SR-22 Insurance in New York
Numbers refreshed
New York filing details: who needs one, how long it lasts and what the state charges.
- No SR-22.It isn't the form the state asks for.
- The minimum liability limits are 25/50/10.
- 3rd of 51.Its price ranks third, and 1st means the highest cost.
New York SR-22 rules
There's no SR-22 form in New York; your insurer shows the state that you have cover.
The DMV can suspend a vehicle's registration and the driver license when liability insurance lapses on a vehicle registered in New York.
| Rule | New York |
|---|---|
| Form | No SR-22 form; the insurer reports cover |
| State reinstatement fee | $50 |
| Liability it must prove | 25/50/10 |
Source: New York State Insurance Requirements | NY DMV; Insurance Lapses | NY DMV.
How it affects your price
The filing itself costs little; what raises the premium is the offense behind it.
Guides we use for state rates show one at-fault accident raising a price about 1.5 times.
Based on New York's liability average of $1,243, the annual cost would be about $1,865.
Getting one
- Not every company files the form for you, so ask your insurer to send it to the state.
- Don't own a car? The filing can be carried by a policy for non-owners.
- Stay current on your policy payments. The state hears about any lapse, and that can restart the clock.
Car insurance in New York: additional details
First written