Insurance Requirements for Car Registration in New York

All registered vehicles in New York are required to carry minimum amounts of several types of automobile insurance, in order to legally operate a vehicle on the roads. The minimum amounts of coverage are as follows:

  • A minimum of $25,000 for injury, per person; this means that you’ll need to carry a total minimum of $50,000 for the lowest possible number of people involved in an accident (the two drivers).

  • A minimum of $50,000 for the death of one person, which means you’ll need to carry a total of $100,000 for the lowest possible number of people who could be killed in an accident (the two drivers).

  • A minimum $10,000 for property damage liability

  • A minimum of $50,000 for no-fault car insurance, which pays for your medical bills in the event of an accident, regardless of who was at fault.

  • A minimum of $25,000 per person in uninsured motorists’ coverage, which pays for injuries resulting from a car accident involving a driver who did not carry the proper insurance. This means that you’ll need a minimum of $50,000, to cover the lowest possible number of people affected by a car accident (the two drivers).

This means that the total minimum amount of financial responsibility you will need is $260,000 to cover injury, death, no-fault insurance, uninsured motorists’ coverage, and property damage liability.

  • New York law also allows for the purchase of Supplementary Uninsured or Underinsured Motorists’ Coverage, up to $250,000 per person, and $500,000 per accident.

Proof of insurance

When you register your vehicle with the New York Department of Motor Vehicles, you will need to present proof of insurance. The insurance card given to you by your insurance provider is the acceptable proof of insurance, and is also necessary for traffic stops, or to present to authorities at the scene of an accident.

This card is not used as a verification document, but rather is used as proof of insurance. In order to verify your insurance, the New York DMV will use an electronic database that is up-to-date on the insurance status of all registered vehicles in the state.

Violation penalties

Your car’s registration and driver’s license can be suspended indefinitely in the following situations:

  • If you do not have car insurance, and are caught driving on New York roadways

  • If your lapse in car insurance is more than 91 days and you did not surrender your plates during this time

A fee of $100 will have to paid in order to reinstate your driver’s license

Additional fines can be issued in the event that your car’s insurance has lapsed. These include:

  • $8 for the first 30 days

  • $10 per day for days 31 through 60

  • $12 per day for days 61 through 90

For more information, or to apply for vehicle registration online, contact the New York Department of Motor Vehicles through their website.


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Torrieanto

11 years of experience
578 reviews
Torrieanto
11 years of experience
Hyundai Elantra - Brake Pads Replacement (Front) - Clearwater, Florida
Amazing workmanship, pays attention to detail, and treated me like a person. Not as a number. Thank you very much Torrieantos!!
BMW 535i - Brake Pads Replacement (Rear) - St. Leo, Florida
He was fantastic, came on time, great communication, and took care of the service great. Thank you.

Nick

9 years of experience
12 reviews
Nick
9 years of experience
Toyota Corolla - Brake Pads Replacement (Front) - Elk Grove, California
I am very satisfied he was very professional and was quick and did an amazing job I would definitely recommend him!!

Robert

30 years of experience
596 reviews
Robert
30 years of experience
Jeep Wrangler - Brake Pads Replacement (Rear) - San Jose, California
Robert was very honest about not needing a service I had requested and was also committed to only using quality parts as to not cause troubles down the road. I highly recommend him and wouldn’t hesitate to have him work on issues in the future.

Alexander

5 years of experience
55 reviews
Alexander
5 years of experience
Lexus RX330 - Brake Pads Replacement (Rear) - West Jefferson, Ohio
I had never heard of your mechanic but I am so GLAD that I did. My Lexus had a parking break issue so I could not move it. Alex came and looked over my SUV and verified it was the parking break but he also found that my rear brakes and rotors were horrible. When we tried to start it he found out the alternator was prohibiting it starting even tho I just got a new battery. Alex had to come back to do all of the work but it is done and we are grateful. Alex is so nice and so extremely knowledgeable. He is VERY car smart but humble. Answered every question we had. Just so grateful he was our mechanic for my vehicle. The price was VERY reasonable. We will definitely use your mechanic again and hopefully we will be able to get Alex.

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