New Yorkers pay over $4,000 a year for car insurance—nearly $1,500 more than the national average. Fraud, staged crashes, abusive lawsuits, and weak enforcement are driving costs up.
Governor Hochul’s 2026 State of the State agenda takes direct aim at the bad actors inflating premiums. These common-sense reforms crack down on fraud rings, hold dishonest providers accountable, stop criminals from cashing in on accidents, modernize injury standards, and give insurers time to investigate claims.
Fraud adds hundreds to every driver’s bill. These reforms will lower costs and put money back in New Yorkers’ pockets. Urge lawmakers to support Governor Hochul’s auto insurance fraud agenda.