Insurance Proof 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.
Last updated:
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
Coverage for the described requirement
Use an actual policy quote
Request the full policy-term premium, separate fees, payment schedule, coverage and certificate filing in writing. A generic surcharge or multi-year estimate is not your quote.
Compare entered policy quotesHow 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.
If you do not own a vehicle
Tell the insurer about vehicles you own, regularly use or can access in your household or employment. Ask which policy covers that use and supports the required certificate. Confirm its exclusions and the licensing authority’s acceptance; no fixed non-owner price or automatic reinstatement follows.
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.
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.
Related Guides
Related Resources on This Site
More for your state
- DUI RecoveryDUI license recovery in New York
- License ReinstatementLicense reinstatement in New York
- DUI LawsDUI laws & penalties in New York
- Ignition InterlockIgnition interlock (IID) in New York
- Jobs by CityFelony friendly jobs in New York, NY
- Jobs by StateJobs for felons in New York
- HousingSecond chance apartments in New York, NY
- ExpungementNew York expungement guide
Helpful guides
- TransportationCar Insurance With a Suspended License: Companies, Costs & SR-22
- License ReinstatementDriver's license reinstatement by state
- Banking & CreditBudget Planning After Criminal Record or Bankruptcy
- ToolsReentry Checklist — Preparation Steps After Release