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Does New York Require an SR-22? What You Need Instead
The short answer
New York's motor vehicle agency lists no SR-22 requirement. It asks for an active liability policy of at least $25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Confirm your own case with the agency.
At a glance
| Uses SR-22 | None listed by the state |
|---|---|
| Minimum liability | 25/50/10 |
| How long | No SR-22 |
| State reinstatement fee | $50 to $750 |
| Who files it | No filing |
What else to know in New York
The New York DMV's insurance pages describe no SR-22 program. Insurers report coverage to the DMV electronically, and after a lapse you show a New York insurance ID card. The DMV does not accept out-of-state insurance. The minimums also include death coverage of $50,000 per person and $100,000 per accident. Ending a suspension costs a $50 suspension termination fee, and a revocation after an uninsured crash adds a $750 civil penalty.
Steps
- Get a liability policy of at least 25/50/10 from an insurer licensed in New York.
- Show proof of insurance as your suspension notice instructs.
- Pay the reinstatement fees listed on your notice.
FAQ
Does New York require an SR-22?
New York's motor vehicle agency lists no SR-22 requirement; it asks for an active policy of at least 25/50/10. Confirm your case with the agency.
What liability limits does New York require?
$25,000 per person and $50,000 per accident for injuries, and $10,000 for property damage (25/50/10). Some states also require other coverage, such as personal injury protection or uninsured motorist coverage; check with the state agency.