Wednesday, October 21, 2026 15:30
New York’s 2026 auto insurance reforms target the two costs that push premiums up most here: fraud and injury lawsuits. They also limit which personal factors insurers can price on and, starting November 27, 2026, require state approval before any auto rate increase. Lower premiums are the goal, but nothing Read More…
Friday, October 02, 2026 1:28
Supplemental Spousal Liability (SSL) insurance is a New York auto coverage that can provide bodily injury liability protection when one spouse is injured or killed in a motor vehicle accident caused by the negligence of the other spouse. This coverage matters because a standard New York auto liability policy does Read More…
Wednesday, September 30, 2026 1:19
When you move to New York, you have 30 days to get a New York driver license and 30 days to register your car here. You need a New York auto policy before you can register, because the DMV won’t accept out-of-state insurance for a car registered in New York. Read More…
Wednesday, September 30, 2026 1:19
In New York, your insurer may require an inspection when you buy collision or comprehensive coverage for a car. If it does and the inspection isn’t done within 14 calendar days after that coverage starts, the collision and comprehensive coverage is suspended until it is. Since May 2024, state law Read More…
Wednesday, September 30, 2026 1:17
New York no-fault insurance pays 80% of your lost earnings after a car accident, up to $2,000 a month, for up to three years. Those payments come out of the same $50,000 basic limit as your medical bills and other covered expenses. Enter your pay below to estimate what basic Read More…
Wednesday, September 30, 2026 1:14
New York adds points to your driving record for most moving violations. Six points within 18 months triggers a Driver Responsibility Assessment, and 11 points within 24 months can lead to a license suspension. Add your tickets below to see where you stand. At a Glance DMV Points Calculator Pick Read More…
Wednesday, September 30, 2026 1:08
If your New York registration went uninsured, the DMV can charge a civil penalty of $8 to $12 for each day of the lapse, as long as it lasted 90 days or less. The calculator below works out that penalty from your dates. At 91 days or more, paying is Read More…
Thursday, January 22, 2026 14:41
Completing a New York DMV-approved defensive driving course can reduce your eligible car insurance base premiums by 10% for three years. The discount applies to liability, no-fault, and collision coverage when the vehicle’s principal operator completes the course. It does not necessarily reduce your entire insurance bill by 10%. Whether Read More…
Tuesday, January 20, 2026 4:31
Travelers and New York Central Mutual (NYCM) are useful starting points when shopping for car insurance in New York. Travelers led New York in J.D. Power’s 2026 customer satisfaction study, while NYCM led the state in 2025. Both belong on a comparison list, but neither is guaranteed to offer the Read More…
Thursday, June 01, 2023 10:12
If you drive a taxi, black car, livery vehicle, limousine, or rideshare vehicle in New York City, you may need commercial auto insurance that meets New York City Taxi & Limousine Commission (TLC) requirements. This is commonly called TLC insurance. For drivers working with Uber or Lyft in New York Read More…