New York Auto Insurance regulations:

New York state requires that all drivers carry auto liability coverage, uninsured motorist bodily injury coverage, and personal injury protection in order to register a vehicle. The state's standard liability coverage requirements are 25/50/10. That is $25,000 per individual for bodily injuries you cause to the other persons, and up to $50,000 for all, and $10,000 for damage you cause to the other party's personal property.

In addition New York requires uninsured motorist bodily injury coverage with the minimums 25/50. New York also requires personal injury protection in the amount of $50,000. Overall Rates are determined by the driving habits of the drivers within a state. New York determines auto insurance rates based on driving record, age, area you live in, and the type of vehicle you drive. You may want to consider higher coverages than the state minimums.