In New York, teens can get a learner permit at 16 and an intermediate license at 16.5, with full privileges at 17. The state minimum liability requirement is 25/50/10, which is a legal floor rather than adequate protection for a family with a new driver.
| Learner permit age | 16 |
|---|---|
| Intermediate license age | 16.5 |
| Full unrestricted license age | 17 |
| Supervised driving required | 50 hours, including 15 at night |
| Night driving restriction | No driving 9pm to 5am |
| Passenger restriction | 1 passenger under 21 |
| Minimum liability limits | 25/50/10 |
| Uninsured motorist required | Yes |
| No-fault state | Yes |
New York is a no-fault state. Personal injury protection pays your teen's medical costs regardless of who caused the crash, which changes how medical bills are handled but does not reduce your liability exposure.
Uninsured motorist coverage is required here, which protects your teen when the at-fault driver has no insurance.
In New York, a teen can apply for a learner permit at 16 and an intermediate license at 16.5. Full unrestricted driving privileges begin at 17. Between the intermediate and full stages, passenger and night driving restrictions still apply, and violating them can delay full licensure.
50 hours, including 15 at night is what New York requires before a teen can take the road test. Log them deliberately rather than at the last minute — insurers credit completed driver training, and the supervised period is the cheapest time your teen will ever have to make mistakes safely.
1 passenger under 21 is the New York rule during the intermediate license stage. Passenger limits exist because teen crash risk climbs sharply with each additional teen passenger. A crash that occurs while in violation can complicate both the claim and the question of liability.
No driving 9pm to 5am is the restriction New York places on intermediate license holders. Night driving carries meaningfully higher crash risk for inexperienced drivers, which is why nearly every state limits it. Build after-school jobs and activities around the cutoff rather than against it.
New York requires at least 25/50/10 in liability coverage — that is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. Uninsured motorist coverage is also required here. These figures are legal floors, not recommendations for a household with a teen driver.
Most New York families with meaningful assets should carry well above the 25/50/10 state minimum — commonly 100/300/100 or higher, with matching uninsured motorist limits. A serious at-fault crash involving a teen can exhaust minimum limits quickly, and the balance is collected from your assets.
The liability figures on this page come from an industry compilation built from state insurance departments. We have not yet confirmed them against a New York State Department of Financial Services publication directly — verify before relying on them for a filing deadline or legal question.
Rate examples are illustrative national figures gathered from public filings and industry surveys. They are not quotes. Your actual premium depends on your state, carrier, vehicle, driving record, and eligibility for discounts. Teen Driver is an insurance marketing and referral service, not an insurer or licensed agency. We connect families with licensed independent agents. Questions? Call (855) 706-3520.
We will connect you with an independent agent who writes teen drivers in New York and knows which carriers price them best here.