New York SR-22 & High-Risk Auto Insurance
New York requires 25/50/10 liability coverage and is a no-fault state.
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New York at a Glance
25/50/10
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP and Uninsured motorist coverage must be on every policy
$50
State license reinstatement fee
Source: state DMV, insurance department and statute records, verified July 2026
State Requirements
Drivers with DUI convictions, license suspensions, uninsured accidents, or multiple violations must maintain continuous coverage and file form FS-1 with the DMV — New York's equivalent to SR-22 — to prove financial responsibility. The FS-1 requirement typically lasts 3 years from the reinstatement date, and any lapse triggers immediate license suspension.
Liability Insurance
Uninsured Motorist Coverage
Personal Injury Protection (PIP)
FS-1 Financial Responsibility Filing
Comprehensive and Collision Coverage
Cost Overview
$37–$51/mo
Typical monthly rate in New York, non-owner policies
Rate data: Insure.com and MoneyGeek, 2026
What Affects Your Rate
- Violation type and severity — DUI convictions carry the highest surcharges, often tripling premiums for 3–5 years
- Number of violations within 18 months — multiple speeding tickets or at-fault accidents compound rate increases
- Whether you're assigned to NYAIP — New York's residual market charges significantly higher premiums than voluntary non-standard carriers
- Length of time since violation — rates decrease gradually after 3–5 years if no new incidents occur
Stay Covered While You Drive Borrowed Cars
Find Coverage After ViolationsIf your license is suspended
Conditional License (alcohol/drug, via IDP) and Restricted Use License (non-alcohol/drug)
application fee $75.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
Can I get insurance with a suspended license in New York?
You can purchase insurance with a suspended license in New York, but you cannot legally drive until your license is reinstated. Most insurers require FS-1 filing and proof of continuous coverage before the DMV will reinstate your license. Non-standard carriers and NYAIP will write policies for suspended drivers, but you'll pay elevated premiums and must maintain coverage without interruption to avoid extending the suspension.
Which insurance companies offer FS-1 filing in New York?
Non-standard carriers that commonly offer FS-1 filing in New York include several regional and national high-risk insurers, though availability varies by location and violation severity. If you're declined by voluntary non-standard carriers, you'll be assigned to the New York Automobile Insurance Plan (NYAIP), which guarantees coverage but at higher rates. Independent agents specializing in high-risk insurance can access multiple non-standard carriers to find the lowest available premium.
Coverage Types
Liability Insurance
Pays for injuries and property damage you cause to others. State minimums are $25,000/$50,000/$10,000, but high-risk drivers with previous at-fault accidents should carry $100,000/$300,000 or higher to avoid personal asset exposure in a second incident.
FS-1 Financial Responsibility Filing
Electronic proof filed by your insurer to the DMV confirming you maintain continuous minimum coverage. Required after DUI, suspension, uninsured accidents, or multiple violations, typically for 3 years.
Uninsured Motorist Coverage
Covers your medical bills and vehicle damage if you're hit by an uninsured driver. New York requires insurers to offer this coverage matching your liability limits unless you reject it in writing.
Personal Injury Protection (PIP)
Pays up to $50,000 for medical expenses, lost wages, and other costs after an accident regardless of fault. Mandatory in New York as a no-fault state and cannot be waived.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, suspensions, multiple violations, or lapses who cannot obtain standard market policies. Non-standard carriers accept higher-risk profiles but charge elevated premiums and may impose coverage restrictions.
Full Coverage
Combines liability, PIP, uninsured motorist, comprehensive, and collision coverage. Required if you finance or lease a vehicle, but high-risk drivers pay 150–300% more than standard-risk drivers for the same coverage.