# New York minimum auto liability insurance

For New York minimum auto liability insurance, bodily injury per person is twenty-five thousand dollars; bodily injury per accident is fifty thousand dollars; property damage per accident is ten thousand dollars, recorded from its source on 2026-08-10.

- **State:** New York _(our reading, not quoted from the source)_
- **Bodily injury per person:** twenty-five thousand dollars _(verified: appears in the quote below)_
- **Bodily injury per accident:** fifty thousand dollars _(verified: appears in the quote below)_
- **Property damage per accident:** ten thousand dollars _(verified: appears in the quote below)_
- **Issuing authority:** New York Vehicle and Traffic Law § 311
- **Notes:** Where the accident results in death the required limits are higher: fifty thousand dollars because of death of one person and one hundred thousand dollars because of death of two or more persons in any one accident. _(verified: appears in the quote below)_

## What the source says

> Every such owner’s policy of liability insurance shall provide insurance subject to said regulation against loss from the liability imposed by law for damages, including damages for care and loss of services, because of bodily injury to or death of any person and injury to or destruction of property arising out of the ownership, maintenance, use, or operation of a specific motor vehicle or motor vehicles within the state of New York, or elsewhere in the United States in North America or the Dominion of Canada, subject to a limit, exclusive of interest and costs, with respect to each such motor vehicle except a tow truck, of twenty-five thousand dollars because of bodily injuries to and fifty thousand dollars because of death of one person in any one accident and, subject to said limit for one person, to a limit of fifty thousand dollars because of bodily injury to and one hundred thousand dollars because of death of two or more persons in any one accident, and to a limit of ten thousand dollars because of injury to or destruction of property of others in any one accident

## Source

- https://newyork.public.law/laws/n.y._vehicle_and_traffic_law_section_311

Last verified: 2026-08-10. Review by: 2027-02-06.
Part of [Minimum auto liability insurance limits by state](https://referencesource.org/auto-insurance-minimums/).