Uninsured/Underinsured Motorist in New York

Uninsured/Underinsured Motorist insurance averages about $160 per year nationally. In New York, the overall average car insurance premium is $2,320/yr ($594 above the national average). Actual uninsured/underinsured motorist costs vary based on your driving record, vehicle, and insurer.

Uninsured/Underinsured Motorist is not specifically mandated as a standalone requirement in New York, though related coverage may be required. New York requires: 25/50 / 10 liability.

Protects you if hit by a driver with no insurance or insufficient coverage. Required in many states. Typical limits are Varies by state and provider. This is a recommended coverage type.

New York uses a no-fault insurance system. In at-fault states, the at-fault driver's insurance pays for damages. This can influence the importance and cost of uninsured/underinsured motorist coverage.

To save on uninsured/underinsured motorist in New York: compare quotes from multiple insurers, ask about discounts (safe driver, bundling, low mileage), consider higher deductibles where applicable, and maintain a clean driving record. The cheapest insurer in New York is GEICO, while Allstate tends to be the most expensive.