It is the opposite. As it’s a mandatory insurance state, you need car insurance in order to register a car in New York. You must have valid insurance for the entire time you have the car registered and while anyone drives the vehicle on a public road in New York.
Minimum Liability Coverage in New York
New York has minimum liability coverage limits of $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $10,000 in property damage.
Vehicle owners can, of course, opt for higher liability limits. Full coverage would include comprehensive coverage and collision coverage. Drivers need to elect for this and pay the associated premiums.1
New York recommends that anyone with assets to protect opt for higher coverage limits than the minimum. These limits commonly go up to $250,000 in bodily injury per person, $500,000 in bodily injury per accident, and $50,000 in property damage, otherwise known as liability insurance coverage. Higher limits than these are available with some insurers.
New York is a no-fault state, meaning that your insurance will cover your bodily injury losses regardless of who is at fault. The New York Department of Financial Services recommends buying more no-fault protection than the $50,000 minimum coverage limit.2