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New York Minimum Car Insurance and Penalties for Driving Without It
The short answer
New York requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Other required coverage: PIP $50,000, UM 25/50.
New York at a glance
| Minimum liability | $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10) |
|---|---|
| Other required coverage | No-fault personal injury protection (PIP) of up to $50,000 per person is required, plus uninsured motorist coverage of $25,000 per person and $50,000 per accident for injury, and $50,000 per person and $100,000 per accident for death. |
| First offense for driving uninsured | Driving without insurance is a traffic infraction with a fine of $150 to $1,500, up to 15 days in jail, or both, plus a $750 civil penalty, and the DMV revokes your driver license and registration. If an uninsured vehicle is in a crash, the license and registration are revoked for at least 1 year, and the vehicle can be impounded. |
| Repeat offense | New York law sets no separate, higher penalty for a repeat offense; the same fine, revocation and $750 civil penalty apply. |
| Fee to restore after a lapse | A registration lapse of 90 days or less can be settled with a civil penalty of $8 per day (days 1 to 30), $10 per day (days 31 to 60) and $12 per day (days 61 to 90), unless you paid one in the past 36 months. Restoring a revoked license requires the $750 civil penalty, and a suspended license has a $50 suspension termination fee. |
Penalties depend on the court and your record; your citation or notice decides what applies to you.
FAQ
What is the minimum car insurance in New York?
New York requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Other required coverage: PIP $50,000, UM 25/50.
What happens if you drive without insurance in New York?
Driving without insurance is a traffic infraction with a fine of $150 to $1,500, up to 15 days in jail, or both, plus a $750 civil penalty, and the DMV revokes your driver license and registration. If an uninsured vehicle is in a crash, the license and registration are revoked for at least 1 year, and the vehicle can be impounded.