Personal auto coverage is mandatory in NYS and the minimum required liability limits you must carry are $25,000/$50,000 for bodily injury and $10,000 for property damage. You can insure a vehicle if you only have a learner’s permit. You can insure a car in NY if you have an out of state license, however you will be required to change your license to NYS within 30 days. You are required to add all licensed operators in your household, including your young kids with permits, to your auto policy. You can purchase a liability only or a full coverage policy. We can advise you of all the options and coverages available, as well as applicable discounts and ways to lower your premiums.