N.Y. Ins. Law § 2332

§ 2332. Non-commercial private passenger automobile insurance rates;\nexperienced and inexperienced principal operators. With respect to\nnon-commercial private passenger automobiles, no filing of a rate,\nrating plan, rating rule or rate manual applicable to motor vehicle\ncollision insurance, the insurance provided for in section five thousand\none hundred three of this chapter, bodily injury liability insurance or\nproperty damage liability insurance shall be approved by the\nsuperintendent unless, in accordance with a regulation issued after a\npublic hearing, the filing reflects an appropriate rate differential\nbetween an experienced and inexperienced principal operator.\n