collision | Not required | 500 deductible | ||
| Comprehensive | Not required | 500 deductible | ||
| Personal Injury Protection | Required | 200 deductible | ||
New York Graduated Driver Licensing
Graduated Driver Licensing (GDL) laws are one of the few things that have been proven to save teen lives. New York has its own variation of these laws that both you and your teen should be familiar with. You may want to discuss the New York GDL laws with your teen and use them as a foundation for rules you set for your teen driver.
| Minimum Entry Age (Optimal: 16) | 16, Has optimal provision | |||
| Extended Learner Period (Optimal: at least 6 months) | Has optimal provision | |||
| Parent Certification (Optimal: 30 hours minimal) | Has optimal provision | |||
| Night Restriction (Optimal: 9 or 10 p.m.) | Has optimal provision | |||
| Passenger Restriction (Optimal: No teenager passengers or only one-family excepted | Has optimal provision | |||
| Minimum exit age/ Minimum age at which restrictions are lifted (Optimal: 18) | 17 | |||
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