In New York the minimum auto insurance required is as follows: $25,000 bodily injury liability per person, $10,000 property damage liability, $25,000 uninsured bodily injury, and $50,000 personal injury protection. This is just the bare minimum of coverage most insurance companies also, have options of more coverage. The biggest problem a driver in New York can have is getting into an accident with a driver that is not insured and thats why you should have some coverage to cover repair costs to your car. Also, you can choose a plan that covers property stolen inside the car or if the car it self gets stolen which can happen frequently depending where you live in New York. Insurance prices can also depend on where you live in New York for example if you live in upstate New York the price of insurance is cheaper if you live in New York City the price would dramatically go up. The reason for this is because in upstate New York there isn't as much traffic but if you live in New York City traffic is a big problem so more traffic accidents happen. Driving challenges in New York are mostly in New York City because of the high traffic volumes and high volumes of pedestrians. In upstate New York the problem is mostly deer and other wild animals that roam around the open land. Also, New York has a big problem with people texting and driving especially teens and thats a big reason why the rate of insurance is so much more for teenagers because it's a distraction a big cause in accidents. In New York City texting while driving is prohibited and could be a great fine if found guilty of doing so. Driving in New York can also be a problem because of the traffic congestions and thats why it's not recommended to drive in New York City thus the high insurance rates fir the city. So for these reasons is why driving New York can be costly and dangerous especially in New York City and is recommended that you do not purchase a vehicle.