SR-22 Insurance in New York
New York does not require SR-22 insurance. The state uses its own system to verify financial responsibility for high-risk drivers. Minimum coverage for all drivers is $25,000/$50,000 bodily injury and $10,000 property damage. New York does not use SR-22. Instead, the state uses form FS-1 for financial responsibility certification. Drivers moving to other states may need SR-22 based on the new state's requirements.
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Overview
New York is one of the few states that do not require SR-22s. However, serious traffic offense convictions incurred in New York could require drivers to have SR-22 insurance if they move to another state. New York uses its own system for verifying financial responsibility.
Key Facts
Minimum Coverage Requirements
Cost
How to File
Verify Requirements
New York does not use the SR-22 form. Contact the New York DMV or your insurance provider to understand the state's specific requirements for high-risk drivers.
Maintain Minimum Coverage
Ensure you carry at least the state minimum: $25,000/$50,000 bodily injury and $10,000 property damage, plus PIP coverage.
Complete All Reinstatement Requirements
Pay all fines, complete required programs (substance abuse classes, community service, etc.), and satisfy any court-ordered conditions before applying for license reinstatement.
Important Notes
New York does not use SR-22. Instead, the state uses form FS-1 for financial responsibility certification. Drivers moving to other states may need SR-22 based on the new state's requirements.
Frequently Asked Questions
- Does New York require SR-22 insurance?
- No. New York does not use the SR-22 form. The state has its own system for verifying financial responsibility for high-risk drivers. However, if you have an SR-22 requirement from another state, you must still maintain that coverage while driving in New York.
- What are New York's minimum auto insurance requirements?
- New York requires minimum coverage of $25,000 per person / $50,000 per accident for bodily injury and $10,000 for property damage. PIP (Personal Injury Protection) is also required. UM/UIM (Uninsured/Underinsured Motorist) coverage is also required.
- What happens after a DUI in New York if there's no SR-22?
- Even without SR-22, New York requires you to maintain valid auto insurance, complete all court-ordered requirements, pay reinstatement fees, and may impose additional monitoring. Your insurance rates will likely increase significantly after a DUI.
Video Guides
Take Action — Direct Links
- New York Minimum Insurance Requirements
Insurance Information Institute — New York minimum coverage: $25,000/$50,000/$10,000.
More for New York
Suspension periods, IID requirements, penalties, and step-by-step reinstatement process.
Reinstatement fees, restricted license options, IID requirements, and timeline.
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