Liability insurance is _______ for an operator to use New York’s roads. Do you currently have car insurance? Insurance is mandatory to drive in Ohio Yes I have insurance. But please show me your best quotes. No, please help me find the best insurance. Question Liability insurance is _______ for an operator to use New York’s roads. Answers Required Recommended Suggested Not required Explanation Operating any motor vehicle on New York roads is prohibited unless the vehicle has proper liability coverage. This includes vehicles that are registered out-of-state.