New York SR-22 & High-Risk Auto Insurance
New York requires 25/50/10 liability coverage and is a no-fault state.
Find Coverage with Points on Your LicenseNew 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
Yes
A defensive driving course can reduce points on your record
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in New York
The state does not use SR-22 certificates — instead, the New York DMV requires electronic filing of FS-1 forms by insurers when a driver is reinstating after suspension or has accumulated serious violations. Drivers with 11 points in 18 months face automatic license suspension and will need an FS-1 filing from their carrier to reinstate.
Liability Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
Personal Injury Protection (PIP)
What Drivers Pay in New York
$251–$282/mo
Typical monthly rate in New York, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
What Affects Your Rate
- Points on your license: New York assigns 3–11 points per violation; 6+ points often trigger non-standard carrier placement
- Location within New York: NYC boroughs, Yonkers, and Buffalo have the highest rates due to accident frequency, while rural upstate areas like Jefferson and Lewis counties have the lowest
- Age and experience: Drivers under 25 with violations pay the highest premiums; surcharges decrease significantly after age 25 and drop further at 30+
See What Points Are Really Costing You
Find Coverage with Points on Your LicenseCoverage Types
Liability Insurance
Covers injury and property damage you cause to others. New York requires 25/50/10, but one serious accident can exceed $50,000 in medical costs alone, leaving you personally liable for the difference.
Full Coverage
Combines liability, comprehensive, and collision to protect both you and your vehicle. Required by lenders and lessors but significantly more expensive for drivers with violations.
Non-Standard Auto Insurance
Specialized coverage for drivers with DUIs, suspensions, multiple violations, or lapses. Non-standard carriers accept higher-risk profiles but charge higher premiums and may require larger down payments.
Uninsured Motorist Coverage
Protects you if you're hit by a driver without insurance. New York requires UM/UIM matching your liability limits unless you reject it in writing, which is not recommended for high-risk drivers.
Personal Injury Protection (PIP)
Mandatory $50,000 coverage in New York's no-fault system, paying medical bills and lost wages regardless of fault. Cannot be waived.
Collision Coverage
Pays to repair or replace your vehicle after an at-fault accident, minus your deductible. Required by lenders but optional if you own your car outright.