If your car is registered with the NY Department of Motor Vehicles, your insurance must meet the following New York liability coverage minimums: Bodily injury liability coverage: $25,000 per person and $50,000 per accident. Property damage liability coverage: $10,000 per accident. Uninsured/underinsured bodily injury coverage: $25,000 per ...The average cost of car insurance in New York per month is $138 for minimum coverage, while full coverage costs an average of $321 a month. Drivers in New York who purchase full coverage pay an ...The cheapest Long Island car insurance options are: For minimum coverage: Utica National at $678 per year. For full coverage: Progressive at $1,489 per year. After an at-fault accident: State Farm at $2,765 per year. After a speeding ticket: Progressive at $2,214 per year. After a DUI: Progressive at $2,412 per year.Cheap Full-Coverage Car Insurance In Hempstead. 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