Nearly 270 insurers write automobile insurance in New York, accounting for more that $8 billion in annual premiums. Personal Injury Protection (PIP), liability, and Uninsured Motorist (UM) coverage are all required by the state. Premiums in New York are the fourth most expensive in the country, averaging $1083 per year in 2006. It's estimated that 5% of New York drivers were uninsured as of 2007, a great reason to make sure you have as much coverage as your budget will allow. For more information on New York auto insurance requirements, contact the New York State Insurance Department (http://ins.state.ny.us/).