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New York Car Insurance Laws

Auto insurance laws vary from state to state, and what is required in one state may not be required in another so it is important to know the regulations in New York. The penalties and fines for not having proper insurance can be expensive so make sure you know what is required in New York.

NY Auto Insurance Laws and Regulations:

New York Dept. of Insurance
25 Beaver St.
New York, NY 10004

Minimum Car Insurance Coverage in NY:

$25,000 for injury/death to one person

$50,000 for injury to more than one person

$10,000 for damage to property

NY Insurance is Not Required on:

Off-highway vehicles

Non-registered nonoperational vehicles


NY Uninsured Penalties:

New York's department of motor vehicles could suspend your registration if you fail to obtain insurance or provide proof of insurance. Penalties increase by the number of days you are in violation of the law. - Driving an uninsured vehicle in the state of New York could result in a ticket, a fine or vehicle impounding. Having a lapse in insurance or even a lack of insurance is another issue all together.

If your auto insurance expires and you do not renew, or if you do not have auto insurance, you are required to surrender your vehicle plates to the DMV. Failure to surrender your plates will lead to suspension of your registration and driver's license.

If the DMV suspends your registration due to lack of insurance for 90 days or fewer, you may be given the option to pay penalties between $8 and $12 for each day the vehicle was uninsured (a civil penalty for 85 days will run you $840).

Your auto insurance provider will keep in contact with the New York DMV concerning your coverage. If you are planning on switching insurance providers, you need to make sure that the new company notifies the DMV as well. If there's a gap of notification concerning this change, you will receive a letter about the issue. If you do receive a request to clear the situation up, do so quickly. Taking too much time to resolve the issue can cost you your vehicle registration and your driver's license.


NY Department of Insurance Contact Information:

1-212-480-6400

NY State Insurance Department Website:





Directory of New York Auto Insurance Agents by County

Albany
Allegany
Bronx
Broome
Cattaraugus
Cayuga
Chautauqua
Chemung
Chenango
Clinton
Columbia
Cortland
Delaware
Dutchess
Erie
Essex
Franklin
Fulton
Genesee
Greene
Hamilton
Herkimer
Jefferson
Kings
Lewis
Livingston
Madison
Monroe
Montgomery
Nassau
New York
Niagara
Oneida
Onondaga
Ontario
Orange
Orleans
Oswego
Otsego
Putnam
Queens
Rensselaer
Richmond
Rockland
Saint Lawrence
Saratoga
Schenectady
Schoharie
Schuyler
Seneca
Steuben
Suffolk
Sullivan
Tioga
Tompkins
Ulster
Warren
Washington
Wayne
Westchester
Wyoming
Yates

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