New York is one of 12 states that operate under a "no-fault" insurance system; this system makes insurance requirements higher, and requires that each person involved in an accident pay for their own damages, repairs, and other accident related expenses. The following is a list of the minimum requirements for auto insurance in New York:

•     Liability Coverage
  
  1.     $25,000 per person for injury coverage
  2.     $50,000 per accident for injury coverage
  3.     $50,000 per person for death
  4.     $100,000 per accident for deaths
  5.     $10,000 property damage coverage per accident
•     No-Fault Personal Injury Protection
  
  1. $50,000 bodily injury coverage per person; this covers persons in your vehicle and pedestrians that are injured at your fault
•     Uninsured Motorist Coverage
  
  1.     Same limits/coverage requirements as liability coverage

Although this may seem like a lot of coverage, it really isn't. You should be able to find affordable coverage with at least one company; you might even find better coverage than you wanted for a low rate as long as you take the time to shop around. You will pay more on your insurance premiums if any of the following apply to you:

•     previous accidents or violations
•     under the age of 25
•     bad credit
•     sports car or other expensive or high risk vehicle
•     previous gaps in insurance coverage without explanation

Check with various companies to see which policy best suits your auto insurance needs. If you're willing to invest the time, you should have no problem finding affordable auto insurance in New York.